Credit Card Thread V3, Everything about Plastic World Fantasia
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 May 8 2008, 07:27 AM
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Senior Member
2,353 posts Joined: Feb 2005 From: Subang Jaya   
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QUOTE(hye @ May 8 2008, 12:27 AM) Only if you are a Platinum card holder. Gold card holder points last for only 1 year. i dont think so...because my statement showed the points expiry around 2010...so 3 years kua...@tinkerbel .... there's nothin wrong with your points statement  |
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May 8 2008, 07:38 AM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(arsenal @ May 8 2008, 07:27 AM) i dont think so...because my statement showed the points expiry around 2010...so 3 years kua... I can confirm that too. I just checked my statement. |
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May 8 2008, 07:47 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(arsenal @ May 8 2008, 07:27 AM) i dont think so...because my statement showed the points expiry around 2010...so 3 years kua...  My mistake. |
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May 8 2008, 08:23 AM
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All Stars
52,874 posts Joined: Jan 2003
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No worries. Somebody did tell me that DA points are valid for one year.
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May 8 2008, 08:29 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia 
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So what's the final conclusion here?! Are the points valid 1 Year or are they valid 3 Years?! If 3 Years my points from last year should be valid till 2009! Ah well, I don't have sufficient points to redeem stuff anyways.
@yewkhuay, You actually do have a point. I should check with developer if I could make payment through credit card - I need additional RM50k (over and above the RM30k booking fee) to make up the 1st 10% upon signing of S&P [it's not my fault lawyer's haven't called!]. With that, I should have sufficient points for that Samsonite bag  Oh No! Samsonite bag's from Citibank and my credit with them's <RM15k!!! *ugh* |
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May 8 2008, 08:33 AM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(tinkerbel @ May 8 2008, 08:29 AM) So what's the final conclusion here?! Are the points valid 1 Year or are they valid 3 Years?! If 3 Years my points from last year should be valid till 2009! Ah well, I don't have sufficient points to redeem stuff anyways. Check your statement (at the bottom right side).@yewkhuay, You actually do have a point. I should check with developer if I could make payment through credit card - I need additional RM50k (over and above the RM30k booking fee) to make up the 1st 10% upon signing of S&P [it's not my fault lawyer's haven't called!]. With that, I should have sufficient points for that Samsonite bag Oh No! Samsonite bag's from Citibank and my credit with them's <RM15k!!! *ugh* My statement said 2011. |
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May 8 2008, 08:39 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@David83,
I do not use DA as my primary card; only when there are 'good buys' or discounts hence don't have monthly statements. Statement comes only when I've charged something to the card. I'll see if I could find one from last month; don't usually keep the statements *grins* But should have 1 lying around in the office somewhere!  Will check and revert later. |
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May 8 2008, 08:53 AM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(tinkerbel @ May 8 2008, 08:39 AM) @David83, Same goes to me. DA is also not my primary CC.I do not use DA as my primary card; only when there are 'good buys' or discounts hence don't have monthly statements. Statement comes only when I've charged something to the card. I'll see if I could find one from last month; don't usually keep the statements *grins* But should have 1 lying around in the office somewhere! Will check and revert later. |
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May 8 2008, 09:52 AM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(tinkerbel @ May 8 2008, 12:05 AM) @siutimtim, I got rejected by HSBC last year also HSBC rejected ur card? Now that's weird cause I didn't think it was that difficult to obtain a HSBC card. Everyone I know who applied for a HSBC card received theirs. Yes it does seem that HSBC gives pretty high credit limit - I've just slightly above RM50k credit from HSBC.  My company is banking salary there, they know how much I'm getting a month  Maybe they don't like I write a cheque every month and transfer 99% to another bank to reduce house loan. Anyway, come to think of it... not a loss as I won't be using it much either. QUOTE(yewkhuay @ May 8 2008, 12:59 AM) can use ur card to pay d/p for a house dy...... Depends on the developer. I managed to swipe 5k or 10k (forgot)   without additional charges couple of years ago. They only allow a fixed max amount, e.g. 10k. Not 10% of the purchase price. |
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May 8 2008, 09:56 AM
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All Stars
21,962 posts Joined: Dec 2004 From: KL 
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» Click to show Spoiler - click again to hide... « Correction for Visa Wave and Paypass. Paypass transaction limit should be RM120 while Visa Wave limit should be RM150 |
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May 8 2008, 10:50 AM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras
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RM50k credit?That one is plati card?My RM5k also don have.haha
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May 8 2008, 11:17 AM
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Senior Member
4,526 posts Joined: Mar 2006
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anyone have MBF BT calculation table?
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May 8 2008, 12:30 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(siutimtim @ May 7 2008, 11:59 PM) my hsbc card reject liau.I also donno why =( i dun thinks HSBC will give higher credit. its all depends on the individual. for the fresh grad, the credit will be low. while my DA gives me the highest credit among others.is hsbc very strict?normally do hsbc give high credit? how about alliance bank?i see many alliance bank agent promote credit card now.requirement for gold and plat more high for alliance.anyone got their card? Added on May 8, 2008, 12:34 pm QUOTE(WaCKy-Angel @ May 8 2008, 09:56 AM) » Click to show Spoiler - click again to hide... « Correction for Visa Wave and Paypass. Paypass transaction limit should be RM120 while Visa Wave limit should be RM150  This post has been edited by vin_ann: May 8 2008, 12:34 PM |
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May 8 2008, 01:00 PM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras
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If I got gold card or platinum card but income not high,I can apply Alliance or UOB standard gold or platinum card?
The agent say will give back same card type but if income not that high they approve or not? UOB and Alliance bank black colour platinum card very pretty.Can use ONE plat apply that platinum card or not?HAHA. (I know can not la because ONE plat is cheap type punya platinum =( |
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May 8 2008, 02:19 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@cute_boboi,
I don't think HSBC looks at it that way - at the v least, ur account is seen as 'active' ! I've no idea why they rejected ur application though *grins*I'll definitely check if credit card facilities are available; they probably don't allow cause they've got to pay the 0.3% either to Visa or Mastercard and U know lah... developers a.k.a. kiamsiap! @siutimtim, I've <RM15k on my HSBC Gold Visa and the remaining credit from my HSBC Premier Mastercard. Don't hold any HSBC Platinum though. You can always put in an application to UOB / Alliance for it; no harm and it's free anyways And what's so nice with the UOB / Alliance Black Platinum card? It's just a card and it's just a colour right? |
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May 8 2008, 02:21 PM
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Junior Member
400 posts Joined: Feb 2008
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QUOTE(siutimtim @ May 8 2008, 01:00 PM) If I got gold card or platinum card but income not high,I can apply Alliance or UOB standard gold or platinum card? Why do you want to have so many cards? The agent say will give back same card type but if income not that high they approve or not? UOB and Alliance bank black colour platinum card very pretty.Can use ONE plat apply that platinum card or not?HAHA. (I know can not la because ONE plat is cheap type punya platinum =( |
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May 8 2008, 02:28 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@Dyong,
Cause dont' have cash in the wallet, need these cards to make the wallet look bulkier, just to well u know, impress the gals |
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May 8 2008, 02:43 PM
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Junior Member
400 posts Joined: Feb 2008
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QUOTE(tinkerbel @ May 8 2008, 02:28 PM) @Dyong, I would rather have a fairy by my side Cause dont' have cash in the wallet, need these cards to make the wallet look bulkier, just to well u know, impress the gals  |
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May 8 2008, 04:42 PM
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Staff
25,802 posts Joined: Jan 2003 From: Penang
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QUOTE(siutimtim @ May 8 2008, 01:00 PM) If I got gold card or platinum card but income not high,I can apply Alliance or UOB standard gold or platinum card? One Platinum is not classified as same as normal platinum, as far as I knew. The agent say will give back same card type but if income not that high they approve or not? UOB and Alliance bank black colour platinum card very pretty.Can use ONE plat apply that platinum card or not?HAHA. (I know can not la because ONE plat is cheap type punya platinum =( Anyway, just the colour of card different, why bother so much? Silver, gold, platinum, blue, red etc., still a credit card which when machine read it, no different as a credit card. One can have gold card with credit limit of 50K while another one with platinum with credit limit of 20K only. |
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May 8 2008, 04:53 PM
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Senior Member
5,989 posts Joined: Nov 2005
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QUOTE(Dyong @ May 8 2008, 02:21 PM) Why do you want to have so many cards? Different cards can access different offers and discounts mah. |
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