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 Credit Card Thread V5, (added FMB website to 1st post)

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he-sham
post Nov 9 2008, 05:22 AM

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i tried to book airasia ticket online using my maybank petronas visa cc.... the card was declined by the system.... dont know what's wrong...

then i tried bank islam mastercard.....also cannot..

finally, i tried my citibank shell visa cc... accepted....very smooth....

why haa?? is there any other authorization or security features that i must enable before performing online transaction with maybank petronas visa cc & bank islam mastercard ??
he-sham
post Nov 11 2008, 10:40 AM

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when Shell Citibank CC usually credit the rebates (fuel+retail) ??
i dont see any rebates in my statement ??

This post has been edited by he-sham: Nov 11 2008, 10:40 AM
he-sham
post Nov 26 2008, 12:40 PM

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I applied for Public Bank Visa Gold...i submit my payslips & epf statement...
» Click to show Spoiler - click again to hide... «


my annual income (basic only) is rm27600....

but the bank rejected it with no reason.... although approval subject to their sole discretion, but put in the advertisement requirement so low with minimum documents.... if like this dont bother to promote your product la...
he-sham
post Nov 26 2008, 02:10 PM

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QUOTE(cute_boboi @ Nov 26 2008, 12:56 PM)
It is most likely due to other reasons like CCRIS, CTOS, call home/office to verify, etc.
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what are CCRIS & CTOS ??
he-sham
post Jan 19 2009, 12:41 PM

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last week first time tried to use my EONbank matta gold to the free complimentary entry of klia plaza premium lounge...located at the satellite building...they have massage chair,foods, beverages (alcoholic also got), internet pc and magazines... very good relaxing place after 12 hours of flight from Frankfurt...quite good facility la...current promotional entrance fee i think about rm88...

by the way, any agent for Public bank credit card ??...i applied online several times but rejected each time...dont know why...any agent can help me ??

This post has been edited by he-sham: Jan 19 2009, 12:43 PM
he-sham
post Jan 19 2009, 02:16 PM

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QUOTE(RockIron @ Jan 19 2009, 01:20 PM)
Hi,
Hmmm.... Same case happen to me no matter I apply on line or at their brach.
Rejected no matter what documents I submitted. doh.gif
After few times rejection,I complaint to 1 of the branch manager and get some info from him regarding PBB cc.
They hav an internal criteria which a person who already hold cc for more than 6 issuers they will declined ur application. Due to holding too many cc. I dun know if it is true but I think it should be the reason my application rejected. rclxub.gif

The branch manager promised will forward my case to the head of card centre for appeal but not guaranteed approval. Hope to get his reply soon.

Anyone got idea or can help for PBB cc??? notworthy.gif I'll buy best dinner if anyone can help!!! notworthy.gif
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huhu..last time i applied PBB credit card, i hold 5 cc (5 issuers) & i was rejected also...
but now my new hsbc amanah gold just been approved....so, is that mean my chance of getting PBB cc now even lesser ?

This post has been edited by he-sham: Jan 19 2009, 02:16 PM
he-sham
post Jan 19 2009, 05:45 PM

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QUOTE(RockIron @ Jan 19 2009, 05:04 PM)
Hi prasys,
Yup I agreed with u. PBB is very strict in issuing cc, get this info from a lot of people.
They hav rights to reject the application although the person are qualify for it. shakehead.gif

Added on January 19, 2009, 5:16 pm

Hi cute boboi,
I submitted my HSBC Visa plat(member since 2004),Maybank Visa plat(member since 2002),Citibank MC plat(member since 2005). All of them single CL very close to 6 digit. I attached all my cc statements as well.
Heavy usage, never late payment and fully paid every month.
Still they denied my application...... cry.gif

Perhaps I m not the type of customer PBB like????? rclxub.gif
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rclxub.gif

looking at your case, looklike i'm long long way from getting a cc from PBB......huhu...

but why they put the requirement so low ??? haihh PBB....stupid marketing strategy la....if like that dont bother to promote your card la or just put "our cc application only by invitation".....wasting time people to apply...
he-sham
post Jan 30 2009, 03:47 PM

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any agent want to assist me to apply for YouNique Alliance Bank ??..
lazy want to go to bank....or anyone know if they have any booth promoting their cards ??

This post has been edited by he-sham: Jan 30 2009, 03:49 PM
he-sham
post Feb 3 2009, 05:43 PM

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QUOTE(eric84cool @ Feb 3 2009, 12:33 PM)
DA doesn't seems to attract and offers lotsa of privilege compared to citibank and HSBC.....whoever hold the DA??what's the benefit you got other than having free for life....??
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10% discount for Tony Roma's anytime...last day of the month at Tony Roma's can get 15% rebate...

DA also get 10% rebate for KFC every first day of the month...

i wish in the future they can give 10% rebate for kfc anytime...... finger lickin good...hehe drool.gif


he-sham
post Feb 12 2009, 02:08 AM

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QUOTE(Maxd38 @ Feb 11 2009, 04:18 PM)
I went to HSBC Bank, u r right...
those 2 r separate entity...
MPower got 0.5% cash rebate, 1st yr annual fee waived...
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no points haa for hsbc amanah mpower???

i've spent at starbucks (10 x rewards point) & watson (5 x rewards points) no use la like that... cry.gif
he-sham
post Feb 14 2009, 01:38 AM

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now to redeem petronas voucher rm50 (rm10 x 5) from maybank treatpoints need 11000 points....is it normal?? coz if i'm not mistaken last time i saw only 9000 is enough to redeem rm50 petronas voucher...
he-sham
post Feb 16 2009, 10:18 AM

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QUOTE(David83 @ Feb 16 2009, 09:03 AM)
Ministry feels interest rate reduction not good enough

URL: http://thestar.com.my/news/story.asp?file=...6010&sec=nation
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ya ya....give us better rate !! even though i'm always pay in full...
so it can push down the interest rate for personal loan..... hehe
he-sham
post Feb 23 2009, 02:04 PM

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starting from next month CIMB DA will charge 1% for oversea transaction.... sad.gif

i wonder now which c.card company not imply any charge on oversea transaction...
he-sham
post Feb 23 2009, 02:21 PM

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QUOTE(tgeoklin @ Feb 23 2009, 02:14 PM)
RHB & UOB
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i always have bad luck in applying RHB & UOB cc.... try to apply several times for both banks but got rejected everytime...at least i got their freegift.. whistling.gif
he-sham
post Feb 23 2009, 03:00 PM

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QUOTE(tgeoklin @ Feb 23 2009, 02:32 PM)
In theory all islamic should also not have such charges but I could be wrong. Do check them out. Cheers tongue.gif
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actually i also dont know how they charge it....last time i used my citibank,ambank,bankislam & DA card in uk,france & germany, all i can see in the statement are direct exchange rate...of course different bank different rate but where they put the 1% charge i dont know....

from the exchange rate, i can say DA (master) is the best (low rate)....bank islam 2nd (master)...ambank 3rd (master)......citibank 4th (visa)....but it also depend on exchange rate at the day of transaction right...
he-sham
post Feb 27 2009, 01:11 AM

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QUOTE(gecodine @ Feb 27 2009, 12:51 AM)
for DA CC, i am still not undrerstand how's the interest free rate works?

Ok, lets say, my outstanding balance 100 as per current statement on 24th February, i pay full amount on the last day before due date on 13th March, do my transaction  on lets say 3rd March count as interest free rate?

Interest free rate is 20days period after the statement date or after the due date?

How bout if interest free rate is 20days after statement date.. and after 14th March i'm still not paying the transaction i made on 3rd March just now, do its still count an interest?
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20 interest free date is from the date of statement (provide u settled full amount of the previous month statement, in your case, your 24 Jan statement settle in full 20 days after 24 Jan), then only u can enjoy 20 days interest free of your 24 Feb statement....

your 3rd march transaction will be imposed interest if your 24 Jan statement not pay in full...if otherwise, it will be interest free as 3rd of march is within that 20 days interest free period...

correct me if i'm wrong...
he-sham
post Feb 27 2009, 04:41 PM

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So, its approaching march now...any CC from any specific bank offers real bargain privileges ??

i've been receiving their privileges update for 2009 (some of the privileges only from Jan to March 2009) from my recent statements.... i can say from my c.c (citibank,cimbDA,ambank,eonbank,hsbc,bankislam,maybank) all not much "real bargain" la on their updated privilege catalog....especially on dining and travel....i want to know how about UOB,Publicbank,standchart,MBFcard,ocbc privileges update... pls share any real bargain privileges from your card so that we can make full use of our card....
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