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 CREDIT Card Thread v2, Everything about the world of plastic

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charymsylyn
post Dec 31 2007, 05:27 PM

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MB Flex is two swipes per month for monthly fee waiver.

You need to have two UOB cards to qualify for annual fee waiver, but you do not get any points for using UOB Vox to swipe.
charymsylyn
post Jan 4 2008, 02:13 AM

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QUOTE(anglee82 @ Jan 4 2008, 12:30 AM)
i'm using maybank CCard....they gave 1 treatpoint per 1rm swipe...
can anyone tell me these treatpoint and expire date?? like in bonuslink
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Maybank Treatpoints do not expire, even if the account is closed.
charymsylyn
post Jan 5 2008, 03:27 AM

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QUOTE(guanteik @ Jan 4 2008, 07:14 AM)
Great... this is a definate answer for my question asked a few weeks ago...
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Yes, if you have an Amex with 2X points, it's very easy to get something quite nice without spending so much money compared to other banks. rclxms.gif

If you pay your bills using M2U or buy prepaid top-up using Maybank ATM card above RM30, you will also collect 5 points for that transaction. icon_idea.gif
charymsylyn
post Jan 28 2008, 05:25 PM

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UOB is also offering flexi payment scheme for purchases of RM1000 or more.

http://www1.uob.com.my/webpages/card_promo...PaymentPlan.htm
charymsylyn
post Jan 29 2008, 12:58 AM

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QUOTE(David83 @ Jan 28 2008, 05:58 PM)
I feel a little frusted as I would like to get an explaination on how Maybank derived the figures as advertised at the bank of their printed statement. Refer to the attachment below:

[attachmentid=389085]

What I would like to know, let's take RM 500 outstanding amount for retail purchase as an example.

From the first table, it's said that you'll be only charged for RM 2.22 after make a minimum payment for a repayment period of 1 month. Using the usual 1.5% p.m. or 18% p.a. rate, for a RM 500 outstanding amount, it should give your RM 7.50. I have asked the bank staff and the CSE at the card centre. None of them could explain. Does Maybank is trying to cheat the card holders by advertising a misleading figures?

Anybody could enlighten me? Appreciate your knowledge. Thank you.
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Not sure if this is the calculation used in the table. If you swipe for RM500 retail transaction and pay back in one month's time, you are only paying 10 days worth of interest after deducting the 20 days interest-free statement period.

You notice that the cash advance table, since the interest is calculated daily, the figure is much closer to the expected rate of 1.5% p/m.
charymsylyn
post Mar 14 2008, 08:55 AM

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I was rejected twice by Maybank in the last year for a limit increase too. My friend earns about 30% more than me, but his credit limit is double mine. Not sure what rule they are using. hmm.gif
charymsylyn
post Mar 19 2008, 06:16 PM

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QUOTE(WaCKy-Angel @ Mar 19 2008, 02:59 PM)
Maybank American Express still got 2x points for petrol stations.
But i think until 31st July only
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Maybankard Amex is 2x Treatpoints for all purchases forever, no conditions.
charymsylyn
post Mar 22 2008, 10:35 PM

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QUOTE(David83 @ Mar 22 2008, 10:17 PM)
Any particular reason? Our cards are not secured enough? I thought we have chip based card.
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If I'm not very mistaken, Malaysia used to be world no. 1 in credit card fraud not many years ago. Malaysia Boleh! smile.gif

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