What different between charge n credit card? Amex is all charge card is it?

I'm interest in Amex because it offer more privileges in dining. But I dont have so much info about this card. Why people seldom use it?

yeah nowaday gold card is very useless

Citibank Shell is 2.5% petrol and 0.75% retail w/o carry forward balance.  This is to fight against CIMB Petronas (and DA). What they don't tell you is your rebate is only credited if above RM20 (from some of the threads) and there is annual fee.. So how much do you pump to start making a gain??

Oh yah alot of Citibank offers are point based so Shell Citibank does not qualify.

Should be very safe, even though there is a lot of hackers

@andrekua

it works for you if your usage is that high every month and you don't mind the annual fee

but if you use a similar free for life card like CIMB Petronas

500 * 2% = RM10
750 * 0.5% = RM3.75

Total monthly = RM13.75. Annually is ~ RM 168

It works out to be more since your don't have to fork out the RM75 for the annual fee as is the case for Citibank.

However only applies if you pump Petronas. Point based reward system is harder to compare since you may not need the stuff + may have expiry date.

Recently I used Citibank CC to purchase online (USD1.00 only    ) Very straight forward. Just enter CC number, expiry date and last 3 digit. No call, no problem. 

yeah agree with you
found my UOB plat1 and master gold are not that good
feel like wanna terminate it

yaya.. the longine worth RM2.3k... i've check with dealer already...

I don't have much to catch up looo... around another 10k ++ only...
yalor, platinum is not really that special nowadays.. sometime, i do feel like they don't deserve me...   but wth... wait for visa signature to enter malaysia lor.. and also, platinum bring alot of good deals.. like for example the buy 1 free 1 @ oriental group by UOB... really save me quite alot during these couple of months...

if the CL are above 50k then it should be enough for me , most of the time i have to use it for official use and my own too.. and because of the conversion , if too little credit limit , it will be very hassle if i use it in europe. Currently my usage for company and oversea transaction are on AMEX charge card, and other smaller amount are charged to visa. But since AMEX has the credit card as well now , maybe will consolidate every usage to just one brand .

Hi guys ^^ After reading your post for a few days, I decided to register and post something

Fortunately it's a question!!! hehe

Ok, I'm a Unit Trust Consultant, I have a constant flow of comision of RM2,000 per month. In addition, I am also a bank staff with Rm 2000 Basic Pay. (Rough Figure PnC)

So my net income is roughly RM 4,000 +/-  in your opinion, what are the chances of me getting a Gold card?

(I have a classic card for staff from the bank I work in But I want a GOLD )

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Added on August 19, 2008, 1:49 amoh Speaking of which, the only benefit of a Staff card is no annual fee ... darn it !! ..... not lower % or better installment ..

everyone can now have free annual waiver ...
Gahhhh .......
I've been offered by the Agents for a gold card (HSBC,ALLIANCE,and etc) but I know it's not easy to get it ...

oh i forgot to add some information

My Public Mutual 2k commission is in Public Bank account, My company account is a different back account, So I just need to submit 3 months Bank statement + 3 months payslip.

The reason why I said it's not easy because I've just been working for 3 months ^^; this is my 4th Month ... Should I wait longer before i apply ?? the agents says it's ok .... no problem .. but ... really no problem meh?? I work in a bank .. I know it's not easy ... That's why I wan to try other banks

Hehehe, it was me. Actually I've asked them to upgrade my HSBC Classic Card but they said I need to apply for it so I just ask them to increase my credit limit, after a few month, they automatically increased it again for me. So now its around RM15K
Actually I've tried to look for it but i can't find it

both sides and do remember blanko the last 3 digits for security purpose...

Relevant or not, the "relevations" above leave a very sour taste in my mouth. At the very least, it shows a total lack of respect for customers. But then, what do you expect from "legal Ah Longs" 

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Added on August 21, 2008, 11:59 pmBtw, applying for an Alliance credit card is a nightmare. People who answered my calls are rude and are unable to answer my queries, the women acted like they are having a migraine,those who promised to call back never did, and I got the phone slammed down on me twice!  I won't bother to go into details .. but when and if I get their credit card, I'm probably cut it up 

have to pay RM800 for AMEX platinum... and the rest r free....

i pay in full(actually a little bit more than full) everymonth... and when they r about to charge me annual fee. i called them up, tell them that other banks can offer me FREE cards. if they can't i will cancel the card... (lame scripts)... and walah! it works!    success rate 99%

me neither... just dunno how andrekua's boss got that letter...