@ruztynail,
I don't know if HSBC asks for a t-pin when we call - like U, i usually give them my NRIC together with my CC number and they'll make the verification Don't call them as much [read: no problems so no need to call so often lor! hAHahAHahAHha]

If the bank requires a pin before U can do stuff with them, u could always request for them to send it out to U - when U get it, just activate it and change the pin It is not necessary for U to do it personally at the bank.

@keith_hjinhoh,
AhHh oKies... me bad.. sorrEe.. but RM12 is pretty negligible, at least in my opinion *grins*

@pherary,
Are U on a MBB CC? If so, the bank will start charging U interest - and it's pretty hefty so clear the debt as soon as U can. To pay back RM300 p/month on a RM5.2k CC 'loan' is really going to come up to quite a bit. You should stop using ur CC now so U won't get into bigger debts.

@David83,
oKie dokIes... I guess I onli need to know if MBB CC takes payment through M2U for SYABAS, TNB, TM, Astro & Maxis. These are my usual utility bills p/month and M2U doesn't allow me an option to use my Amex to pay for the bills; hence I wanted to know if it was the same if I used an MBB CC - if I could make these payments through a MBB CC I'll probably go apply for one - that way I can stop giving any business to Citibank!

This post has been edited by tinkerbel: Oct 14 2008, 07:44 AM

@David83,
As long as M2U can link our CCs to making these Utility payments it's all good. I cannot understand Y MBB won't let me use my Amex to pay these bills - maybe they scared I got no $ to pay them afterwards? *grins*

@David83,
Credit Card.

@pherary,
Has this debt been LONG outstanding?! Perhaps work out a loan scheme with them - tell them U can't pay and that U need 12 months installment to pay - they can go ahead to charge u the *gulp* high interest rates.

@ICDeadPeople,
Are people boycotting MBB?! Now that's not something I'm aware of but then again, I've been on the move so much I haven't been able to keep up with U guys here. On the contrary, I'm boycotting Citibank!

Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc. If U don't need it then forget it. Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!]

Out of curiousity, did they give u a big margin of CL increase? [I think I'm still bitter over the fact that Citibank gave me an upgraded card but reduced my CL!]

@tishaban,
No the amount on annual fee waiver isn't credited into ur account immediately - U'll see the adjustment when they've bill it to U like what hye says. I ain't too sure about MBB though cause the only CC I use issued by MBB is the Amex one.

Also, I don't think Citibank has any other cards to upgrade U too; Platinum's their highest category oredi lah ! *doink*

@tgeoklin,
The point is that if Citibank wants to upgrade my card and give me a 'better' lifestyle or higher spending power [like what their letter writes] they shouldn't be offering me an upgraded card with a lower CL than my current one. I find that totally stupid!

@soitsuagain,
It's good that Citibank offered U high CL. Having been a faithful and loyal Citibank CC user for close to a decade now, the amount of CL they've offered me is totally ridiculous. It is not low but it's definitely not as high as what other banks have offered me.

This post has been edited by tinkerbel: Oct 15 2008, 03:56 PM

@tgeoklin,
Ah well.. at the v least I didn't get a combined CL - dun care about Citibank, I'm boycotting oredi !! kEKekekKEkekekee...

As to Amex being accepted at petrol stations. Well, I haven't had ANY problems with mine thus far. Maybe I'm just lucky? *shrugs*

@tishaban,
Well, with Citibank increasing my CL with the new Platinum they offered me, I probably no longer need to worry about asking them for another increase for a long long long time. I don't even use 10% of that CL these days; more so when I now have shifted my spending to my Amex.

@tishaban,
Er.. siapa give 5x points on Amex for petrol purchases?! Damn.. I been so bz I haven't even had time to go through my own Amex bill!!! *eGad*

@vin_ann,
Er.. but Maybank Petronas Card is NOT an Amex card. Wasn't tishaban referring to an Amex card?!

It's weird - I still cannot understand how Amex calculates the 10x treat points. I just received my Amex bill. A quick summary:-

Total Debit This Month : RM8,961.33
Membership Reward Points Earned For The Month : 8,161 [Y isn't it 8,961?]
Amex Bonus Points : 8,161

I did a rough calculation - I did get the 10x bonus points for the stuff I purchased at Parkson & Best Denki. It was reflected under Multiple Membership Rewards Points:
Parkson : 4,080
Best Denki : 7,992

But whatever happened to the 800+ points?! I tried minusing the fuel but fuel cost came to RM417.08 so it still doesn't tally.

Anyone can shed a light?!

@Lord_Ashe,
I don't think there's a 'minimum' spending to get Citibank's Platinum card waived. A couple of people I know do get their annual fees waived but they don't use any other cards. A few others don't get theirs waived and they've since dropped Citibank.

As for me, I haven't reached the stage of annual fees yet ! *grins*

This post has been edited by tinkerbel: Oct 17 2008, 04:58 PM

@boonsin23,
At the v least U got something out of ur card

@Lord_Ashe,
Just take it then - U won't need to worry about the annual fee for the next 12 months and if it's an upgrade, the annual fees should be based on ur existing Gold Card for the next 3 years if I ain't mistaken

@Lord_Ashe,
I've no idea Y banks are still offering unsecured loans. I guess they figured ur rich !

@hye,
Er... am sure there are loads of people there with 'high income brackets' defaulting on their unsecured loans

@ruztynail,
Not much difference - they're just 2 separate companies with separate promotions