Don't worry, it happen to me before, pump Shell. The transaction never come in after >1 year, and I have cancelled the card already

The worst (or put it in other way, the most active) are HSBC and Citibank. Got sold out to telemarketers

DA called me before, but from their own CC department inquiring about my CC and usage.

MBB never care at all

But received a lot of junk snail-mails from all of them.

I'm already on e-statement Not fair!

Each time approval to pump, it will block off RM200 from available CL. Once finish pump, transaction is done, it will revert back the balance in 1-2 days.

ernest2020,

Good to hear that you are climbing out of the CC trap. You realised the CC evil, and you manage to learn about financial management and apply it.

ruztynail,

Don't get mad. It happened to me. Twice!!! My salary is banked into HSBC every month. I applied other cards can get, HSBC rejects. Then, recently instead of I apply, HSBC called me and offer 5 yrs waiver. So I submit just the form only (no photocopy cards, docs, etc.) and HSBC approve it...

wirelessdude,

I think HSBC gold CC CL range should be quite wide, maybe even RM50k-100k

No la, I think yours is among the average median. There are many gold cards with 4k CL only

Interbank cash transfer will take 1 working day to clear, if I recall correctly.
The money is deducted from your a/c, but not reflected on the recipient a/c until the next working day. It's the same, I tried transfer between MBB <> PBB vice versa.

Same bank transfer is immediate.

owenwong84,

I'm afraid not, as very high chance DA will call up the employers to verify you are working there, earning salary and assume able to pay.

Why not get a supplementary card from parents for studies/emergency usage ?
Or write a cheque (parents?) to pay the fees ? Unless you are paying own fees ?

I did that. Request/Download the form (forgot called what). I faxed in with 2 months latest pay slip. Received the upgraded cards within <3 working days after faxed in (by PosLaju). Faster than Maybank.

HSBC rejected me twice... before the tele-marketer call and offer me.

I think the figure is correct. Recently retail quoted me RM120 cheaper if pay by cash, instead of installment 12 mths using MBB CC.

I use MBB Amex Credit Card. Amex = 2x TP
Also apply for Asia Miles, which partners with quite a number of airlines like Cathay, Qantas, BA, etc.

I've been using MBB Online to pay bills. MBB Amex Credit Card cannot use at all for manual payment. You can try choosing manual bills to pay and the dropdown combobox won't have AMEX card option.

However, you can register for auto-debit with MBB Amex Charge Card for all bills (including TNB) by filling up a form.

MBB Amex Credit Card Auto-debit: Maxis 2x TP

My experience so far on manual online payment
Amex: NONE
Petronas Visa: TM/Streamyx (2x TP), MPSJ, Insurance (auto-debit), Petronas (5x TP) donation (auto-debit)

Citibank CC Master: Syabas, DiGi

Cannot pay using CC for both MBB and Citibank Online:
1) TNB

------------------------------
Previously I used MBB Amex Credit Card at Esso/Mobil (2x TP) + 1x Smiles point.
However, since MBB Petronas Visa is offering 5x TP until end-Dec 2008, I'm using it until further notice.

e.g. For TM bill, these are some options available for MBB manual online payment:
1) Savings a/c
2) Current a/c
3) Visa CC

No Amex option.

If got Amex option, I will be using it, cause 2x TP compared to Visa/Master 1x TP.

ah... sorry, my mistake. Just check and Citibank CC can pay TNB. Previously I was unable to pay using it, hence have to use M2u online savings/current account.

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Added on October 16, 2008, 10:35 amSince I was at Citibank Online, I check my statement and...

CL increased from 15k to 22.5k
Not yet include the Installment Loan Limit.

I'm just spending <RM100 every month on this Citibank CC. but paid in full and on time every month. I won't be using such high CL, but good to keep for emergency purpose.


This post has been edited by cute_boboi: Oct 16 2008, 10:35 AM

Take a simple scenario. A RM50 voucher (KFC ?) needs 8500? points.

8,500 / 5x TP = RM1,700 of petrol

If pump in RM1,700 x 2% rebate = RM34 of cash rebates only.

For comparison purpose,
12,500 points / 5x TP = RM2,500
RM2,500 x 2% rebate = RM50

Not much to shout about Amex. It is not widely accepted in M'sia.
Only good thing is minimum 2x TP if I use my MBB Amex Credit Card on all purchases, if the merchant accept Amex.

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Added on October 17, 2008, 9:42 amtishaban,

Are you using Amex Credit or Charge card ?

Previously when I start to use MBB Amex Credit card, MBB has 5x TP promotion for 1-2 years on all purchases. After that, reduce to 2x TP forever.

This post has been edited by cute_boboi: Oct 17 2008, 09:42 AM

Use travel agent to issue ticket/e-ticket. They accept Amex. But fare maybe a bit higher due to commission. 2x TP also.