How can I differenciate whether the 3rd party service is not a scam?

Sorry, my bad. what i mean is which CC offer the best cash rebate for groceries. I know UOB one card offer 0.3% for general groceries other than those specific mentioend like Tesco, BP and etc. HSBC Amanah offer 0.5% for all other retail transaction. I just wonder, is there any other CC offer something higher than 0.5% for general groceries?

wasn't Maybank giving 5% (10% on Tuesdays) at Carrefour? Even if you know what kind of cash back you want, you're most likely limited to one particular brand of supermarket to go to. Tesco also has a similar promotion but I don't know which cc is applicable for the cash back.

Another cc that I would not want to touch with a ten foot pole would be AM's. Terrible experience.

1. Bought a big ticket item and reaches end of credit limit.
2. Immediately deposited the full CASH amount for the item into CC.
3. Called up to same evening to confirm CASH received. They told me I have full credit again.

Went on holiday next day. Card rejected everywhere and almost have to sleep on the street because hotel wouldn't accept. Called up AM and they say even though cash received, their system needed a few day to update so meanwhile....too bad....there is nothing they can do. Sleep on the street if you have to.

This post has been edited by Optiplex330: Dec 3 2008, 11:57 AM

Optiplex330,

Wow, that's bad and slow system. I encounter several times your scenario, but I'm using MBB CC and no problem with it.

E.g.
At overseas hotel, online inside hotel room before checkout and check CC CL balance.
CL: 10k, used up 8k
Immediate online Maybank2u 5k cash payment, used-up available become 8k-5k=3k
Pack up, go down and check out hotel. Swipe 4k immediate, used up 3k+4k=7k

In all fairness, my terrible experience was before Internet and online becomes common.

But there is still no reason why they told me the evening before I went on holiday that I have full credit available. Available means USABLE and it is certainly NOT. To make matter worst, it was Christmas eve! And in a resort hotel far far away from town to be able to use ATM to withdraw money. Now you can understand why I would never ever use their card again.

But the lesson taught me 1 thing. Never leave home with just 1 card or cards from the same bank. Nowadays, it's at least 2 cards from different bank and different operator (Visa and MC). Who knows, may be Visa computer could be down and MC running or vice versa?

This post has been edited by Optiplex330: Dec 3 2008, 12:33 PM

Alliance bank. Up to 1.5% tier rate.

Sorry to hear about your experience. I ran close into your problem before where the bank refuse to increase my CL temporarily. My CL nearly maxed out when I checked out and thank god I did not run out of it or I would have been in deep trouble. (5 figure bill mind you) This is a kind of trouble you don't want to have when you are travelling.

I got back home and called the bank and they told me - they can't help me to temp increase my limit and need to justify and need extra docs bla bla bla. I got upset coz I have been a good paymaster and use the card a lot. Next ... I pay for the whole thing and cancel the card.

The card was UOB. Not necessarily foreign bank will give good service.

This post has been edited by hye: Dec 3 2008, 02:15 PM

at least now the cash deposits are immediate unless it was made through another bank's ATM, which would take 2-3 days to appear on your account.

Really, UOB service is not good? I just received my preferred platinum CC but still not activated yet. Since the service is really bad then I should I cancel them?

That's not good experience and thanks for sharing this experience of yours. I only have 1 credit card and 1 debit card (both issued by Public Bank). I want to use the debit card... only if the credit card fail for some reason and if the merchant's machine is acting up. I realized now (after reading your post), that it's better to have a backup credit card. I think I'll drop by to CIMB or Citibank today to FD for another credit card.

Yeap, encounter that before. Amex credit card down, Visa CC can swipe. Both CC from MBB.

Since you already got your card then maybe you want to try it out first. Some folks here speak well about one bank but another may have a bad experience.

If you ask me, UOB not much priviledges and the current preferred platinum product has this no-preset limit thing. (Plus now some of the forummers reported that they charge RM50 for cancelling the card. I don't support this fee/bank since no other banks does.) If you realise this is more or less to offset their CL upgrade inflexibility problem.

It is entirely up to you actually whether you want to use it. Except for the bad experience related to my CL incident, they are quite OK. It is just that I travel quite a bit and I need flexibility on my credit limit. Oh yes, I always practice carrying 2 cards from different banks where ever I go. I think you should be well experienced yourself to decide which card suits you and which one don't.

To cancel card also need to pay. That is really bad.

I think better I cancel it. Just pretend that I do not received the card & it lost during posting. haha

Your experience aren't as bad as mine with EON on similar issue.

EON wanted to give me Gold or Platinum (couldn't remember) and I instead insisted on a plain Classic with lowest possible limit of RM3K. Because I am using that card for mainly online purchases and that limits my liability to RM3K should fraud occurs.

One time, I needed to temporary increase the limit. EON asked for lots of documents and I complied and they came back with an increase of RM1K. I told them to f*#k off.

But I still have that card because it's a VISA and very easy to qualify free card. If I could find another VISA with similar condition, I will get rid of the EON.

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Added on December 3, 2008, 3:53 pmMy cash deposit was done at their OWN bank branch and over the counter. So no reason whatsoever for the delay in updating. Oh....they said it takes 7 days to update. When I complained like hell, they did it in about 2 days but then, the damage was done.

This post has been edited by Optiplex330: Dec 3 2008, 03:54 PM

Hi guys,
i'm planning to apply a gold credit card, anyone got any idea which card is better???
(i wan that card with maximum feature n minimum charges......^^)

thanx for ur opinion

woohoo... just called up standardchartered, they said my batman card has just been approved.... woohoo my 2nd malaysia issued credit card after my closed to one year usage of hsbc malaysia credit card

why you dun know? website, internet is always there for you to explorer.

i got my 10% cash back, set off my CC account at the statement date.

btw, what are you trying to express in your post?

This post has been edited by vin_ann: Dec 3 2008, 10:15 PM

I was just answering SkyBlue's question on which card give rebate on groceries. Lazy to surf all the supermarket websites just to answer his question. Just say what I know la...

your 10% cash back...got conditions rite? I think you should clarify the conditions. For example - minimum purchase, only on 'what day', which supermarket, etc

i wanan apply sony maybankcard.. but i'm lazy to go branch fill in forms..

kenot like.. some agent call me.. then can get d? hahaha i have been using cimb credit card for 2 years d....