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 Credit Card Thread V3, Everything about Plastic World Fantasia

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TeraPox
post Jun 15 2008, 11:07 PM

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HL bank card good or not? got any good benefit?
TeraPox
post Jun 15 2008, 11:42 PM

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I used CC daily, for everything...just to collect points...

I have 4 cards currently, HSBC and UOB brings quite alot of dining and golf benefit...
while my EON bank can allow me to go into VIP lounge in KLIA and Changi...
TeraPox
post Jun 15 2008, 11:58 PM

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QUOTE(pisang @ Jun 15 2008, 11:54 PM)
what do you get at VIP lounge at KLIA? Free drink? pls share... smile.gif
*
free drinks and free food...
its abit like priority pass by RHB and SCB,
just that it only valid in KLIA, LCCT and Changi...
TeraPox
post Jun 16 2008, 12:01 AM

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right next to the INTERNATIONAL boarding gate
TeraPox
post Jun 16 2008, 12:08 AM

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QUOTE(jeff_ckf @ Jun 16 2008, 12:03 AM)
Woaah  flex.gif 4 credit cards u using at one go....steady  thumbup.gif

I got 2 from Citibank and 2 from DA also I am keeping one of the DA and one of the Citibank at home already....too lazy to separate...will most probably cancel the Citibank Shell after my reimbursement is done as well since DA gives more discount on fuel purchase...unless they wana upgrade me to Shell Gold and give me annual waiver  tongue.gif
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I have plans for all my cards one.... brows.gif

My UOB visa and Master are great to use in Malaysia and Singapore... they bring quite alot of discounts and privileges..

while my HSBC is great for traveling(especially Hongkong)

while my EON bank card ah... ehehehe... just for VIP lounge access.. laugh.gif
TeraPox
post Jun 16 2008, 12:13 AM

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QUOTE(jeff_ckf @ Jun 16 2008, 12:10 AM)
Uh huh....whatever floats your boat then I suppose  thumbup.gif
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thinking of switching my EON to RHB... laugh.gif can access more lounges...
TeraPox
post Jun 16 2008, 12:16 AM

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QUOTE(pisang @ Jun 16 2008, 12:14 AM)
just another question.. hope u don't mind. VIP lounge is just for the access of the card holder? can bring ppl in together?
*
laugh.gif ah~ good question!!!
and I have the answer for u.... brows.gif
for EON bank... Card Holder Only...
for Priority Pass by RHB or SCB... u can bring Guests...
TeraPox
post Jun 16 2008, 02:48 PM

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QUOTE(tinkerbel @ Jun 16 2008, 02:00 PM)
@TeraPox,
I just checked RHB's website.  Apparently, only the Visa Infinite credit card allows access into airport lounges.  My question now is, how difficult is it to obtain this card as opposed to their usual Platinum card?

Also, are U issued a separate Priority Pass membership card or is it linked with ur Visa Infinite card?
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As I said b4... I don't have a RHB card yet... but i know that they are issuing a separate Priority Pass membership card to you once they approve your visa.

the card that access me into the priority lounge is my EON bank Visa... which does almost the samething as the priority pass except that it only valid for LCCT, KLIA and Changi...

in a word, my EON bank card is not "as powerful" as priority pass interm of accessing priority lounges... laugh.gif

so, my plan is...to cancel my EON bank soon,and switch to RHB...
TeraPox
post Jun 16 2008, 03:11 PM

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QUOTE(hye @ Jun 16 2008, 02:54 PM)
@tinkerbel
Not really. You can apply for RHB's Platinum card and you'll get the Priority Pass as well. Upon approval of your card, you'll get 2 cards -one being your credit card and the other one the Priority Pass. You'll need both cards to enter the airport lounge if I'm not mistaken. You'll need to pay to enter the airport lounge if I'm not mistaken. (Priority Pass is a membership actually which the bank bears the membership fees being you as a Platinum card holder)

To obtain VISA Infinite - it's requirements is more or less equivalent to a Citigold card member.
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no, hye, you don't need to present your RHB visa card, but only ur priority pass...

they will swipe your priority pass and let you sign on it...

I've being a guest of a priority pass member once... that's why i know...whistling.gif
TeraPox
post Jun 16 2008, 04:10 PM

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QUOTE(hye @ Jun 16 2008, 04:00 PM)
If these are true then why do the bank insist that your credit card need to be @ least 1 year old before using it as reference to apply a new card. In fact, some are more aggressive when they can make do with a 6 or 10 months card. Sometimes the banks makes it a little hard by asking for a 18 months old card before it can be used to make reference when applying for a new card.

Anyone can explain this phenomena ?
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to see how's your payment history gua... hmm.gif


Added on June 16, 2008, 4:11 pm@pisang

EVERYTHING!!! except beer...



This post has been edited by TeraPox: Jun 16 2008, 04:11 PM
TeraPox
post Jun 16 2008, 04:27 PM

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make no sense... why do u wanna provide untrue information??
TeraPox
post Jun 16 2008, 05:13 PM

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@tinkerbell

priority pass is free..to sign, is just to prove that u've enter the lounge..maybe they will charge the bank for something la...

@pisang
i dunno how to increase my CL la... my 4 cards gave me a total CL of 200k... can't even touch 15% of it every month...


Added on June 16, 2008, 5:16 pmbtw, if u really need alot CL, get UOB Preferred Platinum... no preset limit...

This post has been edited by TeraPox: Jun 16 2008, 05:16 PM
TeraPox
post Jun 16 2008, 05:27 PM

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QUOTE(pisang @ Jun 16 2008, 05:16 PM)
shocking.gif on average you have 50k CL for each card.. u r a rich man.. smile.gif
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just plastic, man... wink.gif
remember.. more CL more risk... easy to overspent...
TeraPox
post Jun 16 2008, 05:41 PM

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I have Amex as well... for emergency purpose...got some dining privileges as well sometimes...

not hard to get it nowadays..
TeraPox
post Jun 16 2008, 05:56 PM

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QUOTE(tinkerbel @ Jun 16 2008, 05:50 PM)
@TeraPox,
I never said it was difficult to obtain, I just find it troublesome.  I was invited by Amex once a couple of years ago but I didn't need it then so I declined the invitation.  Now, I feel I don't want to go on using Citibank as my primary card and thus far it looks like MBB Amex gives out pretty good benefits hence am opting for that smile.gif
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one thing u need to consider b4 u get AMEX...usually, they dun wave your annual fee...

TeraPox
post Jun 16 2008, 06:03 PM

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ooo.. for me, i only use my amex for like once of twice every month... when there is some discount i can get out of it...

b4 i pay my bill in a restaurant, i will ask...."do you have any discount for any cards?"
TeraPox
post Jun 16 2008, 06:07 PM

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why do u want to terminate your card? having 2 cards isn't that much...

well, in terms of point benefit, MBB is great... every 16500 point u can get 100 vouchers from Parkson or jusco... that's consider high return looo...

HSBC is oso good card issuer.. they have quite a number of benefit from time to time...

keep both la..

This post has been edited by TeraPox: Jun 16 2008, 06:09 PM
TeraPox
post Jun 16 2008, 06:16 PM

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QUOTE(saerah80 @ Jun 16 2008, 06:10 PM)
Thanks for your advice. Still, I don't think I can afford using two cards. I want to control my budget.
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keep ur maybank la...

1) easy to make payment(maybank2u)
2) high return... every 16500 points exchange RM100 voucher
3) lower credit limit, so u can control better...
TeraPox
post Jun 16 2008, 09:29 PM

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@vin_ann
I always put all my cards in my wallet where ever i go...

@soitsuagain
u have the CL , doesn't mean you will have to spend it!
by the way, i don't EPP
TeraPox
post Jun 17 2008, 12:01 AM

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found out that alot of people here think... if u have high CL, u die... coz u must spend all ur CL...ahahaha

actually cards can be good and can be bad...

if you are good in exploring it's benifit, u win the bank...

but if u overspent and unable to pay... the bank win U...

ahahhaha... agree? anyone...

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