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 Credit Card Thread V3, Everything about Plastic World Fantasia

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fikrie
post May 8 2008, 05:18 PM

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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..
fikrie
post May 14 2008, 04:38 PM

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Speaking of design..
There used to be CC with Manchester United display.. i juz dont remember which bank..

One thing i dun get.. Shouldnt plat cards have very high credit limit? I thought it would be at least 10k for a new user.. which bank and how much the min credit limit would a bank offer for this kinda card?
fikrie
post May 14 2008, 05:15 PM

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QUOTE(jchong @ May 14 2008, 04:51 PM)
The credit limit mainly depends on your income, not the type of card. Even my normal classic card has 15k limit.

That said, to get plat card the min income requirement is quite high so you would expect the credit limit to be high also.
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15k for classic? is that the amt after being upgraded for several years of use or for newly applied card?? mine was juz 5.5k for classic.. Beside the salary, I guess diff bank offers diff credit limit..

fikrie
post May 21 2008, 09:13 AM

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juz wondering.. ist possible for maybank cc holders to increase the current credit limit? other than having increased salary..??
fikrie
post May 21 2008, 09:59 AM

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QUOTE(cute_boboi @ May 21 2008, 09:48 AM)
I did twice with MBB. Both times also I hit the credit limit usage continuously every month due to company expenses. No changes in my salary, and MBB did not request for any documentations.
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thats more like temporary increase.. rite? or.. ist permanent?
fikrie
post May 21 2008, 02:21 PM

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QUOTE(ferricide @ May 21 2008, 01:53 PM)
Credit increase also depends on many factors, one is prompt payment. If you have been paying on time and using regularly - you are a good customer - no reason the bank won't increase.

Unless you are asking a HUGE jump over your current allowed CR,
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For some banks like Citibank, HSBC, other banks as well.. that could be true.. But i dun think Maybank is that generous to simply increase based on steady/prompt payment.. Perhaps if i opt for home loan or wateva products relate to loans, maybe they will consider.. O'wise, they would definitely ask for new salary slip if i wish to increase my credit limit..

A'way.. like wat tinkerbell said, wont hurt if ask.. nod.gif
fikrie
post May 23 2008, 09:08 AM

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QUOTE(MilesAndMore @ May 23 2008, 12:45 AM)
Yes. It is good. The difference is that if you are using MBB AMEX credit card, you can earn 2x Treatpoints for every RM1 spent. For AMEX charge card issued by MBB, you won't earn Treatpoints but will be awarded "Membership Reward Points" instead. And you will have to pay an annual fee to enroll in American Express "Membership Reward Points" program or else there will be no point for you.
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Correct me if i'm wrong, doesnt AMEX charge interest the next day after u swipe the card..?? so, it keeps accumulating till the statement date.. m i rite?? dun hav any AMEX, but that was wat my frens told me..
fikrie
post May 26 2008, 01:02 PM

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QUOTE(shauyan @ May 26 2008, 11:53 AM)
Saw petrol rebate on any petrol station on DA Mastercard? How it works? Is this a old story? Thanks

http://www.directaccess.com.my/pdf/petrol%...t%20leaflet.pdf
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it's a real thing.. i juz got my DA statement few days back.. it even came with flyer promoting about the rebate..

This post has been edited by fikrie: May 26 2008, 01:35 PM
fikrie
post Jun 9 2008, 05:24 PM

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QUOTE(pisang @ Jun 9 2008, 04:28 PM)
I would like to know which bank offer lowest interest/best deal for installment payment? thank you.  icon_question.gif
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some bank offers easy payment.. MBB for example.. zero interest! subject to certain minimum amount.. but not many merchants engage with this joint venture with the banks..

i guess u're looking for flex or flexible payment rate rite?
fikrie
post Jun 25 2008, 09:37 AM

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guys..

I heard fr the radio this mornin..
talking about using touch n go as means for paying petrol instead of cc..
so.. wat u guys think? i think same like using debit card..

though it might be a good thing to come up wit.. still, some might not see it as 'convenient'..


fikrie
post Jun 25 2008, 05:59 PM

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i've raised b4 about some proposal using Touch n Go for buyin petrol instead of cc..

I consider petrol is one of the consistent contributer for TP every month, coz i didnt shop that much to opt for TP.. but if petrol owner go for TnG.. then no more Maybank TP fr petrol, as well no rebates for DA..

btw, i only heard bout that fr the radio this morning.. can anyone confirm that, or is there any source i can get for reference..

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