5x TP only applicable to all MBB Petronas CC holders. Your SCB Saadiq card is a debit card ... please state that clearly in order not to confuse ppl here coz this is a cc thread.

This post has been edited by hye: Jan 6 2009, 12:45 PM

The 7% rebate is correct except that it is a debit card, not a credit card. Let's keep this thread clean shall we ?

Try www.xe.com for updated currency exchange. See the first page of this thread and try to understand the calculations for overseas transactions.

This post has been edited by hye: Jan 6 2009, 07:27 PM

Brother b00n

Just out of curiosity, do you happen to work in a bank or in the financial industry ?

My guess right then.

BTW ... I heard AffinBank's CS is only accessible during normal business hours. They are available 24 hours only for cases where you lost your card and need to block/cancel card. Anyone who holds this card can confirm this information ?

This post has been edited by hye: Jan 6 2009, 11:25 PM

Yeah .. it was very much appreciated. I find it annoying that banks keep their clients credit rating secret even from the owner of the information itself ! At least we are entitled to our own information right ?

I understand the information can be misued but it can also be used to educate the public on credit worthiness. At least they won't be so quick to create a new debt. Just today, my neighbour got into trouble coz his friend defaulted on his housing loan, he knew coz the banks started to get tight on him - finding it out the hard way. At least banks should have the courtesy to tell him that he will be penalised (credit wise) for someone else action (not his fault). He can take action to sort things out with his friend.

It's unfortunate if an innocent party gets penalised. Good action on your part.

Not really .... 99.9 % of the sites will also ask for the expiry date for the card. I believe they will need at least 3 items from the following cc digit, CVV, expiry date and name on card.

Just the 16 digit number ? Unlikely .... but be careful with a little bit of social enginnering tricks, you can be conned to reveal the rest of the information. (e.g The Mastercard/VISA center scam to so called verify your cc)

Just ignore all this cheap tactics by MBF. I too got conned before by MBF and they tell me that it is very difficult to apply for MBF card and once cancel very hard to apply again. I grew out of these tricks these days. If any bank does this to me, the more my urge to cancel the card.

---

Added on January 7, 2009, 6:17 pmIf I'm not mistaken ... it is using your cc to transfer money to another party (within UOB and another cc holder) who is located in Singapore I think. Can't remember whether it applies to another user within Malaysia as well.

This post has been edited by hye: Jan 7 2009, 06:17 PM

Just leave them be lah. Perhaps if they lose enough customers then they will sort themselves out.

What's your question on HSBC Amanah card ? And a monthly fee of RM2700 ????? Please reconfirm bro

Ya lor ... I see that 2,700 number as well. I have no idea what is that all about. Anyone ? If not have to call in CS. If really got that charge then thank god I did not apply for this card.

The latest news from TheStar today. Many have the forummers have spoke about these scams where they call you up and ask details (or pretend) to know details of your card.

Banks should know your details and will never ask your personal info from you. PERIOD Confront the caller if they ask these suspicious information.

TheStar : Do Not Give Credit Card Details To Third Parties

This post has been edited by hye: Jan 8 2009, 08:55 AM

Yes ... only to AMEX Platinum.

Bro ... the image which you just selected ... is not the standard image from the library right ? Share with us the image ... it is cool !


@ Reventon ... seems you are the first one to own the card here ... Congratulations !

This post has been edited by hye: Jan 10 2009, 02:33 PM

Bank got very strict approval criteria. Plus, this ensures card is exclusive.

Depends from bank to bank I guess. I know of a case where the person had unwanted bad record coz he was the guarantor of a friend who defaulted on loans. Loans was cleared and the record amended (but not removed due to BNM 12 months requirement), banks are occasionally asking him why that record exist and want proof that he was cleared.

It's a rebate system. However it is very complicated and need to SMS. (Don't forget to factor the SMS cost as well) I'd prefer if the rebate system is unconditional and would be rebated back to the cc user without needing additional intervention.

I think Citibank quality of service has dropped over the years. I can't remember they were this bad a few years back. (My personal opinion) Malaysian cc customer base too big, Citibank in US in deep s*** and huge job cuts - a good combo for declining quality of service. Other foreign banks in Malaysia have overtaken Citibank and are better @ making their customers happy.

The one which looks like the World MC would be cool or you have suggestions ?

Sure you want to hold this card ? I have no confidence in this bank's ability to provide good CS. Everything is so slow in this bank.

Bro cHipoLatas

GHz mentioned about a 10% rebate for the conventional HSBC plat, is there such a thing ? I've used the card, CS is good and I have no complaints about them. The only thing is that card priviledges are very standard. For example, overseas and local use will get RM1=1 point. Other banks are already offering between 2x-5x points for overseas spending for the plat customers.

Of course the Amanah card provides 1.0% rebates on overseas spending but you don't get any points at all. To simplify it, It's one or the other, HSBC don't give out both points and rebates on their cc products. Some of the newer cc products have both you see.

---

Added on January 11, 2009, 8:19 amBro Reventon is right. If a bank rejects you (or if you are unhappy with a particular bank), dont bother if you know you can qualify elsewhere. Move on.

This post has been edited by hye: Jan 11 2009, 08:19 AM