So far, no expiry. Touch wood.

The longest single MBB CC I hold is ~3 yrs. I keep on cancel and apply new one when they start charging annual fees. But now, I'm using Flexx, must spend min RM300/mth which I use for insurance auto-debit.

popopi,

My 2 sen:
- Try and target 1-2 CC is enough, so that your points don't get spread out.

- Alway pay in full. Don't try. MUST.

- Check which bank/issuer has best offer/benefit

- Get those free for life which does not need you to call up and ask for a/f waiver. Some might has small print T&C.

- If bank don't offer a/f waiver, cancel and apply others.


What I recommend:
- MBB Amex = gives 2x points. Not many shops take Amex, but try to use it as frequent as possible.

- Citibank = I think has the best offer. Current offer till 31/12 = Buy 1 coffee-bean, free 1.

- Get another one if you need, free for life or with some rules like min RMxxx/mth or xx swipes per mth/yr. Put all direct debit things like TNB, Syabas, h/p, insurance, etc. to fulfil the minimum free for life requirement. Whatever over/above the requirement, put in Amex auto-debit, refer rule #1, 2x points.

True to a certain extent. If you swipe a lot, the banks will notice and sometimes will send you free gifts or special offer.

Also, I just realise Amex pump petrol has CC points. Not sure how true, will try it out. Stupid me...

This post has been edited by cute_boboi: Dec 28 2007, 11:08 AM

Not really. There was a time I was spending 4-8k every mth (company expenses, claimable ) My fren holding the same card was spending <2k. I got something, but he didn't get anything.

Arghh... stupid me! Amex missed out on points !!! But when petrol stations start changing their system couple of yrs back, they only accept Visa/Master at the pump. No diners/amex. Maybe I get used to it, and forgot about amex.

CCRIS = you need to go personally to any BNM branch. Remember bring IC and yourself.

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Added on December 31, 2007, 1:47 pmWow... the lowest I saw before this was Mastercard platinum @60k p.a.
For Visa platinum, lowest I saw was @100k p.a.

Seems like CC standard dropping fast. I remember Gold @48k and Platinum @120k...


BTW, side track: this is my 300th posting I got 3 stars now


This post has been edited by cute_boboi: Dec 31 2007, 01:48 PM

1. IINM, Flexx = Visa only
2. Yes, you have Rm1=1 TP. Expiry as per standard MBB CC
3. No TP for fuel using Flexx Visa.

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Added on January 2, 2008, 12:35 pmwoi... PM me pls... got something to ask u.


This post has been edited by cute_boboi: Jan 2 2008, 12:35 PM

Some CC just off my mind:
1) MBB Flexx - Min rm300/mth

2) Citibank Choice - Min 2 swipe /mth

Is it ? I'm not up to date

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Added on January 3, 2008, 5:06 pmWhat's the minimum requirement for OCBC Platinum Master ? rm150k p.a. ?


This post has been edited by cute_boboi: Jan 3 2008, 05:06 PM

-> -> ->

I'm one of a happy MBB CC fan. Nothing personal, purely on MBB CC only and not their Cust. Serv, but I just feel the card, points and the places I spent, gives me good treatpoints. Also, the range of gifts are above average. Not that bad.

Question: On top of the Treatpoints from MBB, can we still collect Mesra/RealRewards (or whatever it is called) points ?

sohaix,

Credit limit depends on each bank discretion and your usage. I refer one of my CC with 20k credit limit, and my own PV a/c with HSBC, but HSBC still reject me... LOL ... Anyway, nothing to lose, as the purpose to apply is just for the gift

One way to increase credit limit, is depends on your usage. Previously I was hitting close and over my 7k... i request and they increase... over again, request increase... all the way up.

Now no more hitting >10k/mth usage Mostly on business purpose and I paid in full every month after claim from company.

Frankly, I don't find much difference using CC from local/overseas bank whether in M'sia, or HK, SG, Indonesia, Philippines, Vietnam, etc. Never encounter problem so far. I can use local CC in Vietnam, but my colleague "overseas" bank Visa/Mastercard got problem when swipe, until have to make overseas call back to customer service to check. Security/fraud prevention ?

LOL... some ppl have gold card with 4-7k credit limit only. Some others have classic with >10k credit limit

Good. Care to summarize in a matrix, with a range of spending, which one returns what % ?
e.g.
RM1-RM300 /mth
RM300-600 /mth
>RM600 /mth

Assume credit limit rm6000.

You buy something rm6000, pay 12 mths at rm500

month CC_balance_available**
1 0
2 500
3 1000
4 1500
5 2000
6 2500
7 3000
8 3500
9 4000
10 4500
11 5000
12 5500
13 6000

** Balance available for you to swipe for other things

By month 13, you will have all 6k credit limit back.

e.g. if you want to buy 4k by installment again, you can't do it at month 8, as you have 3.5k credit limit only. However, you can buy in month 9. Then you 6k will fully used up again.

I think RM0.50 is worth it. Compare to driving all the way to some PLUS/Rangkaian Segar outlet. Waste petrol and parking fee. If park roadside also risk saman. Unless your regular route pass through these places.

IINM, Petronas CS "claims" it is a separate payment system. Cannot use CC, must use cash only. I have reloaded couple of times some years ago. Not sure the policy has changed or not.

Reload TnG using CC can only be done at Rangkaian Segar (Tmn Desa) or some PLUS toll plaza counters only.

Inform us here, if anyone manage to reload TnG using CC on petrol kiosk, ATM, LRT station, etc.

Yes.
1) Pay TnG = separate cash
2)(a) Pay petrol separate transaction punch-in
2)(b) Pay food/drinks separate transaction punch-in

I think item (2)(a) and (b) cannot be combined into single-CC transaction, I'm not so sure about it. But last time, I can confirm item (1) and (2) cannot.

eh... can topup in ATM using CC ? e.g. I have MBB ATM and MBB CC.

Today got call from EON bank offering Platinum card or something. Rejected nicely...

No offense, but gold card at 5k limit is a bit low... There are ppl with normal classic cards at 10k-20k limit.

Anyway, no point having high credit limit, if you are not utilising it... and paying full or 0% monthly installment. If you really hit credit limit and pay full every month, for 3-6 consecutive months, it is very easy to apply for higher credit limit.