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 Credit Card Thread V3, Everything about Plastic World Fantasia

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ronnie
post May 8 2008, 11:44 PM

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Starting this year all DA points is valid for 3 years...yippee
ronnie
post Jun 14 2008, 03:54 PM

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When I asked Direct Access for increase credit limit, they increase it and gave me an upgrade to Platinum as well. Not bad....

Added on June 14, 2008, 3:58 pm
QUOTE(tinkerbel @ Jun 11 2008, 04:25 PM)
@vin_ann,
The 2% rebate from DA is only applicable on their MasterCard, not Visa.  I believe what arsenal meant is that when U put in an application for a credit card, DA will issue U both their Visa & MasterCard! smile.gif
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I received my 2% rebate at the end of the billing cycle... promptly and automatically

Citibank Shell Card is practically holding all the rebates.. DAMN Citibank vmad.gif vmad.gif vmad.gif
I collected more than RM40+ still don't deduct... mad.gif

This post has been edited by ronnie: Jun 14 2008, 03:58 PM
ronnie
post Jun 16 2008, 01:21 PM

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QUOTE(David83 @ Jun 15 2008, 03:10 PM)
RM 1 = 1 points. No points are awarded for petrol purchases.
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And it's valid for 3 years starting year 2008. Previously, only valid for one year.
ronnie
post Jun 17 2008, 04:06 PM

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QUOTE(David83 @ Jun 16 2008, 07:39 PM)
That's why I hate to carry this discount card, that membership card in the wallet. It just makes the wallet thick.
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you can always carry another card-only wallet hehehhe
ronnie
post Jun 19 2008, 04:57 PM

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Also check if the petrol charge is within the same billing cycle
ronnie
post Jun 20 2008, 09:13 AM

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QUOTE(Aeon_Clock @ Jun 20 2008, 09:03 AM)
need to confirm how exactly do we get the 20 day 0% interest charges.

if I paid my statement in full like...today. Then tomorrow I use the card again to buy something else. My next statement balance won't be RM0 for sure. Does that mean I don't qualify for the 20 day 0% interest charges for my other purchases?
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20 days interest free is from the Last Statement Date to the Due Date
Eg. Your statement is 15 of every month, the due date would be 20 days after the 15th (ie. 5th of the next month)
You don't pay any interest for that 20 days only...
ronnie
post Jun 20 2008, 09:15 AM

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QUOTE(tinkerbel @ Jun 19 2008, 09:39 PM)
Also, on the Citibank Shell Card, rebate will onli be given when it exceeds RM20.
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I have up to RM40+ in rebate accumulated, they still don't want to credit into my account, WHY ????
ronnie
post Jun 20 2008, 09:48 AM

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QUOTE(Aeon_Clock @ Jun 20 2008, 09:30 AM)
I don't always pay in full...most of the time I leave about 100-200 bucks balance in the card and keep the money in savings account. Now gonna pay in full la to enjoy the 20 day 0% free-interest.

@ronnie
dun quite understand what you mean. But what if I make a purchase on the 17th...after the statement arrives. Does that mean I get a 28 day 0% free-interest?
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Yes... so I always buy right after the statement date to get "more" value. Worse is when you swipe 1/2 day before the statement date hehehe
ronnie
post Jun 20 2008, 09:49 AM

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QUOTE(tinkerbel @ Jun 20 2008, 09:35 AM)
@Aeon_Clock,
Just make sure when the bill comes, U make full payment and before the due date.  If U do that, U don't haf to worry much about the bill cycle wink.gif
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That's what I always do.
If you can't pay in full every month, time to look at your spending as it exceeds your income wink.gif
ronnie
post Jun 20 2008, 10:10 AM

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HSBC Premier is not a credit card, right ?
ronnie
post Jun 20 2008, 11:32 AM

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As long as pay the FULL amount before the Due date, no interest will be charged.
ronnie
post Jun 20 2008, 12:48 PM

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it could be wrong handphone number perhaps ?
ronnie
post Jun 23 2008, 11:50 PM

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DA Mastercard 2% rebate is credited automatically at the end of your statement date. You can see from CIMBclicks also.
ronnie
post Jun 23 2008, 11:52 PM

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I also keep my credit card slip since day one smile.gif
I just put in the envelope they send with the statement each month.
ronnie
post Jun 24 2008, 10:10 PM

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QUOTE(tinkerbel @ Jun 24 2008, 09:20 PM)
@hye,
Shall we boycott the petrol stations then?! tongue.gif
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And walk to work ???

Added on June 24, 2008, 10:12 pm
QUOTE(TeraPox @ Jun 24 2008, 06:43 PM)
90% of my monthly expenditure goes to my credit cards(and i settle it all right on the due date)

I'm not ashame of myself, but i pay in card even i buy something worth 19.90... smile.gif

like wat i said..

if u buy something worth 100 in cash, u get only that thing

but if u buy something worth 100 in Card, u get that  thing + 100 points!
*
Totally agree... I use CC to earn points and I can pay in full every month every time.

This post has been edited by ronnie: Jun 24 2008, 10:12 PM
ronnie
post Jun 24 2008, 10:43 PM

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more chances for the pterol stations to get robbed... since more CASH
ronnie
post Jun 30 2008, 01:56 PM

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Some places don't accept AMEX because the merchant need to bear high admin cost compared to Visa and MasterCard... Similar to Diners Club. charge card seem to be a dying breed.
ronnie
post Jul 2 2008, 02:17 PM

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Citibank Shell Card is really bad in giving back the rebates.
Collected until RM47 and still doesn't deduct.
Called their slow CS and they said I need to swipe at Shell to get the rebate deducted... what the F*CK !!!!

Never going to touch a Citibank card ever again... I guess they may use the same rebate trick for their Giant co-brand card.

Added on July 2, 2008, 2:19 pm
QUOTE(jack2 @ Jul 2 2008, 02:22 AM)
Singapore is still using  magnetic-stripe cards or EMV chips?
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Our credit card have both magnetic and EMV chip...so nothing to worry.

This post has been edited by ronnie: Jul 2 2008, 02:19 PM
ronnie
post Jul 2 2008, 02:21 PM

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Anybody going to apply SCB's Visa Infinite Credit Card ?
ronnie
post Jul 2 2008, 02:45 PM

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QUOTE(tinkerbel @ Jul 2 2008, 02:27 PM)
@ronnie,
What do U mean u can onli get the rebate deducted when U use the card at Shell?  In the first place, isn't the rebate only applicable to Shell petrols?!  And how do they give U back this rebate if it's not credited into ur statement?

The SCB Visa Infinite's too high class for most of us; perhaps U should check with TeraPox if he's gonna get it - he's the one who's collecting Platinum Cards tongue.gif
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The RM47 rebate is on my statement but never used to credit back. I'm a Petronas user. Will use the card for one last time at Shell just ot enjoy the credit of the reabte. Else bye bye Citibank forever and ever. Worse bank ever.
It offers 0.5% rebate on other retail purchases besides Shell petrol (1.5%)

SCB Vis Infinite is a grade higher than Platinum.
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