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Credit Card Thread V5, (added FMB website to 1st post)
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bluffy83
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Dec 18 2008, 03:39 PM
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today i go to CIMB to open some indda an investment account.. Quite something because my IC cant be read and they ask my driving licence (although it already expired) still ok for me though.. FINALLY they ask my credit card to comfirm the process.
the problem is they copy it and thats AUTOMATICLY include my security number! thats mean they can use my CC to do online transaction right? i feel so shame like being totally rape at public now!
is it posible they do this to me! can someonle clarify this please!
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bluffy83
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Dec 18 2008, 04:22 PM
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QUOTE(hye @ Dec 18 2008, 03:57 PM) 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. so hye.. is if posible to us to use permanent marker to "black out" this number on our card?
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bluffy83
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Dec 18 2008, 04:50 PM
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haiishh.. so what should i do now?
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bluffy83
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Dec 22 2008, 09:40 AM
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Credit card Newbie here,
I still dont know when should I use my credit card. Just one question here guys. If i use it at shop like Seven Eleven, Mc Donald, KFC, Petrol Station and Cinema, let say the price for my cigar is RM 6.80, is it the actual amount i must pay if i using my credit card? Dont have any HIDDEN or Extra charge meh? Just afraid Rm 6.80 will hike to something I cant afford.
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bluffy83
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Dec 22 2008, 10:33 AM
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hurrmmm... how about 24 hours outlet like Seven Eleven? do they apply merchant charge?
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bluffy83
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Dec 22 2008, 02:11 PM
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Uoh.. actually i dont know about that hye.. Hehe.. Just curious because i dont know when i can use my CC. I hope i can use it when i buy my cigar.
Anyway, Sony Centre at Sabah dont accept my card looll! Using CIMB Petronas now. Hurmm.. Should I apply a new CC from maybank? Maybank Sony Card should be ok right.. the problem is my salary just 2.4k only.. Dont think they will accept it. the requirement is 30k. What the heck!
what do u guys think? with 2.4k per month can i get this Card? haiyaa why they cant accept CIMB uooh. It still a Bank what!
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bluffy83
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Dec 28 2008, 03:33 AM
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Another Noob question guys!
i already swap mi cimb CC twice.. so where should i pay my debt? using atm or directly go to counter? Just feel so weird with so many card ih hand now.. can use atm to pay credit card meh? what card should i use then? my CC card or my atm card? CC card got pin number meh? aiiii...
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bluffy83
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Dec 29 2008, 04:05 PM
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Another Noob question here guys,
Ok, Finally i already have my cimb click. Like I mention before.. I already swap my CC twice. I got the bill and I know how many debt I have now. But I cant find this CC debt at any CIMB click website. So how should I pay this. Just pay the amount to my CC meh? i got this CIMB bank account. I prefer to just pay it through my bank account. The problem is I dont know how much I should pay. Seems unusual to me. Is it always like this for CC debt. They not mention how much we should pay?
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bluffy83
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Dec 29 2008, 09:07 PM
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QUOTE(babymiki @ Dec 29 2008, 05:32 PM) There's always an amount stated in the bill you received right? Or is that a composite statement? Only giving summary of all the accounts you have with CIMB? Are you also refering to the autopay facility? Added on December 29, 2008, 5:32 pmI think you need to submit income documents what i really mean babymiki.. is it CIMB Click show us how much CC debt we already own the bank. Yeah i got the bill from merchant.. but let say i lost the bill.. how can i pay my debt without knowing how much is it? Can someone help me please?
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bluffy83
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Dec 29 2008, 09:44 PM
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hurrmm.. ok i have this 2 card from CIMB.. One for ATM use (bank account) and another one Mastercard CC. which one should i register with CIMB Click?
for now i already have an ATM card register for cimb click.. but i cant find anything related to my CC bill statement..
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bluffy83
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Dec 30 2008, 03:33 AM
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QUOTE(Asus @ Dec 29 2008, 11:58 PM) same goes to me...i register my clicks using the ATM card...i can find my direct access cc in the clicks together with my normal account...after login u go to hmm account status if im not mistaken on the left there and it will display your normal account for cimb then u click the account summary then only it will display your normal cimb account and your credit card account...then click the credit card account to see your cc transaction... Finally I get it.. hehe.. need to click on CIMB CC account.. I thought it just state my CC acount.. thanks Asus & Chandler anyway it seems weird now.. outstanding balance means what? our debt that we must pay meh?! I got my CC this month and I just swap my cc twice.. the amount should be RM515.2, but my outstanding balance show me RM1103.2 ! is it normal? use it for Karaoke and Hotel only. I have a question guys about using a CC at hotel. I am usually use cash. Pay for deposit first and then after check out they will give us the money back right. How about CC then?
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bluffy83
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Dec 30 2008, 09:08 AM
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Dear Hye,
Thanks bro. Its like habit u know, I rarely read something like T&C or anything full with unfamilliar word. My bad then. And my CIMBClicks still dont state my transactions. My first transaction should be on 21 December. How long it will appear in CIMBClicks?
ps: Huh, Playstation 3 user ah. Where u buy it Hye? Sony Centre accept Mastercard meh?
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bluffy83
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Dec 30 2008, 03:57 PM
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I am glad to be ur second wife, awaynoway ~shy shy~
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bluffy83
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Dec 31 2008, 11:31 AM
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QUOTE(David83 @ Dec 31 2008, 11:02 AM) TP promotion with Sony Card. 10x TP till 31 January 2009. It's good if you're big fan of Sony products. I believe his MBB Visa is either MBB Visa Wave (black colour background). Most of MBB Visa cards are equipped with Visa Wave or Visa Paywave. MBB Sony Card do have Annual Fee right? Just want to comfirm this.. I got 2 friends wtih this card, 1 said it can be waived if u swap it 12 times and 1 said we must pay the annual fee, MBB dammmn strict u know, better apply Public Bank Visa. I check their website and it state there we must pay the Annual Fee. Anybody here have experienced for Sony Card waiver?
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bluffy83
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Jan 7 2009, 01:10 AM
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Just one question Guru's
can someone do an online transaction just by using our 16 digit number in front of our card? i mean without our security number. Is it possible?
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bluffy83
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Feb 2 2009, 01:53 AM
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I hope MBB Sonycard will be free for life too.. haiiiiiizzz.. what a nice design and benefit iy got.. I already got my mastercard.. need to apply another one for Visa.. what THE BEST CARD i can get out there guys.. salary around 2.5k.. but my basic only 1.2k.. I working with Government.. try to apply citibank card but they reject me due my low basic salary.. haiyaaa..
This post has been edited by bluffy83: Feb 2 2009, 01:54 AM
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bluffy83
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Feb 3 2009, 09:12 AM
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Alliance bank You:unique card lo.. 2 % rebate at all outlet including petrol station.. Nice huh!
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bluffy83
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Feb 3 2009, 11:17 AM
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Can someone clarify this for me.. Read this on Shell Bonus Link website. Any MBF card can be use together with Shell Bonus Link meh?
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bluffy83
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Feb 5 2009, 05:31 PM
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QUOTE(pingping86 @ Feb 5 2009, 03:37 PM) Just got my alliance younique card this morning... I just found that if i choose the picture to print on the card need a RM38 fee... I got 1 question... Does the you;nique card have classic or gold card..??? If got, how do we realise..??? If u apply within their promotion period RM 38 fee for picture on ur card should be waive.. PLUS 3 years annual fee waive and first 3 month free interest. Check at thier website.. cant remember where I read this
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bluffy83
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Feb 6 2009, 06:10 PM
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QUOTE(pingping86 @ Feb 6 2009, 03:07 PM) if i sub card to my gf for the you nique card... Is the sub card picture same as mine or she can design herself??? thats what we call L.O.V.E.  Of course she can desigh for herself.. Its Unique right?
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