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 Credit Card Thread V5, (added FMB website to 1st post)

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tgeoklin
post Dec 24 2008, 03:40 PM

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QUOTE(tinkerbel @ Dec 24 2008, 01:47 PM)
@tgeoklin,
Am sure it's on the ocassional rare moments; and even then U could always pay up your bills first smile.gif  Amex + Citibank combined, I have close to RM100k CL - definitely do not intend to use it up ! *gulps*
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@Tinkerbel, you will be surprised what I sometimes go thru when on extended trips. There was once I even had to have a temp increse of RM200K after shooting thru the roof. Lucky the bank was very obliging, otherwise would be in very hot soup

Paying ahead is definitely not an option, more so when you do not even have the funds at the time in question. biggrin.gif

This post has been edited by tgeoklin: Dec 24 2008, 03:48 PM
-pWs-
post Dec 24 2008, 04:15 PM

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Hi Guys,

I am using HSBC CC.
May I know how much interest they charge if not full payment is made? notworthy.gifnotworthy.gif

-pWs-
zenwell
post Dec 24 2008, 04:29 PM

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QUOTE(tinkerbel @ Dec 24 2008, 11:55 AM)
@RockIron,
Er.. I usually don't exceed more than 50% of my available CL but I made some rather heavy purchases the last few months hence I used up my total available CL on Amex.

On another note, I just checked.. Citibank gave me an additional RM20k credit line with my renewed CC - weird and crazy bank.  When I wanted it they don't give it to me, when I don't need it, they give it to me !
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Tinkerbel,

Finally Citibank has increased for you. Congrats biggrin.gif
Scissorshand
post Dec 24 2008, 04:48 PM

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tinkerbell,

u lucky bugger u got add 20k on yr renewal, mine only increase once and it was 14k CL until i cancel them last mth. Been wit Citibank since 1997/96 i think. now only use AMEX and my UOB VISA
RockIron
post Dec 24 2008, 07:39 PM

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QUOTE(tinkerbel @ Dec 24 2008, 11:55 AM)
@RockIron,
Er.. I usually don't exceed more than 50% of my available CL but I made some rather heavy purchases the last few months hence I used up my total available CL on Amex.

On another note, I just checked.. Citibank gave me an additional RM20k credit line with my renewed CC - weird and crazy bank.  When I wanted it they don't give it to me, when I don't need it, they give it to me !
*
He... He... If i used up all my Amex CL, I'll be rclxub.gif

My Amex CL just short few k will be 100k.

Anyway congrats for the 20k CL increased from Citi. Nowadays banks very hard to increase that much CL in once.

Again, congrats!!! rclxms.gif
velo
post Dec 24 2008, 09:11 PM

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Hey all cc experts, anyone know if the UOB plat card annual fee can also be waived by 12 transactions?

Thks.
art806
post Dec 25 2008, 12:41 AM

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QUOTE(velo @ Dec 24 2008, 09:11 PM)
Hey all cc experts, anyone know if the UOB plat card annual fee can also be waived by 12 transactions?

Thks.
*
Just give them a call; banks nowadays would want to retain the customers rather than having them move to another bank. I know its cumbersome but I make it a point to call my bank annually to cancel that $140 annual fee for my platinum card..
babymiki
post Dec 25 2008, 01:38 AM

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QUOTE(Optiplex330 @ Nov 14 2008, 02:31 PM)
If you wanted to use your credit card overseas or overseas purchase, CIMB DA card do not have transaction fees. Others add 1 to 2% on top of VISA/MC exchange rate.

The only catch I know of CIMB DA card is that you must be a professional or graduate to be entitled to free-for-life annual fee.

As for ATM, Public Bank ATM card can not be used to withdraw cash from overseas ATM machine. RHB very limited. Best is HSBC ATM card.

Added on November 14, 2008, 2:38 pm

On several occasion, the currency exchange I got from CC is so low that it is available nowhere else in the world (because it's even lower than interbank rates). Heck, it is not even available to the bank themselves, let alone their customers. When you think about that statement, it's truly puzzling. Hence my original posting asking as to whether anyone here know something I don't.
Foreign merchant ----> VISA/MC -----> CIMB -----> You.
AFAIK, CIMB DA is one of the very few bank that do not earn anything from you for foreign transaction.

The merchant makes money from you. VISA/MC makes money from you. CIMB do not charge transaction fee so do not earn money from you.

Other banks do. HSBC add 1% on top of VISA/MC charges. PBB also 1%. EON adds 2%.
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what's a DA card??
zenquix
post Dec 25 2008, 01:47 AM

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direct access
babymiki
post Dec 25 2008, 03:05 AM

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i tried searching from the webbie but couldn't find that card?
zenquix
post Dec 25 2008, 03:21 AM

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http://www.directaccess.com.my/index.php?tpt=da
babymiki
post Dec 25 2008, 03:23 AM

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oh Thank You.

What does "for Affinity / Joint Marketing Partners" stands for actually?
zenquix
post Dec 25 2008, 03:39 AM

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Those are co-brand cards. Usually you need to be a member of that organization to apply.
Chester
post Dec 25 2008, 07:59 AM

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anyone swiped hsbc and got the sushi king voucher?
vin_ann
post Dec 25 2008, 10:05 AM

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QUOTE(velo @ Dec 24 2008, 09:11 PM)
Hey all cc experts, anyone know if the UOB plat card annual fee can also be waived by 12 transactions?

Thks.
*
are you refering to the UOB One Platinium card? if yes, then annual fee will be waived by 12 transactions, provided you also keep you another UOB master card active.


GHz
post Dec 25 2008, 10:23 AM

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QUOTE(Chester @ Dec 25 2008, 07:59 AM)
anyone swiped hsbc and got the sushi king voucher?
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I have not reach the number of swipe yet. 7 swipe to get right. By the way I also received SMS message about 10% cash rebate on all transaction above RM100. Let see how true is this.
simplesmile
post Dec 25 2008, 10:56 AM

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QUOTE(GHz @ Dec 25 2008, 10:23 AM)
I have not reach the number of swipe yet. 7 swipe to get right. By the way I also received SMS message about 10% cash rebate on all transaction above RM100. Let see how true is this.
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Hey, how come HSBC didn't give me this promo? I didn't receive SMS about this.
J'Daniel
post Dec 25 2008, 11:02 AM

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I wonder does MBB MC and Visa wave annual fee can be wave or not ?

I don't see any benefit on visa wave except for touch n go facility. besides, it doesn't give any reward point or treat point as well
GHz
post Dec 25 2008, 11:08 AM

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QUOTE(simplesmile @ Dec 25 2008, 10:56 AM)
Hey, how come HSBC didn't give me this promo? I didn't receive SMS about this.
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I received this SMS on 12th December which says,

"Happy Holiday! Just for U,get 10% rebate up to RM50 (per customer per month) on every RM100 spent with your HSBC credit card. Valid 1Dec08-28Feb09. T&C apply."

I call up their CS, & confirm that was true.
wvt
post Dec 25 2008, 04:55 PM

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To MBB CC sifu\master\boss,may I know the purchases untill what amount only I'm entitle to convert it into monthly installment?what is the minimum pay back period?

Any shop also can?what is the process?need to inform b4 apply?

Thanks a bunch notworthy.gif
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