Well ... terapox is back ! The 2 VIP's is now back !

Terapox ... if you ask me, the credit card scene is rather boring these days. I see only the MPower (HSBC) and the Ikwan (MBB) are the new entrant. All others are just old products.

I don't fancy this card too much coz not only they will charge you RM2 but the reload happens when it is below RM50. I translate that as you actually have only RM50 in your card. (Assuming you load up RM100)

In the old days, the auto reload happens when you hit RM0 but I guess TNG had a problem when there is a gap between reloading the card and charging the person acct. You see you could have cancelled your cc but the reload still happens. A better solution would be to lower the reload limit so I don't feel cheated.

This post has been edited by hye: Dec 17 2008, 06:25 AM

I suggest you to forget this card and apply for another bank's credit card. CC market very competitive these days, if a bank play hard ball then you can always go to another bank. If you already qualify for a Platinum card then you should have no problems applying anywhere.

---

Added on December 17, 2008, 9:29 pmFuel prices have dropped quite a bit these days, my prediction is that you won't see this promotion being extended beyond end 2008.

---

Added on December 17, 2008, 9:33 pmNext time just don't entertain them. That's what I do all the time. If you listen properly, they have a way to end the sentence and trap you to say yes. Say clearly that you do not want this product and just end the call. I find many telemarketeers resort to unscrupluous tactics these days.

This post has been edited by hye: Dec 17 2008, 09:33 PM

Just to add, that's why most of the veterans cc users don't put the free gifts upon signup as a priority in choosing a credit card. Always use the level of CS efficiency and what you ultimately want from the card (e.g Petrol rebates - DA MC card, points MBB cards or AMEX cc and the list goes on) as the deciding factor.

Hahaha .... to think I was approached by their agents @ Robinsons last weekend. The ease of getting this card makes it less attractive to me. Besides the alarm bell rings when one of the selling point of the agent was - "If you don't like it then just don't activate the card when you get it. After 3 months then it will auto cancel by the bank". Most of the benefits are linked to Robinsons and it make sense if you always shop there. In the entire year, I can count the number of times I went there.

No thanks, I'll pass.

A very straight forward NO. They don't work that way.

---

Added on December 17, 2008, 10:53 pmYou remind us of another active forummer here.

This post has been edited by hye: Dec 17 2008, 10:53 PM

In most cases yes. If it is easy to get then no longer have exclusivity plus often platinum cards have high CLs. Wouldn't make sense for the bank to encourage you to spend and then spend a lifetime paying back wouldn't it ?

Well .. you can try to pump in a few bucks @ a non-shell station and that will give you the confirmation whether your card is damaged or not.

---

Added on December 18, 2008, 11:51 amAre you sure ? HSBC promos should apply to all HSBC card holders irrespective of their card sub-brands. If got difference also maybe because you are Classic/Gold/Platinum card user.

This post has been edited by hye: Dec 18 2008, 11:51 AM

It is common for them to copy the front and back copy of your cc. But you should have taken steps to "black out" the CVV. An ethical agent would have done this for you but you should have double checked this. If I ever come across such agent, I will immediately cancel whatever this fella trying to sell and walk away.

Better they scold you than you get screwed later by fraud.

Yes ... pen also can. Next time be more careful k?

You are talking about which particular card ? There are many cards with cash back and mine does not have your 2% thing. Be more precise and don't assume people know what you are talking about if you want ppl to help you.

BTW ... FYI Real Rewards will no longer be accepted to accumulate points @ Petronas effective 1 Jan 2009

Simple answer ... MISERABLE. Comparatively I can get 7% rebates on all petrol. Unfortunately this product is a debit card so I will stop here.

---

Added on December 20, 2008, 12:38 amWell it is not that easy to fraud cc actually and the mechanisms will side to the unsuspecting consumer if it was a genuine fraud case. Just put it this way ... crossing is one thing but if you are not satisfied, just do it yourself or take back all the application forms, photostat copy and walk away. I'm sure the next time around that agent will remember to be careful coz he/she can't risk another encountering another crazy customer.

---

Added on December 20, 2008, 12:47 amDo you really think it is that easy to apply for platinum ? All platinum card holders will still be subjected to credit evaluation with the bank. Don't be fooled with so called "Platinum" cards with low credit limit - to me it should be a CL of nothing less than RM30K to be a worthwhile mention. If got such "product" I will avoid it coz I would want to hold some prestige and value with the card.

Like everyone says ... if one day you can earn it, you will. No need to compare with others. I started the hard way - all the way from a classic/silver card owner to whatever I am holding right now. I am also proud I did it that way coz I learned to appreciate the power and convenience of a credit card.


This post has been edited by hye: Dec 20 2008, 12:47 AM

Yes ... possible. Call up CS. However sometimes they may refuse to do it. Good luck!

I seriously don't know either man! Card priviledge seems to be normal as per many other bank's offerings (or even less), nothing outstanding.

Anyway, my new long term target would be the CIMB, DA, MBF World Mastercard offerings. (I read about MBF World MC in TheStar newspaper today) Need to work harder to deserve those card.

This post has been edited by hye: Dec 20 2008, 06:48 PM

I'm slightly skeptical about this info. Confirm MBF CL comes (and approved by) AMBank. They used to control everything until only recently where MBF is able to assign (and control) of the CL they assigned to one of their product line.

Frankly I have tried both product from both banks and I do not have a good impression. Hopefully MBF's World Mastercard product is of worth both from the CS standpoint and product package. I'm curious what are their offering coz no official info exist yet.

This post has been edited by hye: Dec 21 2008, 02:35 AM

Can meh use credit card in 7-11? Even if yes, should not have extra charge.

I'm using Rainlender to manage all my schedules. It syncs with my Outlook and mobile.

No such offering from MBB.

It is up to the MBB merchants if they want to offer 0% installment plan for their products. There is no such thing where the consumer converts their purchases to easy installments using their MBB cards.