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

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shockk
post Nov 14 2008, 03:39 PM

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Just wondering if any of you can help. What is the difference between the HSBC Amanah M-Power Credit Card and the normal HSBC credit card? I heard the HSBC Amanah one is like an Islamic-Banking card. Is there any effect from using it or any terms? I can't find any info of this on their website since it is not updated yet.
Thanks notworthy.gif
shockk
post Nov 14 2008, 04:11 PM

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QUOTE(MilesAndMore @ Nov 14 2008, 04:05 PM)
It is pretty much the same. You will get point for the normal HSBC credit card. As for the HSBC Amanah MPower Credit Card-i, you'll get 0.5% cash back instead.
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I see. Thanks for the info. mate. notworthy.gif

But regards to the Islamic Banking part, is there any limitation to customers or non-Muslims? I'm applying for the HSBC card and they asked me to take the MPower because it's newer. sweat.gif
shockk
post Nov 15 2008, 01:30 AM

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QUOTE(David83 @ Nov 14 2008, 11:33 PM)
What kind of limitation?

I'm holding a Islamic based credit card.
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I'm not sure. Maybe like not being able to use the card in non-halal places?
Since Islamic banking does require to follow Shariah laws.

QUOTE(Seng_Kiat @ Nov 15 2008, 12:18 AM)
what is the cc that comes with no annual fee for life except petronas card? is there any other?

Added on November 15, 2008, 12:23 am2nd question, let say i have a cc from maybank with credit limit 2k, and i apply for 2nd one, the credit limit is combined or different?
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There are a few others like HSBC which only requires you to perform a minimum amount of transactions to keep the card free year after year.
For credit limit from a particular bank, it is the combination of all cards combined from that same bank. The only way for you to increase the credit limit is to request specially from them; but usually they will review your financial status before approving any credit limit increase.
shockk
post Nov 15 2008, 11:10 AM

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QUOTE(vin_ann @ Nov 15 2008, 06:50 AM)
yeah, i was about to ask this question when saw ur previous post.

use islamic credit card to pay Alcohal, clubbing and chinese restuarant.

but thinks back, it's just the principle uses islamic rules, but usage is just up to us individual who own the card. so i thinks, we can use islamic CC to pay non-halal services & goods.
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yeah. perhaps all the promotions with the islamic credit card will be halal-focused, but if the user wants to use for any non-halal products/services, should be okay as well I guess.

when I first applied for the HSBC card, it was for their normal card which has rewards-system, but now they called and offered me this islamic cash-back card (there seems to be no standard/gold/platinum variation with the card). oh well, as long as it is still HSBC, I'm okay with it. laugh.gif

QUOTE(jack2 @ Nov 15 2008, 09:24 AM)
Recently I bought kitchen cabinet set and service from a kitchen specialist and paid the progress payment using credit card.

They are very clever to request until 90% of the total amount before the installation. Then left 10% after everything is done and you satisfy it, you pay the remaining balance.

However, the installation job and certain things are not as good as promised.

As the credit card holder and consumer, do we have the right to request our bank to revert that credit card payment and charge back the merchant due to undelivered of service as promised?
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Hmm. I'd like to know about this too. Then it would be very useful for us, consumers.
But come to think of it, just say we are paying for such a thing with cash, there's no way to get back also.

QUOTE(Optiplex330 @ Nov 15 2008, 11:01 AM)
On foreign currency conversion rate. It's entirely done by VISA/MC and my bank has absolutely nothing to do with it. So what you said has nothing to do with this particular case.

In this particular case, it seems VISA/MC is MAKING A LOST (by giving me BELOW wholesale market rate) and that can not be true! Hence THE mystery that I am trying to decipher.

From the posting so far, nobody seem to have an answer to this mystery.
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From your previous post, only CIMB right? So maybe they haven't thought of it, or are in the midst of implementing it, or there is a glitch somewhere in their terms. hmm.gif
shockk
post Nov 15 2008, 02:20 PM

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QUOTE(minhal @ Nov 15 2008, 02:15 PM)
CitiBank, you get a 'free' laptop... cheack this out..http://www.jayceooi.com/2008/02/03/shell-citibank-credit-card-hp-compaq-presario-pc700-notebook-specifications/

Added on November 15, 2008, 2:15 pmhttp://www.jayceooi.com/2008/02/03/shell-citibank-credit-card-hp-compaq-presario-pc700-notebook-specifications/
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That offer has now been replaced with a promotion for a GPS device. Both of which, I don't think is worth it at all.
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