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 Credit Card Thread V4, Plastic Money @ World Access

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SUSDavid83
post Aug 11 2008, 12:40 PM

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It's either called as CVV or CVC code.
SUSDavid83
post Aug 12 2008, 08:49 PM

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QUOTE(Hybz @ Aug 12 2008, 08:16 PM)
Care to share how long you guys cc application took ?

The agent promised my hsbc cc ready in 1 week, but today I called their card centre .. no even my data yet

Btw he submit on the same day I apply sweat.gif

I need a fast one lol
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That's the problem of applying through agent. They may pile up and send all in once.
SUSDavid83
post Aug 12 2008, 09:01 PM

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QUOTE(Hybz @ Aug 12 2008, 09:00 PM)
But I also heard if apply through branch might take a month sweat.gif\
Thats why i scared ...

Anyone know which bank is fastest proccessing ?
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The fastest way is to mail or fax directly to the bank's card centre.
SUSDavid83
post Aug 13 2008, 12:20 PM

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QUOTE(he-sham @ Aug 13 2008, 12:18 PM)
yerp....cimb DA very fast approval...
just got rejected by UOB for my uob one card application...why always no reason given ??  rclxub.gif
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You can demand for reason by have a communication with the CS.
SUSDavid83
post Aug 13 2008, 05:35 PM

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QUOTE(muscaa @ Aug 13 2008, 03:14 PM)
but usually they won't tell you why they reject your cc application
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It depends but so far, haven't encounter such no reason rejection.
SUSDavid83
post Aug 13 2008, 10:12 PM

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QUOTE(amerz @ Aug 13 2008, 10:05 PM)
i use cash in the end after third time failed.

The cashier ask me to refer to the list of error code on the pump but it doesn't show A6 error code.
only up to A4 error code.
p/s: now i know how important a backup cc tongue.gif
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Didn't you try on pump terminal?
SUSDavid83
post Aug 14 2008, 08:25 AM

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MBB EzyPay Special Festive Deal

http://www.maybank2u.com.my/promotions/may...kia/index.shtml
SUSDavid83
post Aug 14 2008, 10:28 PM

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QUOTE(TeraPox @ Aug 14 2008, 10:23 PM)
ISLAMic banks dun believe in Credit...
Infact i think they r don't allow to credit..
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I think BSN and Bank Islam got offer Islamic based credit card.
SUSDavid83
post Aug 17 2008, 11:24 PM

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QUOTE(Reventon @ Aug 17 2008, 11:23 PM)
haha, maybe his boss left his statement on his desk and he accidentally saw lor. Lol.
Just asking as i don't know whether Amex CL are similar to visa or master. I don't even know my current Amex charge card limit.
Tera and tinkerbel, mind to disclose the nearest k but no need to exact limit la
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AMEX Charge Card got limit?
SUSDavid83
post Aug 18 2008, 12:46 PM

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QUOTE(Fatz_Cat @ Aug 18 2008, 12:42 PM)
ok...thanks for the advise...i also consider to stop CC but sometimes we really need it for emergency case so thats y i need 1only...and cut the rest....

Direct Access is from which bank??...i heard maybank also have......that petronas CC....is it true FFL card?
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Direct Access is from CIMB. Used to be under Southern Bank Berhad.
SUSDavid83
post Aug 18 2008, 04:14 PM

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I think there're few cards from CIMB that are free for life without conditions:

1. CIMB Direct Access Gold/Platinum
2. CIMB Mastercard with Paypass
3. CIMB Petronas Mastercard

Otherwise, you may consider MBB Petronas Visa.

I'm not sure about other offerings.
SUSDavid83
post Aug 18 2008, 04:31 PM

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QUOTE(dr2k3 @ Aug 18 2008, 04:16 PM)
no condition as in no need pay slip when apply or no need those how many swipe thing
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No minimum swipe/spending per month/year plus no need to call to CS for waiver.
SUSDavid83
post Aug 19 2008, 10:39 PM

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QUOTE(cantona7 @ Aug 19 2008, 10:17 PM)
i got a question here...
my direct access card right...the interest free period means wat?
i no need to pay interest if i pay before the due date of the statement?
or 20 days from the transaction date?

lets say my statement date is 13th Aug, due date is 3rd Sept.
As long as i pay before 3rd Sept, i wont be charged any interest?
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Just pay before the due date and no interest will be imposed.

Based on the new BNM ruling, once you missed a payment, you will lose the privilege of the interest period till you cleared the outstanding. Interest will be started to be credited to your statement on the date of purchase.
SUSDavid83
post Aug 19 2008, 11:01 PM

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QUOTE(cantona7 @ Aug 19 2008, 10:57 PM)
so that means is 20 days interest free from the date of purchase lar?
means after u make the transaction..u need to pay within 20 days?

lets say...
13.8.2008 statement date
14.8.2008 used RM 100
13.9.2008 2nd statement date
01.10.2008 Statement due date

the RM100 is included in the 2nd statement and it's 29 days to statement day.
Will i be charged interest if i pay at 31.9.2008?
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You're required to pay what is billed. Any late payment to the current bill will impose a financial charge on upcoming purchaes in the next billing cycle I believe,

By the way, there's 31st in the month of September.


SUSDavid83
post Aug 19 2008, 11:04 PM

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It's very complicated with the new ruling. rclxub.gif

That's why to make my life more simple is to consistently clear all my outstanding before the statement due date.
SUSDavid83
post Aug 20 2008, 07:22 PM

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QUOTE(kons @ Aug 20 2008, 07:18 PM)
Gee. I used my MBB CC to pay for petrol in Petronas this morning, and when I checked my balance in the evening, it was 200 bucks! I thought I pump only like 30 bucks?

Called up their helpdesk and they told me to wait until the next billing cycle and it would be adjusted automatically.
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Did they explain how come such thing could happen?
SUSDavid83
post Aug 20 2008, 09:02 PM

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QUOTE(Tronoter @ Aug 20 2008, 08:58 PM)
its correct for petronas card...no matter what amount u pump into petrol, they will charge u rm200 per petrol transaction and will deduct the actual amount after 7 days...ok??
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I didn't experience such occasion before. The last time I pumped using MBB Petronas Visa at Petronas is last week. The exact amount is being debited to my statement in the online statement.

10-Aug-2008 10-Aug-2008 PETRONAS BAYAN BARU PULAU PINANG MY RM24.60

This post has been edited by David83: Aug 20 2008, 09:03 PM
SUSDavid83
post Aug 22 2008, 08:31 AM

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QUOTE(Norns @ Aug 22 2008, 08:29 AM)
anyone know where is cimb card centre so i can direct apply there
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Why not just mail in or fax in your application form plus supporting documents?
SUSDavid83
post Aug 22 2008, 07:41 PM

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I experienced the extra amount credited into my outstanding amount for petrol transaction in my Maybank CC.
SUSDavid83
post Aug 22 2008, 10:42 PM

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QUOTE(TeraPox @ Aug 22 2008, 10:35 PM)
lowest rate now is CIMB...

0% interest for 6 months..but make sure u can settle it in 6 months ah...(applicable for CIMB new customers only)


Added on August 22, 2008, 10:37 pm
if i'm not wrong.. seems like CIMB is taking away the paypass features coz of security leakage...

my new CIMB card dun show "Paypass" on the upper right corner anymore... laugh.gif
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Your CIMB CC is which card?

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