*Rant* - Ive applied 2 times for the Citibank Air Asia card via the email link sent to me (free bag). To date no has bothered to follow up call with me. Well once I was busy and asked them to call me at a different time..

I thought these CC card people were dying for business.

call the cs until kl?? walao they din gv the statement den we need 2 call them.. sad la.. i still haven got my statement.. My fren say if the charge me outstanding den go argue with them wor..

No charge will be incurred by you when you load funds into your PayPal via cc. (Make sure you are using a verified credit card for the purpose. Login into PayPal and get your cc verified) However the fund recipient will be charged by PayPal.

Hi guys Im planning to get a Maybank credit card. Ive visited their website and here are the choices:

Maybank Flex... the main page show annual fee is free but after click on more details it show need to pay annual fee under the annual fee section. So is it free or not?

Maybankard Visa Classic, needs annual fee... is it waivable?

Anyone have any idea the credit limit for those cards?

I've been using paypal for quite sometime..

Basically, I believe we can send money direct to another paypal account, i think all of u agree.. given that u have sufficient balance account in the account, or you have the cc to be charged with the transferred amount.. But to directly send money to a bank account, for Malaysia's case, it is not possible at the moment..

But i tried once transfer using moneybookers.. As matter of fact, I was experimenting it at that point of time.. I add fund into my moneybookers acc using my cc, and then transfer it to my bank account.. but in total it cost me more than RM50 just to experiment this process for an amount of RM5++ (dun quite remember, coz it was 7-8 months way back)..

Maybe some of you has different story.. Care to share?

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Added on November 20, 2008, 1:05 pmIst really possible to load funds via cc? I.e to have a balance in the account by funding it via cc..?? The only thing i know, its kinda dual transaction, we buy somtin using paypal (subscriptions, ebook or somtin), then paypal will charge ur cc (fund the account to pay for the purchase).. Correct me if i missed somtin here..

This post has been edited by fikrie: Nov 20 2008, 01:05 PM

i saw this in paypal...

** If your transaction involves a currency conversion, it will be completed at a retail foreign exchange rate determined by PayPal, which is adjusted regularly based on market conditions. This exchange rate includes a 2.5% spread above the wholesale exchange rate at which PayPal obtains foreign currency, and the spread is retained by PayPal. The specific exchange rate that applies to your multiple currency transaction will be displayed at the time of the transaction.

** Personal accounts may not receive payments funded by credit card, debit card or Buyer Credit for eBay or eBay Express transactions without upgrading to Premier or Business accounts.

This post has been edited by Asus: Nov 20 2008, 02:21 PM

meant for ebay..
i hav a premier account, bought n sold few items on international ebay..

yes i want to sent money to an ebay seller but he only holds personal account...so i cant sent the money to him is it?

yup, thats true..

He'll be asked to upgrade his account to premier if he's to accept the money, if i'm not mistaken la..

btw, this is CC thread.. maybe u can find another specific thread for paypal in LYN..

Sorry guys, we both might juz a little bit out of original topic here..

This post has been edited by fikrie: Nov 20 2008, 03:06 PM

Want to get 1 American Express Card since last week,after thinking i would like to take a Credit Card instead of Charge Card to speed up my point earning.

There are 2 choices for Maybank AMEX Credit Card
1) Ikhwan Maybank AMEX
2) Maybankard Classic AMEX Card

Want to know more about the Maybankard Classic AMEX Card.

For the Treatpoint earning, is that 2x for Maybankard Classic AMEX Card?

Thanks

Yes, 2x TP for MBB Amex Credit Card for all purchases, including at petrol station (any brand, Petronas, Shell, Mobil/Esso, etc.)

The only difference I see between spending with Amex Charge and Credit card are:
1) Both has 2x TP forever. However, Charge card need to pay RM25 every year for the so called 2x turbo points. Credit card in default is free for 2x points collection.
2) Credit limit - so called higher/unlimited credit limit for Charge card
3) Recognition - my opinion is only recognisable outsite M'sia. But so far I have to problem swiping MBB Amex Credit card overseas. Definitely no problem swiping it inside M'sia, if to compare between Amex Charge or Credit.

For the two MBB Amex Credit card you list above, it is same to me to use/spend, only different 'packaging'.

anyone have any idea of how this work ? = CIMB BANK_Card Protection Premier (CPP) ,recently keep received call to askin me purchase this kind

of product. besides cimb bank, citibank did keep callin me to offer somekind of insurance.


OMG, i was dizzy about those product and the way they chasing me to subcribe.

This post has been edited by yks8845: Nov 20 2008, 04:18 PM

Thanks Cuteboboi, you answered most of my doubt.

Actually just decided to get the AMEX Ikhwan, but afraid of something is can't buy by using it. (Wine, Pork, Gamble, perhaps i not meant to, but i m afraid 1 day if i m out of cash and need to buy it, then it will be my worst nightmare)

Thanks for the answer, i try to apply for Maybankard Classic Credit Card now

You are welcomed. My experience using MBB Amex Credit Card for >2 years:
1) No problem swipe local or overseas at all (Asean & Europe), as long as they accept Amex
2) Sometimes local shops have problem swipe/approval MBB Amex Credit card, but no problem with MBB Visa/Mastercard.
3) No issue with credit limit, as it is more than enough to use.
4) CL is combined with other MBB Visa/Mastercard. MBB Amex Charge Card CL is separate though.
5) Recognition/status/class/etc - I don't care, as long as can swipe and collect MORE points than normal.
6) Benefits - not much. I seldom use for promotion or airport lounge or etc. I don't like to hang around airport for too long. 1-2 hours for shopping/walk around/wash eyes

Coming back to Ikhwan/basic Amex credit card, I read above posting Ikhwan is rebate % ? Do a simple calculation, nowadays MBB TP 8500 = RM50 voucher, which means need to spend 8500/2 = RM4,250 to get RM50 voucher.

If Ikhwan is 2% rebate, spend RM4,250 x 2% = RM85 !!! More worth it.

To make things complicated a bit , my MBB Petronas is 5x TP, which is 8500/5 = RM1,700 to get RM50 voucher.
If Ikhwan rebate 2% @RM1,700 = RM34 only. Means more worthwhile to use MBB Petronas CC at Petronas station, rather than MBB Amex.

BTW, your signature is Hong Leong Bank CC application ?

Ikhwan got 2% rebate? Rebate on what? I didn't hear such thing also even though I have Ikhwan AMEX with me.

What's the rebate/rewards with Ikhwan ? Just plain 2x TP ?

To my knowledge, it's just 2x TP.

Get a chance to win this BMW X6 with every RM100 spend in a single receipt on your American Express Card. Plus, you continue to get 2x points for every Ringgit spent.

To apply for an American Express card, call 03-2295 8877 and get up to 50 instant entries to win this BMW X6 upon approval.

Promotion period is from 1 November 2008 till 30 April 2009. Offer is not applicable for Corporate card.

URL: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

nowadays people did not go for the MBB Visa Classic instead go for islamic card like david83 having 1, or Maybank Petronas CC which is Free for life.

but if u insist wan Visa Classic, the annual fee is waivable if u swipe 2 times per months that was my last heard requirement, now im not sure.


if u thinks u need then get it.

it's protect you from paying outstanding balance when u are facing accident cause loss of income or whatever.

it's go by outstanding balance, example : for every RM100 outstanding charge some % as premium.

Hi guys,

I'm going to apply my 1st ever credit card in my life & I need yours advices to assist me in deciding which bank's CC i should apply. My criteria goes like this: low or nil annual fee, great customer service, near to my residential area so that easy payment to outstanding balance can be made, no hassle on internet transaction e.g. Amazon, paypal, etc and of course smooth transaction during international travelling.

My colleagues suggested me to apply for HSBC, any good? I'm also thinking of Public Bank as it's very near to my house, any good? Another question is that HSBC asks for Form J/EA, what exactly is that? Is it really compulsory? What if I don't have such applications? Sorry if it sound noobish because I just started my work barely a month.