Google lah friend, the info is also available online inculding reviews of the Amex charge card and whether or not it's worth it.

Charge card = there is no hutang from month to month. If you spend $20k this month you have to pay in full the whole month. There is no preset credit limit.

Credit card = there is a preset credit limit, you can use up to the credit limit and either pay all or pay some amount at the end of each month.

The income tax part is cute, if you're paying RM21k or more for income tax then your annual income is er... I dunno, RM90k and above? I can't remember the income tax brackets without looking at the table.

Let's say I have a TMnet Streamyx bill RM66
Can I login to my internet account and pay 5 times RM10, and 1 time RM16. Will this meet the minimum 6 transactions a year?

how about buy petrol rm1 per translation ~ if use car u had 50~60 time

If you don't feel comfortable, don't let them do it. Just do the photocopy yourself, cross out your IC and the ccv and submit it to any CC agent by going to any Carrefour branch. You will find them

Better go to an agent and let them 'wan sek' than go to branch.

i got this "credit card shield plus" frm citibank issued by ING... if i hv an outstanding balance of rm100.. i am charged 65 sens.. in the case of death and etc.. it will be waived... i dont think i signed up on this.. can i cancel this service? or does it come along wit it?

they will mail the pin number and the card separately right?
need to activate 1st then only will receive the pin?

i took my card frm the bank.. so not sure.. u obviously would get the card.. thn only pin... thn u can apply for online pin as well

they mailed me the card one month ago,.. and till now i still havent received my pin,... and of coz,.. my card not yet activated...
need to activate 1st then only will receive the pin?

The simple answer is YES if you could split the payment up. This will qualify as 6 minimum transactions per year.

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Added on September 15, 2008, 11:41 pmWell ... in theory you can do that but do remember everytime you use your cc at the pumps, you are being "charged" RM200 which will then be normalised to the actual amount once the merchant reconcile the actual amount with the bank. (Forgive me if i get the terminology wrong but I hope everyone gets the idea)

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Added on September 15, 2008, 11:43 pmAha Another case of agent "ticking the additional boxes" which you did not apply for. You can lodge a report if you want to if you feel victimised. This service is not automatic nor it is mandatory, you can cancel it. (I kena a similar problem myself except that the agent applied an "additional" card without my consent. All these add-ins adds up to their commission I think)

Call the Citibank CS and ask to cancel this service. Most likely they will ask you to write in.

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Added on September 15, 2008, 11:47 pmPIN number and card will be mailed seperately. Not necessarily you need to wait for the card to be activated before receiving the pin. This scenario varies from bank-to-bank though. Some bank you need to receive the card first before you can get your PIN.

This post has been edited by hye: Sep 15 2008, 11:47 PM

i received my card on 1st August but till now still havent received my pin
need to wait tat long?

Just got my free for life card 3 days ago.

My question about 20 days interest free since I'm a new cardholder.

1. 13 Sept : Fill petrol = Rm180
2. 14 sept : grocery = Rm200

When Oct statement come, do they charge me financial charge?Or my statement would be Rm380 fix?

Which bank is your cc from?

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Added on September 16, 2008, 1:53 amYou will be charged RM 380. Don't worry about the finance charges unless you start to pay minimum and not pay in full every month.

This post has been edited by hye: Sep 16 2008, 01:53 AM

This does not apply to personal credit cards. Please get your facts straight.

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Added on September 16, 2008, 2:10 amThis is, to me, the worse credit card companies:

1: UOB, the worse customer service. (cancelled)

2: RHB, slowest customer service, which does not get the job done. (applied for a supp 2 months ago. Asked me for supp's I/C 5 times which i gave)

3: Citibank, uses your database for advertising their nonsence. (was about to cancel caused they sms'ed me at 3am on some advert)

4: Amex platinum Normal and CC, well.. its managed by maybank now, need i say more? (might cancel but paid 2k+ for their service fee)

Only two credit cards I have no complaints. HSBC and Standard Chartered.

And yes they are all platinums so makes no difference in customer service here.

This post has been edited by Animeinter: Sep 16 2008, 02:13 AM

Anyone got any idea on what's the minimum requirements to apply for a CC ??

Thank a lot.

Thanks Bro.

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Added on September 16, 2008, 3:51 amIts 21yo and minimum income of 18k/annum

This post has been edited by Putraskyline: Sep 16 2008, 03:51 AM

I beg to top it all

Tried to cancel my MBB card, guess what? After 2 weeks still not done, so called them up. They say will check and get back to me. 3 hours later they called back and say cannot cancel. I ask, why? They say because I am supp card.

So I asked, who is my principle, they say, myself also ...... then why cannot since I am principle, they say, erh .... principle card a/c already closed

So now how? They say need to investigate ........

i dun think need back as well...last time i apply eon using my mbb...


the eon staff ask me blackend the 3 digit.n advise me not to show it

so many issues la... lets talk anything else la....

how about ramadhan buffet privilege & current shopping privilege promotions ??

which cc offer the best deal ??

from what i read DA/CIMB card get 20% discount for ramadhan buffet at KL Convention Centre (normal price rm85++ per pax)...

This post has been edited by he-sham: Sep 16 2008, 09:57 AM

citi jus release their sept promotion pamphlet also. u can go check it out on their site.

Maybank processing dept is so far the slowest one that I've encountered. Haihh.. any other card with free for life annual fee and good balance transfer program? Am eyeing DA but arsenal havent reply my question on the balance transfer rate