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 Credit Card Thread V3, Everything about Plastic World Fantasia

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tinkerbel
post Jun 21 2008, 08:18 PM

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@kapitan,
It goes to show how competitive it has become. Anyhow, my sister prefers the OCBC Titanium to their Platinum anytime tongue.gif
tinkerbel
post Jun 21 2008, 08:29 PM

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@ed0gawa,
I'm sure U can get the information on their website? Anyhow the gist of it is:-

Platinum Rewards Privileges
Enjoy a high credit limit of up to RM300,000
Reward yourself with up to 2% cash rebate monthly
Hong Leong Club Rewards - The more you spend, the more the rewards
Complimentary Supplementary Card, for life

Platinum Travel Privileges
A dedicated Travel Service at no extra cost
Luxury vacations at the world's best hotels
Comprehensive Travel Protection of up to RM2,000,000
Retail Purchase Protection of up to RM10,000 per occurrence
Enjoy preferential Forex rates

Platinum Lifestyle Privileges
Assistance anytime you need it
Health Screening Privileges
Platinum Movie Day
30% Off parking rate at "Platinum Parking" 1 Utama Shopping Centre
Dining deals

You can get more information here. There apparently is a promotion too for those wanting to apply the card:

For a limited time only!
(Valid from 3 March 2008 to 31 July 2008)
Annual Fee Waiver Offer for Platinum Card application
Annual Fee Waiver Offer for Platinum Card with Balance Transfer or Cash-on-Call at point of card application
Act Now! Call 03-2773 1116* or visit any of our 186 branches to apply


This post has been edited by tinkerbel: Jun 21 2008, 08:33 PM
tinkerbel
post Jun 22 2008, 11:30 AM

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@ed0gawa,
Promotion changes so I suppose they don't put it on their website. There's also a 'more' column for U to click on so what about checking it out there; I didn't bother to do that.

@htkaki,
OCBC Titanium can be applied, not their Platinum; which remains exclusive.

@Aeon_Clock,
I apparently been told U can't have 2 same kind of cards from the same bank. For example, if ur holding a Classic Visa/MasterCard Card and then U apply for a Gold Visa/MasterCard, the Gold Visa/MasterCard will supercede the Classic Visa/MasterCard.

I didn't know about this rule till I had issues with my Citibank cards.
tinkerbel
post Jun 22 2008, 01:44 PM

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@kapitan,
If Ur holding 2 Visa/MasterCards and one of them is a 'co-' card ie Citibank Shell/Citibank AirAsia, U can hold 2 of the same cards; Visa/MasterCard.

However, if Ur holding just the usual Visa/MasterCard, U can onli hold 1 card.

@yewkhuay,
And that is exactly Y I wanted to shift my monthly spending to MBB CCs. Alas, I don't have one ! tongue.gif

This post has been edited by tinkerbel: Jun 22 2008, 01:45 PM
tinkerbel
post Jun 22 2008, 09:22 PM

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@yewkhuay,
I oredi did, TWICE but no one seemed interested in wanting to serve me so..... *bugger*
tinkerbel
post Jun 22 2008, 09:34 PM

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@David83,
They've oredi lost me as a customer tongue.gif
tinkerbel
post Jun 22 2008, 09:49 PM

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@6@9,
Put RM200k in FD and get them to issue u a Complementary Card smile.gif
tinkerbel
post Jun 22 2008, 11:48 PM

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@htkaki,
Am sure he knows better since he's one of the Privileged ones around here biggrin.gif
tinkerbel
post Jun 23 2008, 12:22 AM

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@Aeon_Clock,
Those are known as co-op cards [or something like that] so U can actually get the Sony MBB & Petronas MBB - there's no conflict.
tinkerbel
post Jun 23 2008, 01:14 AM

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@yewkhuay,
I'm not about to shift my funds from HSBC to MBB. I don't see a reason to do so.

@David83,
Ah.. that's right.. Co-branding cards... Well, U can hold 2 Visas if they're co-branded smile.gif
tinkerbel
post Jun 23 2008, 10:03 AM

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@TeraPox,
Without us there's no them, really! tongue.gif
tinkerbel
post Jun 23 2008, 10:13 AM

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@TeraPox,
On the contrary, I have had pretty good feedback about their CS on Credit Card matters.
tinkerbel
post Jun 23 2008, 10:22 AM

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@wvt,
I believe U can use the BonusLink card with the Citibank Shell CC and get rewarded on both sides; they're 2 separate programmes smile.gif

@TeraPox,
It's what I call, SOP tongue.gif And with ur track record, U probably have had CC issued by all, if not most of our banks tongue.gif

@SKY 1809,
I really wonder if their definition of good paymaster is the same as that of ours?! blush.gif

This post has been edited by tinkerbel: Jun 23 2008, 10:23 AM
tinkerbel
post Jun 23 2008, 10:35 AM

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@SKY 1809,
I wasn't referring to the CRRIS report. Good paymaster in my book means U pay promptly and in full each month. To the banks, as long as U pay promptly and the amount paid meets the minimum balance, they're fine tongue.gif

Whichever the case, I consider myself a good paymaster biggrin.gif

This post has been edited by tinkerbel: Jun 23 2008, 10:36 AM
tinkerbel
post Jun 23 2008, 11:35 AM

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I never said MBB was a good bank. Nor have I ever said they're a lousy one.

@TeraPox,
It is most unfortunate MBB Amex has lost me as a customer. I've decided to use my DA MasterCard for petrol purchases from now on smile.gif


Added on June 23, 2008, 11:44 amI just logged onto Citibank Online to get my bills paid and I see this on my current bill statement:

19-06 CASH RATE 2 = 18.0000 RM 0.00

19-06 CASH RATE 3 = 18.0000 RM 0.00

19-06 RETAIL RATE 2 = 17.0000 RM 0.00

19-06 RETAIL RATE 3 = 17.0000 RM 0.00

19-06 RETAIL INTEREST RATE = 17.0000 RM 0.00

Can someone tell me what that's for?! Yes it's not affecting me since it's RM0.00

This post has been edited by tinkerbel: Jun 23 2008, 11:44 AM
tinkerbel
post Jun 23 2008, 12:21 PM

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@TeraPox,
I'm not worried since it's RM0.00 *grins* Just that it makes the statement longer onli mah! *grins*
tinkerbel
post Jun 23 2008, 12:45 PM

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@TeraPox,
The finance charges are for outstanding payment not made. I never had that problem but apparently there was an issue with that last month. When I checked with them what it was about they told me it's because I paid RM3500 last month when my bill was RM3600.

I told her how was I suppose to know my bill's RM3600 when the bill I received showed RM3500. I asked for a waiver and got it smile.gif

I then found out later it was my secretary who made the calculation error *shy* but obviously I didn't let the bank know of that! *grins*
tinkerbel
post Jun 23 2008, 01:40 PM

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@TeraPox,
Yes it's possible it was RM80 or something that was left out in ur payment hence the finance charges. Like I said, I only had this problem once in the last 8 years I'd been with Citibank.

DA on the other hand is problematic when it comes to such; they're ocassionally banking my cheque in late and I always have to call them for the waiver *ish*
tinkerbel
post Jun 23 2008, 01:52 PM

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@SKY 1809,
I don't make too much use of my cheque so decided to clear them off through issuing cheques *grins*

@TeraPox,
I don't work for the banks so I can't help U. If U want to know, the next time it happens, just give them a call and ask them. Since Ur using Platinum Cards, U should have access to their Platinum Priority Line - I assume it's a shorter wait on that line *shrugs* - I never used mine before so I wouldn't know the difference between their usual line and their Platinum Priority Line.
tinkerbel
post Jun 23 2008, 01:57 PM

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@TeraPox,
Good enough if U asked me but if it's Platinum that U want, U could alwiz make a request if the bank doesn't give it to u automatically smile.gif

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