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 Credit Card Thread V4, Plastic Money @ World Access

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wodenus
post Aug 2 2008, 06:44 PM

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QUOTE(tinkerbel @ Aug 2 2008, 06:42 PM)
@Hybz,
And that's exactly why U come across Gold Credit Cards with ridiculously low CL; RM4k.
*
Gold cards are just an excuse to make money. It costs more than classic, and has none of the prvileges of platinum or infinite smile.gif

TSvin_ann
post Aug 2 2008, 09:07 PM

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QUOTE(tishaban @ Aug 2 2008, 12:07 PM)
Almost everything there was just minyak for the month ~RM570 and a round of shopping at Ikea. Not a whole lot.

Has anyone done auto debit for your utilites on the credit card? Is it possible to put a limit on each auto debit, eg. I don't want my electricity bill to be more than RM200 per month, if it is then something's wrong and I don't want it to go to my credit card first.
*
previously i have done my auto-debit using my HSBC at Kedau Telekom. it's FOC.
about the RM200 limits, not sure, but each time bills come, it will be auto paid by CC.

--------------

btw, today i went to Midvalley MBB TreatFair. applied Petronas MBB card.
it mention 60 minutes approval.

4.35pm applied.
5.35pm back to counter collect, but were told 6.00pm come back to collect.
6.02pm i got sms saying my card is approved.
6.15pm reach at the counter, passed by IC.
6.35pm only got my temporary card.

The Temporary card i got now is only valid for the Maybank TreatFair Events only.
the only free gift is travelling bag but need to spend RM50 in the event. but i walked over the place, nothing is suite me. sweat.gif all is 100-1000+++ doh.gif

anyways, my actual card will be arrived within 1 week at the branch tht i identified.
SUSsentro2020
post Aug 2 2008, 09:21 PM

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guys

my birthday coming next thursday lulz

can i send my application on monday ? can get my 1st card in 5 dasys ah
SUSDavid83
post Aug 2 2008, 09:24 PM

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QUOTE(sentro2020 @ Aug 2 2008, 09:21 PM)
guys

my birthday coming next thursday lulz

can i send my application on monday ? can get my 1st card in 5 dasys ah
*
Age 18 or 21?
SUSsentro2020
post Aug 2 2008, 09:26 PM

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gonna 21 in few days lol
SUSDavid83
post Aug 2 2008, 09:31 PM

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QUOTE(wodenus @ Aug 2 2008, 06:44 PM)
Gold cards are just an excuse to make money. It costs more than classic, and has none of the prvileges of platinum or infinite smile.gif
*
Nowadays, gold cards looks "cheap". No offence.
SUSsentro2020
post Aug 2 2008, 09:35 PM

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hmm so my 21st is on next thursday .. can i apply monday and get it by thursday ?
wenjie86
post Aug 2 2008, 09:35 PM

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SAY NO TO PLASTIC CARD~~~~ dont FALL into CC DEBT tongue.gif

apply DEBIt CARD :S
cute_boboi
post Aug 2 2008, 11:02 PM

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This Sat morning went down to have porridge at Petaling Street before going over to MV. Still early, plenty of parking space. thumbup.gif Drop by MBB TP Fair, it was much bigger than last year.

Changed my ATM card to "Cherry" Debit Card tongue.gif @RM12
This time has the most laptop bags, luggage bags than previous years. But too bad I have enough bags already sad.gif
Thought of looking for a mini water-kettle jug I saw last year, but not available this year sad.gif
Not enough points to exchange for an LCD/Plasma TV of any size sad.gif

Nothing specific to buy/exchange. Maybe I am too kiamsiap. Actually nothing in my mind to exchange at the moment. sweat.gif

In the end, it's my friend who buy and I swipe my Amex Credit Card for 2x point. Then I sponsor some items with my TP. sweat.gif

Redeem some stuff from Gift counter and play the wheel-of-TP. Got back 850 TP (which will be credited within 2 month) and some hooks doh.gif

Overall, I would say the fair is getting better, there are quite a lot of goods. Just too bad I don't have anything in mind to exchange, so I'll keep the points for next year. Parking RM7 max.

BTW, I'll be visiting CIMB Fair at KLCC next week also to survey smile.gif

Some facts:
1) MBB Petronas 5x is extended to Dec'08 as mentioned earlier in this thrad. I just pumped Petronas today and will know by Mon/Tue whether it is still 5x. MBB will officially announce it soon.
2) Those on the spot approval + free "onion bag" are for NEW MBB CC applicants only.
3) For those using MBB Amex Charge Card and spent above RM1k, you'll get some nice leather stuff. For those using MBB Amex Credit Card like me, you'll get "onion bag" doh.gif
4) New MBB Amex Credit Card applicants will have 2 years annual fee waiver.
5) Saw two purple "sponge-bob-square-pants" wondering around. I nearly wrestle it down on the ground, until a SYT pass me the BR flyer rolleyes.gif

Sekian, terima kasih. smile.gif

tinkerbel
post Aug 3 2008, 12:20 AM

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@sentro2020,
The banks will NOT approve ur application before Thursday - U need to be full 21 years old before the bank can issue U a CC (as principal holder). There is NO possible way for U to be able to obtain a physical CC by ur birthday.
muscaa
post Aug 3 2008, 12:39 AM

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QUOTE(cute_boboi @ Aug 2 2008, 11:02 PM)
Overall, I would say the fair is getting better, there are quite a lot of goods. Just too bad I don't have anything in mind to exchange, so I'll keep the points for next year. Parking RM7 max.

BTW, I'll be visiting CIMB Fair at KLCC next week also to survey  smile.gif

Some facts:
1) MBB Petronas 5x is extended to Dec'08 as mentioned earlier in this thrad. I just pumped Petronas today and will know by Mon/Tue whether it is still 5x. MBB will officially announce it soon.
2) Those on the spot approval + free "onion bag" are for NEW MBB CC applicants only.
3) For those using MBB Amex Charge Card and spent above RM1k, you'll get some nice leather stuff. For those using MBB Amex Credit Card like me, you'll get "onion bag"  doh.gif
4) New MBB Amex Credit Card applicants will have 2 years annual fee waiver.
5) Saw two purple "sponge-bob-square-pants" wondering around. I nearly wrestle it down on the ground, until a SYT pass me the BR flyer  rolleyes.gif
*
wah you shop till paying RM7 parking maximum ooh
Sounds like the maybank fair isnt great
So would you encourage people to apply maybank cc on the spot?


Added on August 3, 2008, 12:40 am
QUOTE(wenjie86 @ Aug 2 2008, 09:35 PM)
SAY NO TO PLASTIC CARD~~~~ dont FALL into CC DEBT tongue.gif

apply DEBIt CARD :S
*
cant say no, too addicted to cc icon_rolleyes.gif


Added on August 3, 2008, 12:42 am
QUOTE(David83 @ Aug 2 2008, 09:31 PM)
Nowadays, gold cards looks "cheap". No offence.
*
yeah people with RM1000+ salary also can get gold card


Added on August 3, 2008, 12:45 am
QUOTE(vin_ann @ Aug 2 2008, 09:07 PM)
btw, today i went to Midvalley MBB TreatFair. applied Petronas MBB card.
it mention 60 minutes approval.

The Temporary card i got now is only valid for the Maybank TreatFair Events only.
the only free gift is travelling bag but need to spend RM50 in the event. but i walked over the place, nothing is suite me.  sweat.gif  all is 100-1000+++  doh.gif

anyways, my actual card will be arrived within 1 week at the branch tht i identified.
*
Petronas card good huh? the petrol transactions can get points?

This post has been edited by muscaa: Aug 3 2008, 12:45 AM
tinkerbel
post Aug 3 2008, 12:55 AM

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@muscaa,
Max charges for parking @ MV during the weekends is RM9 not RM7. If U haf intentions of getting a MBB CC and happen to be at the TreatFair, no harm putting in ur application.

Y do U say ur addicted to CCs? It's usually not a good sign U know.

I don't think those whose salary is below RM2k will and can qualify for a Gold card.

The MBB Petronas CC gives 5x reward points for Petronas - the promotion's been apparently extended till Dec 08.


cute_boboi
post Aug 3 2008, 01:02 AM

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QUOTE(muscaa @ Aug 3 2008, 12:39 AM)
wah you shop till paying RM7 parking maximum ooh
Sounds like the maybank fair isnt great
So would you encourage people to apply maybank cc on the spot?
Yes, but only
1) if they are going to use it inside the fair. After all, they still need to wait for the actual CC before can use outside.
2) You don't have any MBB CC. Otherwise, MBB won't give you instant 1 hr approval and ask you to swipe the existing MBB CC



Added on August 3, 2008, 12:45 am
Petronas card good huh? the petrol transactions can get points?
Only when you use the MBB Petronas Visa at Petronas stations, you will get 5x TP until 31 Dec 2008. You can get 5x TP if you purchase Syntium engine oil there also, which I did.
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tinkerbel
post Aug 3 2008, 01:03 AM

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@cute_boboi,
Are the stuffs realli cheap?! Also, is it a must to use MBB CC to make purchases? Can use cash or not?
Putraskyline
post Aug 3 2008, 01:09 AM

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QUOTE(cute_boboi @ Aug 3 2008, 01:02 AM)

*
I have worked for 4 month but now I have post my salary slip to my brother for applying loan to invest in property. Suddenly, I saw MBB Treatsfair at midvalley. So if I want to apply for credit card, can I just use my offer letter ?
cute_boboi
post Aug 3 2008, 01:12 AM

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tinkerbel,

If you mean purchase e.g. LCD/Plasma TV with cash outside at Ah Seng Electrical Shops, etc. I'm sure they can give better discount/promo/free gifts.

But if for points comparison with other banks, you can take this example.
Sony booth will accept 8,500 TP for RM50. I believe it is better than my other Citibank card which requires in the range of 12,500 points for other RM50 voucher.

Well, I did not see anyone pulling out any CC other than MBB tongue.gif You can imagine it is like going to Amway meeting and yell you are with Cosway sweat.gif Everywhere you turn, you can see the word "Maybank" tongue.gif

Some items can only be purchased with cash.
Some item have options to exchange 100% TP, or TP + $, or pure $
Some items only TP, cannot cash.

tinkerbel
post Aug 3 2008, 01:13 AM

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@Putraskyline,
I don't know if the bank will need proof of income. I suppose if U happened to be @ MV and came across the Fair, U wouldn't be carrying ur salary slip with U right?!

U could perhaps TRY *shrugs*
cute_boboi
post Aug 3 2008, 01:14 AM

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QUOTE(Putraskyline @ Aug 3 2008, 01:09 AM)
I have worked for 4 month but now I have post my salary slip to my brother for applying loan to invest in property. Suddenly, I saw MBB Treatsfair at midvalley. So if I want to apply for credit card, can I just use my offer letter ?
*
Standard is 3 months salary slip. Even though you post your salary slip to your brother, you should keep each month copy with you. Photostat another set to submit to bank.

Frankly, with just an offer letter, I think most banks will reject it.

tinkerbel
post Aug 3 2008, 01:32 AM

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@cute_boboi,
Lol - I figured that too cause if U pay cash, the price is d same as the list price [at least from the catalogue MBB sent!]. So there realli isn't much to purchase huh?!

Ah well.. so are U off to check out the PC Fair tomorrow?! wink.gif
cute_boboi
post Aug 3 2008, 01:39 AM

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tinkerbel,

I would advise not to purchase cash at MBB TP Fair, unless it is something you really want and can't find else where. That's the place to spend all the TP only.

I've already went to PC Fair on Fri tongue.gif Also did not find the thing I want, Sandisk 16GB micro-SDHC card which is not officially launched worldwide yet. Maybe have to wait Nov/Dec PC Fair sweat.gif But for those who use SD card, there is 32GB SDHC cards available at rm580-650 ohmy.gif

Nothing much there, as I don't have anything in my mind to purchase also, except the item I just mentioned.


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