Credit Card Thread V3, Everything about Plastic World Fantasia
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 Jun 30 2008, 02:17 PM
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#141
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Senior Member
961 posts Joined: Apr 2005  
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QUOTE(ronnie @ Jun 30 2008, 01:56 PM) Some places don't accept AMEX because the merchant need to bear high admin cost compared to Visa and MasterCard... Similar to Diners Club. charge card seem to be a dying breed. no lar. now most of the establishments accept amex liao la... except those "palia" small shops la..   |
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Jun 30 2008, 02:56 PM
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#142
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Senior Member
961 posts Joined: Apr 2005
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@Tinkerbel
nolar, since MBB took over, u can expect their speed to be reduced lar... ahahahaha by the way, i received my Preferred Platinum already... the design is superb..  @dr2k3 free golf 365 days, buy 1 free 1 for dinner @ shangri-la... etc etc etc.. go see the benifit @ www.americanexpress.com.my |
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Jun 30 2008, 04:23 PM
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#143
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jun 30 2008, 04:12 PM) @TeraPox, oh... did i.... Yes U oredi announced to us when U received the card *grins*  hehehehe |
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Jun 30 2008, 04:28 PM
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#144
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Senior Member
961 posts Joined: Apr 2005
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@tinkerbel
no need la.. my mistake lorr...hehehehehe btw, new ppc come with quite a number of benefit... like "free a bottle of wine @ Angus Beef house every RM200 spent" |
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Jun 30 2008, 04:43 PM
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#145
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jun 30 2008, 04:38 PM) @TeraPox, ooooooOOoooOo... so i've just changed the design of my card? If U bother to read the small print, existing UOB Platinum cardholders are also part of their Preferred Platinum so the benefits are across the board for all Plat holders.  |
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Jun 30 2008, 04:52 PM
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#146
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jun 30 2008, 04:45 PM) @TeraPox, not really.. at lease i have "no preset spending limit" now~ Yes the difference is that U hold the new design whilst the rest are still holding the old designs. |
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Jun 30 2008, 04:57 PM
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#147
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Senior Member
961 posts Joined: Apr 2005
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true true~ hehehehe... my previous credit limit was much much more than enough...
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Jun 30 2008, 05:11 PM
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#148
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Senior Member
961 posts Joined: Apr 2005
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@jep
need to read carefully oo.. citibank co-branding cc normally cannot waive the annual fee oo.. |
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Jun 30 2008, 05:22 PM
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#149
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(jep @ Jun 30 2008, 05:19 PM) I was thinking to take the Shell one..since i travel more in a car...they said first 2 years free...next following years must swipe at least twice a month to avoid the yearly fee if i'm not wrong.... shell card rebates only applicable when u owe them money...means that they will rebate u AFTER they charge u interest leh... I'm not quite sure lar... read carefully... |
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Jun 30 2008, 05:32 PM
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#150
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jun 30 2008, 05:24 PM) @TeraPox, i don't have co-branding cards.. but normally if they dun waived the annual fee for me, i will wave at them..ahahaha... If after 2 years they don't waive then do what U alwiz do; threaten to cancel the card  |
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Jun 30 2008, 05:36 PM
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#151
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Senior Member
961 posts Joined: Apr 2005
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I think co-branding card story is abit different....
coz they need to share the annual fee with the co-brander... so, they can't just waive the annual fee 4 u.. |
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Jun 30 2008, 06:47 PM
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#152
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(jep @ Jun 30 2008, 05:57 PM) So which card should i choose to help 'reduce' the burden pak lah's imposed on me and all malaysians?..hehehe got! go-kart~ hahaha..save more petrol than car |
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Jun 30 2008, 11:35 PM
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#153
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(vin_ann @ Jun 30 2008, 10:32 PM) wo... how come lucky? worse come to worst is to charge u RM5 late payment...  lucky my payment was on time. only notice my due date is 2 days before due, quickly so to pay. |
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Jul 1 2008, 12:27 AM
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#154
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jun 30 2008, 11:37 PM) @TeraPox, I think 1，2days wont effect much laLate payment is okie. Bad credit record is no ok! ... |
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Jul 1 2008, 12:58 AM
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#155
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(dr2k3 @ Jul 1 2008, 12:50 AM) just curious....some CC offer 20 days interest free from the date of the statement they will charge u RM5 for late payment ...if i goto bank with the CC statement and pay the amount on day 21....they will tell u interest already in, pay more~ or something else? and 1 day interest for that... but normally u can call up and waive it off.. |
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Jul 1 2008, 04:11 PM
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#156
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Senior Member
961 posts Joined: Apr 2005
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@dr2k3
if i'm not wrong, the record will be kept for 1 year only... but u know la.. this country name is called "Malaysia". so everything is 10X slower than others... so, if no one go and update you record, the bad name will always be there... |
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Jul 1 2008, 04:52 PM
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#157
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Senior Member
961 posts Joined: Apr 2005
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@iluvena,
if u hav problem paying ur current debt, i rekcon u don't apply for new facilities la... u will ended up in even worse situation.... @tinkerbel foreign banks i believe their efficiency.. local bank? soli la... |
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Jul 1 2008, 05:03 PM
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#158
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jul 1 2008, 04:57 PM) @TeraPox, me too me too... If it's something enforced by law, I'm sure they will make it a point to do it In any case, it makes no difference to me since all my credit card accounts are issued by foreign banks. I've never dealt with local banks on loans either so... oh wait a minute..... car loan was from EON Bank..... but anyhow, I no longer deal with them  hehehhe..all my accounts with foreign banks becoz i dun have confident with local banks. except my "KLCC" card...  I always remember this scenario when i call a local bank(not to mention the name) *press 1 for english = ello , ini **** boleh say bantu? *tekan 2 untuk bahasa melayu= ello , ini **** boleh saya bantu? *华语请按3=ello ini **** boleh say bantu? arrrgggh!!!!! |
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Jul 1 2008, 05:09 PM
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#159
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(tinkerbel @ Jul 1 2008, 05:05 PM) @TeraPox, believe it or not.. altho the call center, card issuer has being out sourced to MBB...U don't need to mention which bank; for those who follow ur posts they might oredi know cause U haf mentioned previously which cards U hold. And, KLCC was a rather big hint too !! Eh wait... MBB Amex is considered local and U do haf an MBB Amex but AMEX statements has being issued directly from AMEX APEC HQ located in Hongkong... that's why the envelop stated that its from HK... i will scan it and post it tonight when i got home...  so AMEX is consider a "Hybrid financial institution" hahahaha This post has been edited by TeraPox: Jul 1 2008, 05:10 PM |
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Jul 1 2008, 06:18 PM
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#160
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Senior Member
961 posts Joined: Apr 2005
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QUOTE(arsenal @ Jul 1 2008, 06:15 PM) i believe local banks are good as well like major one ; maybank, cimb,public bank.....if not, temasek wont buy alliance bank anyway... there will be a thousand reasons for tumasek to buy alliance bank.... like for example... it's considerable CHEAP? This post has been edited by TeraPox: Jul 1 2008, 06:19 PM |
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