that's nothing new... i believe quite alot of people do that becoz the "smart ATM machines" are not smart enough to recognize RM5 and RM1!!! 

@jeff_ckf,
Unless ur paying cash, I don't see the reason for paying the bank anything more than I spent *grins* - unless I know I'm going to need the additional credit [when I go away, I always make sure I have sufficient credit] - but I don't need to do that now since I now hold more than the 2 cards issued by Citibank.

Yes... do take advantage of their point reward system - but I find it difficult to accumulate points esp if I'm 'scattering' my payments hence I'd always believed in using 1 card as my primary card.

A very good plan.

Bankers like to call you more for some more loans ( not asking you for payments of course ).

@jeff_ckf,
RM20?!  Just use it once at the petrol pump and U would have exceeded the RM20 - how difficult is it to spend RM20?!

these days, RM20 is really nothing .. pumping petrol, having a decent meal or buying groceries will surely exceed that amount ..

@jeff_ckf,
AhHh.... I think U mentioned it previously before except I didn't pay much attention to it *grins*  Anyhow, I used DA to pay for petrol for the first time yesterday *grins*  Also, figured since I ain't going to be getting points if I used my Citibank card, I might as well shift all petrol usage to DA and gain from there

@jeff_ckf,
I am able to spend >RM3k p/month on my total credit card bills depending on whether it's a 'good' or 'bad' month; am quite sure I'll hit that figure for the month of June though.  Need help spending the $?

@jeff_ckf,
I make couple of purchases for the office and claim them after; not much but it does help accumulate the points   I've also recently started paying all bills through my Credit Card

@jeff_ckf,
I use Citibank and there's no additional charges, not that I know of.  Yes, I could help ur mom pay her bills; just give me the cash first

hahaa.. thank you, jeff_ckf.

the first time i've heard of this term was when i was in school in the states.

@lwb,
I've just had a v long and tiring day so pardon my ignorance [hey, at least I'm willing to ask!] but what's FUBAR?

@jeff_ckf,
I don't consider myself rich, or so rich

@lwb,
Can't help myself with wanting all the knowledge; U should let me rest by now throwing these new terminologies, FUBAR, f2f, etc etc   I oredi forgot what FUBAR is but it's oK.. not an abbreviation I'm gonna need to use much

@jeff_ckf,
I've felt FUBAR before but try not to let the feeling stick around for too long   Yes, rich is a matter of opinion and in mine, I ain't