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

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vin_ann
post Jan 22 2009, 12:18 AM

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QUOTE(Master of Cards @ Jan 21 2009, 11:43 PM)
Here are the cards

Added on January 21, 2009, 11:53 pmSynergy Cards are FREE FOR LIFE -NO CONDITION
up to 0.80% CASH BACK +100k P/A
C/L 3K to 100K

New card player normally easy to get card approved like AEON, Al-Rahji Bank and HSBC Islamic  They want volume.
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not really.

HSBC islamic M-power CC rejected my application.

now, did not ever bother to apply any card anymore.
vin_ann
post Jan 25 2009, 09:12 PM

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to all,

just now i pump Petronas, the $ show on the pump is RM44.50, but when my receipt is being printed out from the machine, it's show RM44.51.

did any1 got aware of this?
vin_ann
post Jan 27 2009, 10:26 PM

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QUOTE(arsenal @ Jan 26 2009, 02:52 AM)
How long to get reply for HSBC amanah? Thanks..
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i got my reject letter within 3 weeks time. icon_rolleyes.gif
vin_ann
post Jan 27 2009, 10:45 PM

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QUOTE(prasys @ Jan 27 2009, 10:35 PM)
No need. Just call up the bank ASAP and report to them that you lost your card or your card was stolen. So that they'll freeze that account

As said by kons , just make noise. Usually , they'll just waive it after making noise !
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agreed.

vin_ann
post Jan 28 2009, 10:32 PM

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hey guys / gals

i not sure whether your got aware of this magazine or not.

is Personal Money. and the topic for this issue is "Get a Grip on Your Credit"

among the sub topic is :
- How to eliminate bad debts and build wealth.
- Plus Cashing in on lower interest rates...

your can go and looks for the details inside.
vin_ann
post Jan 30 2009, 07:52 AM

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QUOTE(hye @ Jan 29 2009, 11:27 PM)
Well, my personal opinion is that I do not agree with the categorization that you are using. The banks don't use it, you miss certain cards and there are serious flaws about the way that you categorize it. (At least in my personal opinion) I suggest that you search through all the banks websites, understand their cc offerings and make an analysis from there.

I'm not too enthusiatic about doing your homework for you but I think I have given you some hints. Good luck!
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agreed.

just go visit every bank website and list down....

from there, can see the category, and figure out the target market.
vin_ann
post Jan 31 2009, 02:11 AM

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QUOTE(Reventon @ Jan 31 2009, 01:15 AM)
Prestige Platinum Card is a membership card for Shangri La hotel F & B and rooms discount card. If you are holding Amex Platinum CC from Maybank , the membership for Prestige Platinum are complimentary and by right they will not contact you for enrolment, cause they will issue you the card in 3 weeks time after you get hold your Amex Plat CC.

FYI , Visa card issued by Maybank does not come with the membership.
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oh... that's how my ex-colleague got this card.

no wonder.
vin_ann
post Jan 31 2009, 06:56 PM

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QUOTE(davidlow7 @ Jan 31 2009, 04:29 PM)
This is the reason why I reject the Zing card. It makes no sense for me to pay the extra RM2 per transaction.

Infact, I travel to KL Sentral almost daily to go work and I can just top up at the LRT counter or TnG centre... there is no need to waste rm2 x 2 monthly... as I spend almost rm100 per month
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it's cost n benefits lo...

not every 1 is like you, can just top up at LRT counter or TnG centre.

if tht person feel RM2 can save him so much of hassle, he is glad to get it...

otherwise.. will be just like you.


vin_ann
post Feb 3 2009, 12:34 AM

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QUOTE(wcs2798 @ Feb 2 2009, 01:53 PM)
affin bank interest rate @ 9.99%
http://www.affinbank.com.my/ccards/cc.htm

Alliance Bank Younique has 9% interset rate
https://younique.alliancebank.com.my/pop_rate.html
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it's been long long time since affin bank adopt the 9.99%.

no promotion is being done for it.
vin_ann
post Feb 3 2009, 10:59 PM

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dammmm....

today received the SURPRISED SMS again from CITIBANK.

" Dear Sir/mdm, we noted that you have purchased an online airticket between Friday-Tuesday. If you have not, pls immediately call Citibank at 03-23834883. "

i tried to call the above number and no 1 is answering and lastly ask to left voice mail.

fed up with it, then called the Citiphone.

the CS checked my account and found it's clear, no transaction is being charged. now can feel RELAX...

this round, the CS un-able to give the reason why got such SMS being sent to my hp.

while previous CS which i called the above number, the CS told me that my hp number's previous owner is Citibank customer, tht's why got such SMS being send to my number. sweat.gif sweat.gif




vin_ann
post Feb 3 2009, 11:35 PM

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QUOTE(linuxskate @ Feb 3 2009, 11:00 PM)
they didnt ask for my acc number or m2u login id. but still im curious.
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likes previous post mention, never give out numbers to other party through phone.
vin_ann
post Feb 5 2009, 12:03 AM

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QUOTE(davidlow7 @ Feb 4 2009, 11:47 PM)
UOB ONE VISA gives 0.3% on all transactions.
BHP Petrol 2%..

anyway, for Giant, Tesco, Carrefour have 2% rebate on the transactions but if not mistaken is subject to min spending of rm100.

HSBC Amanah provides 0.5% rebate to all transactions right?
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you right.

what are you trying to tell us?


vin_ann
post Feb 5 2009, 10:39 PM

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QUOTE(ed0gawa @ Feb 5 2009, 10:26 PM)
considered classic meh?

i vaguely remembered they asking me about gold/classic thing thru the phone.
i said 'watever'

The picture quality is quite good. Oh well, mine was an abstract wallpaper 'cropped' image. So.. how bad can it turn out?
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aiduh... doh.gif

when you applied the card, why still care whether it's classic o gold? you applied bcoz of the design of card, the promotion offered and etc etc...

since ur card is "picutred" did not show sliver or gold to others...

i thinks u shd concern on ur Credit Limits...
vin_ann
post Feb 5 2009, 11:51 PM

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QUOTE(numx @ Feb 5 2009, 11:22 PM)
YOU:NIQUE card is something like co-brand card , no classic,gold or platinum

Apply b4 31st march no charges on the picture card, after 31stmarch Rm38 will be charge into next month statement
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let's waits n see what will happen after 31 march.
now recession, most people will not spend $ just to get the CC, since others is FOC. perhaps, certain target consumer thinks different.

QUOTE(boonsin23 @ Feb 5 2009, 11:27 PM)
bcos i see their min requirement is rm18k p.a. so i guess shd be classic card lo tongue.gif

Added on February 5, 2009, 11:42 pm

but many cards on the market like citi-shell, citi-airasia, rhb-tesco there all have either classic or gold right?
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btw, i thinks the catch of the co-branded card is annual is not waiver-able.... read somewhere last time.
vin_ann
post Feb 8 2009, 02:32 PM

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did any1 got redeem their citibank rewards points b4?
vin_ann
post Feb 13 2009, 11:48 PM

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QUOTE(David83 @ Feb 13 2009, 04:33 PM)
You have the new catalogue already?

user posted image
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i got mine already....

but, nothing i can redeem. just still new with MBB.
vin_ann
post Feb 14 2009, 09:47 AM

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QUOTE(prasys @ Feb 14 2009, 08:52 AM)
I haven't got mine yet. I'll have to wait for it

Any interesting stuff to redeem  ?
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all is not appear interesting stuff to me to redeem, as im only got 1,000 points plus...

nothing can redeem....

cant help u bro.
vin_ann
post Feb 15 2009, 12:53 PM

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QUOTE(RockIron @ Feb 15 2009, 11:42 AM)
No worries, MBB will waived the AF for u.
Just charge ur cc few times a month with regardless amount.(cc must active)
Call their CS before ur AF being charged and not after that. nod.gif
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he is asking about Platinium card waiver...

it's another story and have different requirement to fulfill b4 can waive AF...


vin_ann
post Feb 19 2009, 07:27 PM

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QUOTE(boonsin23 @ Feb 19 2009, 05:25 PM)
finally received my HSBC-Sushi King RM30 Voucher. But I thought I suppose to get 5pcs, but in fact I only received 3pcs only?
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yeah... same here. im also received the voucher...

the voucher got printed my name le....
vin_ann
post Feb 19 2009, 10:05 PM

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QUOTE(boonsin23 @ Feb 19 2009, 09:18 PM)
you got exactly voucher(s) with the numbers you swiped?
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yes. as im only swipe 8 times... and found it hard to swipe more.

btw, on other matter.

past few days, im trying to pay my UK professional fees online using my Direct Access but the transaction is shown: authorisation failure.

called the DA customer service centre, and they said thet got problem with the merchant, tht's why can not process and ask me to try again later.

and today im try again and it's shown the same message. called up again and still give the same excuses, worse, the CS is suggesting to me that to pay my fee manually, by sending my credit card info via email to my professional body in UK...

WTF, who got such time n energy to do so.

fed up with DA, and thinks of my HSBC.

1st time tried HSBC also showing the authorisation fail message. call up HSBC customer service and he is checking for me.

he said the authorisation failed is bcoz im paying to foregin merchant and it's not in their list, that's why it prompt them to reject it. since im called in, it's verified that it's genuine, and he checked with security dept and ask them to authorise my payment.

after 5-10 minutes, i try to pay use my HSBC and it's DONE.

really dissapointed with DA...

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