Credit Card Thread V3, Everything about Plastic World Fantasia
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 May 8 2008, 05:15 PM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras   
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QUOTE(jchong @ May 8 2008, 04:53 PM) Different cards can access different offers and discounts mah. If all card free,more card also can if I control my card use   If guy got plat card I also more like go out with him  Also check all website plat card really get many extra offer.  actually any low income people but can get plat card?possible? |
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May 8 2008, 05:18 PM
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Junior Member
86 posts Joined: Mar 2008 From: putrajaya 
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I also like having many cards, which include debit n loyalty cards..
Got 5 cc fr 3 banks, 4 debit cards.. n plenty of loyalty/m'ship cards.. mesra, jusco, vacation, bookstore, clubs.. occasionally used.. dunno y, though the wallet may get too thick.. this cards are like collectibles to me.. at least most of 'em are useful.. hehe.. |
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May 8 2008, 05:40 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(siutimtim @ May 8 2008, 05:15 PM) If all card free,more card also can if I control my card use it's seems like the income group people is not matched with the Platinum. If guy got plat card I also more like go out with him Also check all website plat card really get many extra offer. actually any low income people but can get plat card?possible? since we are lower income, why need to get Platinum le? lower income = lower expenses = classic / gold card higher income = higher expenses = Platinum. this only make sense ma. |
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May 8 2008, 06:14 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@Dyong,
I'll like to have one by meself too  @siutimtim, Can!! Get ur dad or bf to give u a supplementary *grins* Seriously, I don't see what's the point of having too many cards; at the end of the day U won't use them all. |
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May 8 2008, 06:17 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(tinkerbel @ May 8 2008, 06:14 PM) @Dyong, yes. at the end, you just put into the album for display.I'll like to have one by meself too @siutimtim, Can!! Get ur dad or bf to give u a supplementary *grins* Seriously, I don't see what's the point of having too many cards; at the end of the day U won't use them all. |
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May 8 2008, 06:22 PM
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Senior Member
5,341 posts Joined: Jan 2003
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@siutimtim ,i think low income is impossible to get a platinum card. Platinum card need at least RM60k -RM100k in annual income. Do you really need a platinum card?
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May 8 2008, 06:38 PM
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Moderator
9,301 posts Joined: Mar 2008
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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. @tinkerbel .... there's nothin wrong with your points statement QUOTE(David83 @ May 8 2008, 08:23 AM) No worries. Somebody did tell me that DA points are valid for one year. 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. Previously it was valid for only a year for Classic and Gold cards but it has been extended to 3 years since earlier this year. Same apply to CIMB Bank free for life Mastercard/Petronas Mastercard.QUOTE(raymond5105 @ May 8 2008, 06:22 PM) @siutimtim ,i think low income is impossible to get a platinum card. Platinum card need at least RM60k -RM100k in annual income. Do you really need a platinum card? A fat bank account will only entitle you to a free for life Platinum credit card. Some new graduates might not earn a lot in the first few years, yet they still manage to be a principal Platinum credit card holder. Thanks a lot to mom and dad This post has been edited by MilesAndMore: May 8 2008, 06:46 PM |
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May 8 2008, 08:38 PM
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Senior Member
4,051 posts Joined: Jan 2003 From: 槟城
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@siutimtim: my suggestion: change to sales related job and work VERY HARD to boost your income.
I have a younger friend who works as credit card agent and he earns 10k every month, and hold a plat card from another bank. |
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May 8 2008, 08:43 PM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(MilesAndMore @ May 8 2008, 06:38 PM) Previously it was valid for only a year for Classic and Gold cards but it has been extended to 3 years since earlier this year. Same apply to CIMB Bank free for life Mastercard/Petronas Mastercard. There's no Classic for Direct Access. Are you referring to Gold and Platinum? |
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May 8 2008, 09:05 PM
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Elite
8,601 posts Joined: Jan 2003 From: KL
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vin_ann: since you mentioned in 1st post can discuss about Amex charge card - do mentioned in 1st post that AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB. |
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May 8 2008, 09:25 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(David83 @ May 8 2008, 08:43 PM) There's no Classic for Direct Access. Are you referring to Gold and Platinum? Probably yes ... as you said yourself, DA only has Gold & Platinum. |
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May 8 2008, 10:20 PM
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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(Gen-X @ May 8 2008, 09:05 PM) vin_ann: since you mentioned in 1st post can discuss about Amex charge card - do mentioned in 1st post that AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations. 2x points FOREVER is not just for Amex Charge Card, but also applies to Amex Credit Card, which is monopolised by MBB at the moment.Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB. Both Amex Charge Card and Credit Card gives 2x points at ALL petrol stations.  |
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May 8 2008, 10:25 PM
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Senior Member
6,657 posts Joined: Jul 2006
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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. can use mine.... @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*  QUOTE(tinkerbel @ May 8 2008, 02:19 PM) @cute_boboi, my clear card oready beat some gold card credit limit, it all depends on ur usage. 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, 10:31 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(Gen-X @ May 8 2008, 09:05 PM) vin_ann: since you mentioned in 1st post can discuss about Amex charge card - do mentioned in 1st post that AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations. noted and updated. Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB. oh yeah, tht day in PC fair, the amex promoter got mention this to me. 0% installment for 6 months. but it's need to be RM1,000 minimum. the RM1,000 can be anything. be it cash advance, retail transactions. you know what he give the example, he mentioned that, you can treat your friends meal using the Amex and hit the RM1,000 and ask for the 0% installment...  |
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May 8 2008, 11:15 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@yewkhuay,
Use urs means U pay.. oKie then Am surprised but I haven't had a credit boost on my clear card for some time now. |
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May 8 2008, 11:41 PM
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Senior Member
5,989 posts Joined: Nov 2005
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QUOTE(tinkerbel @ May 8 2008, 06:14 PM) Seriously, I don't see what's the point of having too many cards; at the end of the day U won't use them all. Agreed. Use too many cards also means hassle of making several different payments every month. And you spread your points out too.I have 3 diff cards but use 1 for 99% of payment (accumulates points faster). The rest is for backup (in case 1 card cannot read or in case really have big ticket item have to spread to 2 cards, etc). Also unless the cards are free for life, have to think about multiple annual fees (of course can apply for waiver, but another hassle). So, yes should have a few cards but not too many. This post has been edited by jchong: May 8 2008, 11:46 PM |
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May 8 2008, 11:44 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur 
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Starting this year all DA points is valid for 3 years...yippee
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May 8 2008, 11:50 PM
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Senior Member
5,989 posts Joined: Nov 2005
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QUOTE(tinkerbel @ May 8 2008, 11:15 PM) Am surprised but I haven't had a credit boost on my clear card for some time now. Would the issuer auto boost your credit limit? They wouldn't be updated about your current financial status right? Unless you maintain your a/c there. I've had Maybank increase my credit limit without asking (I guess because I have an account there). Quite surprised.None of my other cards has done that (and I also dun have account at those banks). |
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May 8 2008, 11:52 PM
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Senior Member
5,989 posts Joined: Nov 2005
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QUOTE(siutimtim @ May 8 2008, 05:15 PM) actually any low income people but can get plat card?possible? As principal card holder, I think impossible. If low income people can get then plat card wouldn't be exclusive anymore right? Then have to intro 'diamond' card  |
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May 9 2008, 08:54 AM
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Senior Member
5,341 posts Joined: Jan 2003
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QUOTE(Shinichi @ May 8 2008, 08:38 PM) @siutimtim: my suggestion: change to sales related job and work VERY HARD to boost your income. Monthly 10k income is good but later you will be kena income tax >20%+..then you will see you $$ are fyling to our beloved government.I have a younger friend who works as credit card agent and he earns 10k every month, and hold a plat card from another bank. |
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