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 Credit Card Thread V4, Plastic Money @ World Access

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dr2k3
post Jul 14 2008, 03:33 PM

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QUOTE(tinkerbel @ Jul 14 2008, 01:48 PM)
@widget,
Yeah.. I wanted to pay my house downpayment through CC but the developer wouldn't accept it *siGh*

@cute_boboi,
Yes Diners is probably less accepted in MY than Amex.  Anyhow, I was pretty surprised Crystal Jade doesn't accept Amex.  I would have expected a place like that to accept Amex too biggrin.gif
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maybe they concern about CC fraud + reverse charge or whatever...especially with big amount

Added on July 14, 2008, 3:35 pm
QUOTE(ronnie @ Jul 14 2008, 02:17 PM)
Does anyone agree with the 20-day interest free period for those who pay in full only ?

I, for one, TOTALLY AGREE with this move.
Credit Card is for convenience of not carrying cash... not to put you in debt.
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by doing so they r increasing the debt even more

This post has been edited by dr2k3: Jul 14 2008, 03:35 PM
dr2k3
post Jul 14 2008, 03:38 PM

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QUOTE(David83 @ Jul 14 2008, 02:12 PM)
vin_ann is the TS again. sweat.gif
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actually i wanna officially start one.....but i afraid someone might get angry tongue.gif

Added on July 14, 2008, 3:39 pm
QUOTE(tinkerbel @ Jul 14 2008, 03:35 PM)
@dr2k3,
I think developers are just kedekut; they don't want to pay merchant fees hence don't allow payment through CC.

If we all started learning to use our CC facilities wisely, we wouldn't need to be running into debt biggrin.gif
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true also......merchant fee....high amount = high fee

omg....the connection so SLOW!!!

my reply suppose to be in 1 post ~_~...let tinkerbel cut ~

This post has been edited by dr2k3: Jul 14 2008, 03:39 PM
dr2k3
post Jul 14 2008, 03:46 PM

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as for cancel the card thing.....do i must send them a letter or i can cancel the card on the spot (branch)/phone
dr2k3
post Jul 14 2008, 04:01 PM

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@ronnie

because most of them always overswipe, thats why BNM doing this just make sure they go bankrupt more faster tongue.gif

This post has been edited by dr2k3: Jul 14 2008, 04:04 PM
dr2k3
post Jul 14 2008, 04:11 PM

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@beebee

its not wise to do so..........the interest will make u pay more on that particular item..............if have money just paid it in full....unless its 0% thing
dr2k3
post Jul 14 2008, 07:31 PM

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QUOTE(David83 @ Jul 14 2008, 06:08 PM)
7-11 accepts credit card?

My experience was at Sunshine Supermarket.
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7-11 accept cc

Added on July 14, 2008, 7:32 pm
QUOTE(he-sham @ Jul 14 2008, 06:09 PM)
yeah... my friend living in the us said, there most of retail purchase even small amount are preferred using card than cash....

i wonder why RM5 premium toilets Robinson @ the gardens midvalley do not provide card payment facility...hehe  tongue.gif
*
robbery, less money needed to count

This post has been edited by dr2k3: Jul 14 2008, 07:32 PM
dr2k3
post Jul 14 2008, 07:53 PM

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QUOTE(David83 @ Jul 14 2008, 07:48 PM)
Thanks for confirming. I seldom buy stuffs from 7-11.
RM 5 for toilet access or what?
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usually big or medium overseas franchise accept CC
dr2k3
post Aug 8 2008, 11:58 AM

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QUOTE(TeraPox @ Aug 8 2008, 10:50 AM)
CIMB plat will complete my entire "collection list" liao... brows.gif

I think i will have to go back and wander around... if they really 'refused' to approach me, i will wipe CIMB off my collection list. vmad.gif
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O_O how much annual fee do you pay annually????for all the card in ur "collection list"

u wear nice nice confirm they will approach you

This post has been edited by dr2k3: Aug 8 2008, 11:59 AM
dr2k3
post Aug 8 2008, 04:19 PM

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poor guys....always walk into trap of hot chicks tongue.gif
dr2k3
post Aug 8 2008, 05:10 PM

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QUOTE(TeraPox @ Aug 8 2008, 04:50 PM)
no, that will make me feel.... CHEAP.... shakehead.gif

Added on August 8, 2008, 4:52 pm
basically... the total annual fees that i paid for all my platinum cards are around... say... RM2.00 biggrin.gif
(call charges to ask them to waive my annual fee or i cut my card) biggrin.gif
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wow....i tot u typo wanna type 2000 tongue.gif

pro credit card user tongue.gif

u sure have alot time to call all the bank


notworthy.gif notworthy.gif notworthy.gif notworthy.gif
dr2k3
post Aug 18 2008, 09:32 AM

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QUOTE(bee993 @ Aug 18 2008, 07:57 AM)
can i ask wat will happen after kena late charge??

then my next cc bill no 20 days interest free period liao?
how can i cancel my eon cc?

i only get it for 2-3month.........dint reli use it anyway.........

the online banking service so slow for the cc........i oso dunno my office boy dint pay my cc bill  becoz they are slow at updating in online banking.......now kena late charge.......i afraid might effect my other cc...........

Added on August 18, 2008, 8:14 amcan anyone help about my situation?

will my eon cc late charge make my other cc oso no interest free period?

and wat it mean without the free period?

example now i swipe rm100.00 then the bill cum i hav to pay more then rm100 or how?quite confused...........
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it wont affect other cc.....

no period means no 20 days free interest starting from the date of the bill
let say u swipe 100....u have 20 days of free interest period......thats mean if u pay within 20 days, u only need to pay 100

after 21 day pay then they started to charge u interest......if u bring forward the balance....the next swipe will no have free interest period
dr2k3
post Aug 18 2008, 10:39 AM

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QUOTE(tinkerbel @ Aug 18 2008, 09:38 AM)
@TeraPox,
I think U wanted to check with Amex re the Longines promotion.

@David83,
The Amex Charge Cards do NOT have a CL.

@Reventon,
Unfortunately, the CL given to me on my Amex CC is considerably less than the RM50k U need.  Since you're an existing customer (thru their Charge Card) they might just  give U more since they would oredi have record of your existing spend pattern + payment records.
contradiction?

Added on August 18, 2008, 10:41 am
QUOTE(he-sham @ Aug 18 2008, 09:42 AM)
i also dont quite understand...

20 days interest free from date of swipe OR from due date(bill statement date)  ??
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bill statement date

This post has been edited by dr2k3: Aug 18 2008, 10:41 AM
dr2k3
post Aug 18 2008, 10:45 AM

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still blur lol~

no "PRESET" limit.....

have Limit

thats mean....there is limit just the limit not yet set?

Added on August 18, 2008, 10:48 amor she is saying about amex charge card and amex credit card 2 diff card"?

This post has been edited by dr2k3: Aug 18 2008, 10:48 AM
dr2k3
post Aug 18 2008, 10:53 AM

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got such thing...but not in malaysia tho

This post has been edited by dr2k3: Aug 18 2008, 10:55 AM
dr2k3
post Aug 18 2008, 04:16 PM

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no condition as in no need pay slip when apply or no need those how many swipe thing
dr2k3
post Aug 20 2008, 10:41 AM

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is it really that effective only photocopy of credit card alone can apply for another credit card without payslip n other qualification stuff?
dr2k3
post Aug 20 2008, 11:13 AM

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QUOTE(TeraPox @ Aug 20 2008, 10:49 AM)
CL doesn't matter larr...

Believe it or not...

my total CL is enoff for me to sign a Car...(Not Made In Malaysia One...) ahahahahaha

Added on August 20, 2008, 10:51 am
Yup... My Old Card had intro me to many of my New Cards.... brows.gif

Added on August 20, 2008, 10:52 am
For HSBC....
these r the numbers for CC related

Gold and Classic: 1-300-88-1727 or 603-2054 8800
Visa Platinum: 1-800-88-7088 or 603-2054 9000
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so when apply for a card....just take a form...fill it n send it back together with CC photocopy, ignore the payslip...despite of saying it need ur payslip on CC application form?
dr2k3
post Aug 20 2008, 11:38 AM

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QUOTE(TeraPox @ Aug 20 2008, 11:23 AM)
that's what i do everytime...

but i think it depends on individual...

eg: people like tinkerbel, whom has a great track record... dun even hav to send in the application..the bank will actually call up and offer her a card...  brows.gif
just submit the app form with the Copy of ur CC 1st, if the bank think that's not enough, they will call u and ask u to to fax in more supporting documents...

Added on August 20, 2008, 11:24 am
wat happened? no answer?
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both side or one side
dr2k3
post Aug 22 2008, 04:38 PM

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QUOTE(Norns @ Aug 22 2008, 10:45 AM)
Not sure, i check from online lol.

This is my first card and my income definitely more than requirement
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usually first card is harder to get than anything else...because bank like HSBC is very conservative.....they dont know ur spending and payment habit......

if u get alot card(with good payment) like terapox then i think HSBC should not be a problem to u

This post has been edited by dr2k3: Aug 22 2008, 04:42 PM
dr2k3
post Aug 22 2008, 04:53 PM

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QUOTE(Norns @ Aug 22 2008, 04:46 PM)
phone line also they check ar ? unsure.gif

telecom fixed line ?
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i dont think they check those......

ccredit bureau = BNM

bank report to BNM

utilities company dont report to BNM

Gas/Telephone = Utilities Sector

BNM/Bank = Financial Sector....not related at all

This post has been edited by dr2k3: Aug 22 2008, 04:55 PM
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