Let's continue your discussion in this new thread.

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

Paypass limited to RM120
Visa Wave limit should be RM150


3. Important Notice for CIMB and CIMB DA card holders

New CIMB i-pay.plan

4. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.


5. Standard financial charge (interest rate)

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

*warming
new BNM ruling whereby if you are not a full pay master of your credit card for the past 12 months, beginning from June/July 2008, all your transactions would be charged finance charges (17% p.a.) the moment you swipe. It means irregardless what you buy be it petrol or PC parts, it will have finance charges starting on the transaction date itself.

6. Complementary Cards

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM200k
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

7. Amex - Charge card
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.

Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

8. International Transactions
Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: None

Hong Leong: 1%

PBB: No Info

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: NIL

Standard Chartered: 1%

AMEX card: 1.5% charge + 0.5% (provided by Hye)
: an additional 2.5% (provided by tinkerbel)

Credit Card Cancellation Letter

[Your name]
[Your address]
[Date]

Dear Sir or Madam:

Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:

Credit Card Company: ____________
Account Number: ________________

Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.

Thank you for your prompt attention to this matter.

Sincerely,
[Your Signature]


Cash Advance fees
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[from Citibank]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[From UOB bank]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[From Maybank]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[ From Direct Access]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[From CIMB]

d) Cash Advance fees } The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction

} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied

} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[HSBC]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[From OCBC]

Credit Card V2 Thread
Credit Card V3 Thread

This post has been edited by vin_ann: Aug 11 2008, 10:16 PM

@Tinkerbel

so ngam im just closed the thread ma. haha

@David83
since it's reached 2500 posts, so open a new 1. haha.

it's depend.
Jasco and Carrefour have no minimum amount. this is proven and tested. Other than this two, i got no idea.

while for MPH their requirement is RM30.
n some restaurant is RM50.

if u wan real fast, then u can go to DA HQ at Bukit Damansara.

else submit ur 3 month pay slips, 1 degree cert, 1 photostated IC (make sure u see them cross / cop "for credit card application only") to any CIMB branch. usually will be around 2 weeks plus.

if u agreed to upgrade, ur clear card will be useless, can put in ur collections book. they will disable ur clear card.
and u have to register again for ur gold card.

@ Tinkerbel

i meaning for the online e-banking. the upgraded gold card is consider as another new card. the old 1 is disable so have to re-register for ur new gold card for online e-banking lol.

anyways, once u confirmed to activate ur new gold card, the existing clear card can not be use anymore. i thinks only few days later u can register ur new gold card, where u can see the existing old clear card balance is being transfer to new gold card.

btw, i received my Robinson card and it's in my collection book. haha. anyways, now i have 3 CC from OCBC which sharing the same CL. it's shown in my online banking.

1 things i wanted to share here is, my information is updated. my working office phone is updated with my new company phone. this is good.

btw, last week im also received a RM2,000 cheque and another blank cheque from Citibank. i thought i have win whatever contest and got prize of RM2k. so happy. as im read on, the cheque is consider as CASH ADVANCED. advanced fee is being charged, and only can be banked into your own account n need about 5-6 working days to the cash.

any1 have received this kind of cheque?

@cute_boboi
yeah. i shd documentation it up nicely. haha.

@ronnie
yaya. if i din spend some time to read up the Term n Condition, i wont have banked the cheque.

my citibank unbilled transactions got show this kind of information.

New Rules Start Rolling...

This post has been edited by vin_ann: Jul 15 2008, 09:39 PM

it's was my pictures. after i post i realised there is CC number on it. sorry guys / gals, i will upload it once i edited.

it's uploaded.



This post has been edited by vin_ann: Jul 15 2008, 09:40 PM

@Tinkerbel

im just want to let all know the changes on it. hehe.

@ Mustang
u still can get RM1,000 the handing charges / advance fee will be shown in the statement and on that day u withdraw, the interest is start to charging.

d) Cash Advance fees
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[from Citibank]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[From UOB bank]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[From Maybank]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[ From Direct Access]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[From CIMB]

d) Cash Advance fees } The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction

} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied

} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[HSBC]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[From OCBC]

go apply at the CC HQ. definately will be faster.

btw, do u aware of airport tax, surcharge amount to RM295 at the time of printing??

okok.

different people have different mentality. haha.

btw, today im just notice tht Carrefour the Credit card wave machine is accepting PayPass and Visa Wave.

another thing, any1 have visited the One Utama, they now are promoting the Musical High Sch music. there mention spend RM50 at any shop in 1U can get 15% discount until tomolo and there also got state payment via Direct Access or CIMB CC can get 20% discount as well.

is it it meaning i spend RM50 and pay with DA or CIMB CC, i can get total of 35%? any1 got found out??

@ Tinkerbel

it's ok. Mayb tomolo go to One Utama and find out. Tomolo is the last day for the 15% discount. the 20% discount is given to all DA n CIMB CC on normal days. perhaps spend RM50 and purchase the ticket now, can get 15% + 20%.

next time going to use my PayPass to try.

recently i notice that my UOB One Plat got nothing much benefits gain for me. thinking of switch to use my DA.

the only 2 things i spend using UOB is BHP n Carrefour.

For payment(s) at Carrefour, Smart$ Cash Rebates are awarded for each block of RM50.00
per single transaction up to a maximum of RM1000.00 (per month per card account) at the
cash rebates rate shown in the table below.
Carrefour’s Smart$ Cash Rebates Earning Table
Payment Amount Smart$ Cash Rebates
Tier 1: RM0.00 – RM99.99 0
Tier 2: RM100.00 – RM149.99 RM4
Tier 3: RM150.00 – RM199.99 RM6
Tier 4: RM200.00 – RM249.99 RM8
And thereafter, up to RM1,000.00 Up to the maximum of RM40
e.g. a payment of RM365.00 will be awarded a Smart$ Cash Rebate of RM14.
e.g. a payment of RM965.00 will be awarded a Smart$ Cash Rebate of RM38.
e.g. a payment of RM1000.00 will be awarded a Smart$ Cash Rebate of RM40.

*all this while i never hits RM100.

5. For payment(s) at BHPetrol, Smart$ Cash Rebates are awarded for the first RM70.00 only
per single transaction up to a maximum of RM400 (per month per card account) at the cash
rebates rate .

*more than RM70 no count already?? any1 understand the statement above?

credit card = spend future money.
debit card = use whatever money u have now.

it's confirmed that Direct Access can get rebates on any petrol.

anyways, for procedures terminate UOB card, u can request them to e mail u cancellation form. filled in and fax back to them. while the physical card need to send to them by mail or pass to customer service at branch.

failure to return the card will be charge RM25.

you sound like u being force to use the choice card.