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 Credit Card Thread V3, Everything about Plastic World Fantasia

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SUSDavid83
post Jun 19 2008, 09:33 PM

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If you don't carry forward balance, the rebate is lower at 2% (1.5% for Shell fuel and 0.5% for others) for classic card holder.

This post has been edited by David83: Jun 19 2008, 09:35 PM
SUSDavid83
post Jun 19 2008, 09:40 PM

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Citibank Shell card rebate system:

Gold cardholder
RM 0 - RM 4,000: 2.5% + 0.75%
> RM 4,000: 5.0% + 1.50%

Classic cardholder
RM 0 - RM 2,000: 1.5% + 0.5%
> RM 2,000: 3.0% + 1.0%

http://www.citibank.com.my/APPS/portal/gen.../card_shell.htm

This post has been edited by David83: Jun 19 2008, 09:42 PM
SUSDavid83
post Jun 20 2008, 11:26 PM

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QUOTE(mengfui @ Jun 20 2008, 10:52 PM)
RHB travel money card now have 5% discount for petrol purchase in all petrol station in Malaysia.
*
It's time limited offer:

* Valid till 31 August 2008. Subject to a maximum rebate of RM60 per principal cardmember per month for petrol spending

URL: http://www.rhbbank.com.my/personal/cards/c...oney/index.shtm
SUSDavid83
post Jun 21 2008, 09:46 PM

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QUOTE(arsenal @ Jun 21 2008, 09:44 PM)
yo i neeed help....does anyone got the maybank threats catalogue????cheers...smile.gif
*
Are you referring to this one?

http://www.maybank2u.com.my/promotions/may...ots/index.shtml
SUSDavid83
post Jun 22 2008, 05:24 AM

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I got two Visa from MBB too.
SUSDavid83
post Jun 22 2008, 09:32 PM

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MBB Treat Points Fair is coming soon. Maybe they're saving their effort now.
SUSDavid83
post Jun 23 2008, 12:39 AM

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QUOTE(tinkerbel @ Jun 23 2008, 12:22 AM)
@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.
*
It's called co-branding.

I believe you can get them too.
SUSDavid83
post Jun 23 2008, 10:27 PM

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QUOTE(SnoWFisH @ Jun 23 2008, 10:26 PM)
@tinkerbel if im not mistaken it will offset ur outstanding balance in ur monthly statement as "rebate". well that was how the cimb petronas work i think. i just asked my dad, the rebate appeared as rebate as the last item in the statement.

anyway, any penalty for "over paying" DA and HSBC CC? all those sen sen and a few ringgit...hard to pay la...cash deposit machine dont accept coins tongue.gif.
*
No penalty. I always pay more than my outstanding.
SUSDavid83
post Jun 23 2008, 10:31 PM

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QUOTE(tinkerbel @ Jun 23 2008, 10:29 PM)
@SnoWFisH,
No there's no penalty for over paying but there's no benefit either biggrin.gif  As in, if U don't pay enough U'll be charged interest on the outstanding amount.  If U pay too much, U don't earn interest tongue.gif

@Shinichi,
Hey no worries!
*
I didn't use my DA for nearly 6 months. There's an overpayment of roughly 50 cents in every month statement.
SUSDavid83
post Jun 23 2008, 10:45 PM

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QUOTE(tinkerbel @ Jun 23 2008, 10:33 PM)
@David83,
In that case U oredi caused the bank to rugi more than what they earned from U; postage, printing of statement, etc etc biggrin.gif
*
Don't worry. They could earn from others.

Their statement is very dull and plain.
SUSDavid83
post Jun 23 2008, 11:08 PM

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QUOTE(Shinichi @ Jun 23 2008, 10:47 PM)
OT: I feel CIMBClicks is slower compared to Maybank2u... feels like choking everytime I browse CIMBClicks... guess is my line/PC problem...
*
CIMBClicks is indeed slower and I'm wondering why too!

QUOTE(vin_ann @ Jun 23 2008, 11:02 PM)
pump at kiosk.
receipt ar? abit hard to find back.

btw, each time your paying via CC, do your have keep ur receipts n the CC slip receipt?
if yes, for how long?

i was like trying to keep for 1 months, then throw...
*
I kept all my receipts. Some of them can't see the words clearly. Some have turned yellowish.
SUSDavid83
post Jun 23 2008, 11:09 PM

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I kept my receipts from day 1. Since I have cancelled my HSBC cards, I dumped those HSBC related receipts. biggrin.gif
SUSDavid83
post Jun 23 2008, 11:13 PM

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QUOTE(Shinichi @ Jun 23 2008, 11:12 PM)
Then will you use any of those receipts to join contests if applicable?
*
I'll use them if got. So far, I joined last year Shell contest when I still got pump Shell.
SUSDavid83
post Jun 23 2008, 11:22 PM

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Old newspaper anyone?
SUSDavid83
post Jun 23 2008, 11:24 PM

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QUOTE(tinkerbel @ Jun 23 2008, 11:23 PM)
@David83,
Old newspaper?! Huh?!
*
Pile of receipts and statements. biggrin.gif
SUSDavid83
post Jun 23 2008, 11:28 PM

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QUOTE(tinkerbel @ Jun 23 2008, 11:25 PM)
@David83,
Any particular reason U keep them?
*
Back tracing? Accouting? Practice?
SUSDavid83
post Jun 23 2008, 11:31 PM

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QUOTE(tinkerbel @ Jun 23 2008, 11:30 PM)
@David83,
And has it proven to be useful, other than as rubbish?
*
Good question. Let me have a deep thought to answer that. sweat.gif
SUSDavid83
post Jun 24 2008, 07:06 AM

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QUOTE(he-sham @ Jun 24 2008, 04:40 AM)
CIMB DA no more flexi payment plan ?
*
They have rebranded it as another name.
SUSDavid83
post Jun 24 2008, 11:01 PM

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QUOTE(danlhct @ Jun 24 2008, 10:54 PM)
Citibank is ridiculous, you must be a full-pay-master for the 12 months consecutively in order to enjoy for the 20 days free interest on retail purchase. Or else the interest will be charged from the posting date.

I call HSBC to clarify, in order to be entitled for the 20 days of free interest on retail purchase, you only need to clear your previous month's outstanding balance; as opposed to Citibank 12 months ruling.
*
That is a new ruling from BNM. It'll be implemented by all banks soon starting July 2008.
SUSDavid83
post Jun 24 2008, 11:18 PM

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New BNM ruling: Tiered Interest Rate and Amendment on Interest Free Period and Late Payment Payment Amount

http://www.citibank.com.my/APPS/portal/gen...red_pricing.htm

http://www.insuranceinfo.com.my/help_and_a...&intArticleID=4

This post has been edited by David83: Jun 24 2008, 11:18 PM

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