My best advise would be to consolidate your debt. Use Balance Transfer to transfer outstanding debts from 2-3 cards into the remaining cards and cut the remaining of the cards. Interest should be lower for BTs. A word of warning ... do not use the card that you use to balance transfer into as your retail/regular use. It is a long story but don't ever use it anymore for retail transaction. You should now only use 1 card for regular use.

Alternatively, take a personal loan and take a short term debt position ... like 9-12 months only. And cut your cards into just 1 or 2.

Looks like you are living beyond your means my friend. Better change your spending habits now or you will live a life of eternal cc debt.

That's correct ... your OT is not fixed amount so it shouldn't be part of the calculation. Same goes for your allowance.

TM gave me rebates and I didn't even sign up for auto billing. Just that I always pay in ahead of the closing date.

UOB Payonline.
I need to put a disclaimer OK guys just in case you all followed my method but didn't get the rebate. I never did anything extra except what I normally did and on a monthly basis I got the rebate.

Rebate comes from TM coz is reflected in the bill. Can't remember the amount (bill @ home), it should be at least RM2.

That's the quick approach. You can mail the form but be prepared for a 4-8 weeks wait.

I've checked the new SCB banking online system. The list states that you could use it to pay your bills via credit card. List may not be as extensive as CitiOnline but it should cover most of the major bills.

I've noted down the major bills that is covered ... Astro, Celcom, Digi, DBKL, IWK, MPAJ, Maxis, Selangor Cukai Hasil Tanah, Syabas, TM and TNB.

This post has been edited by hye: Jun 2 2009, 10:49 AM

They just want to meet their target, that's why give you so many cards.
CitiPlat got access to Plaza Lounge. Other than that it is your preferences.

CL HSBC Amanah cannot join with HSBC Premier. Wierd right ? Actually Premier it is their own CL, it won't mix up with the normal HSBC cards. normal HSBC cards will carry a combined limit.

Nope ... don't have that. The Premier card if you ask me is just hype. Supposedly that is how they ID you should you go to other HSBC branches anywhere in the world. In reality they are very efficient, you could give them you acct no or even Plat card number and they will still know you are a Premier customer.
Priviledge wise, it is about the equivalent to the HSBC Plat. Design wise is dissappointing ... even their Plat or basic card more better looking than the Premier. (Even SCB Titanium JustOne card is also better looking and it is 2 class lower than the Premier)

If you noticed the MY HSBC Premier cc also have the word "World" on it. But I'm rather dissapointed that the card is nothing more like a HSBC Plat card. Keeping so much money there in HSBC and expecting a little more advantage in their so called "Premier" card but the priviledge just fall short. Not to mention that their interest rates are lower than other banks.

(A little bit off topic) In that aspect, SCB offers better than your regular FD rates in some cases. Emmm ... I can live with slightly less perfect service (better watch my word or SCB gonna sue me for deframement) but I get more interest.

This post has been edited by hye: Jun 2 2009, 08:53 PM

Yes ... I agree this is the likely scenario here. Agent just trying to delay you for 6 months.

If you consent to it then it is OK. Most of us here (including myself kena b4), got sent unsolicited credit cards which shouldn't have happened in the first place. The agent did that either to gain additional commission or to meet their targets and unfortunately @ the consumers expense. Plus, it is the consumers right to do what they want but again there are cases where the agent lies that the bank requires you to keep the card for a certain xx period.

Saw the link to a blog .... what if you sign up for additional insurance packages without the consent of your customers? Don't you think you will be thrown out of work @ lightning speed?

This post has been edited by hye: Jun 4 2009, 08:55 AM

Definitely you can! Provided you are not a problematic customer, I don't see why they will not accept you. Take note, different bank have different cooling off period and varies from weeks to a max of 6 month. I only know one which is HSBC has a cooling off period 6 months - you can't reapply within that period once you cancel. Rest I'm have no info.

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Added on June 4, 2009, 10:57 amYup ... why carry the risk just so that others can earn commission from you?

This post has been edited by hye: Jun 4 2009, 10:57 AM

EZ-Payment ... depends on the merchant. In this case, MBB are more widely available for EZ-Payment.
Cash-back policies / rebate - simple, Non-Existant.
Track record - this is individual preference. I had an EON bank card before and I didn't like the quality of their CS. Not to mention if you use it for overseas transactions, they are among the highest which is about 2% extra. So buying stuff from Amazon etc quickly becomes more expensive.

If you like this card so much (and watch a lot of movies) then go ahead. The card is targeted @ moviegoers and provides benefits to watch movies. Nothing more. (Maybe some dining and other priviledges but how often would you fine dine @ a fancy restaurant or stay @ a 5 star hotel?)

Totally agree on that coz I experience the same thing with these 2 banks. I cancelled UOB within 1 month that I received the card. Luckily that time they had problems with the delivery thus I used that as an excuse not to take up the card.
Alliance CL is shockingly low and I have been banking with them for years! I don't see why they should see me as a risky customer. Probably I now hold the lowest CL for a Platinum card in Malaysia coz I ask Alliance to lower it to about to accomodate the maximum monthly cash rebate limit.

This post has been edited by hye: Jun 4 2009, 07:19 PM

When you provide a nominated CL, your supp practically "owns" that CL. So if you give a RM1k limit and the supp spends RM1k, your supp won't have a new "resetted" CL unless RM1k is paid to his cc account. (Take note that this nominated CL is taken out from the principal CL)

However, this depends whether the bank offer you a Nominated CL facility or a Shared CL facility. The scenario above is valid for a Nominated CL facility only.

The closest to the above is balance transfer but should the above happens means that person have a serious cc debt problem. Means not good at all, please avoid falling into the above category at all cost.

Same here.
If you calculate carefully, they charged you 3.88% for the 6-months cash. In actuality, MBB are charging you 7.76% admin fee for the cash advance. On that piece of paper, they have stated (in RM) the actual fees charged - it should come up to RM155.20, am I right ?

esave ... you mean esaver ?
esave is not a known cc product. esaver is a banking account product ... you got the wrong thread my friend to ask for help.

I have no experience dealing with them but an honest opinion, why risk getting yourself attached to a non-financial institution ? Get financial products from a reputable bank or financial institution however good their offers are. You just don't know what will happen to you in the future. You can get BT from any reputable banks in Malaysia.

Note : I agree that we shouldn't be promoting BT, cash advance or anything similar coz that's the beginning of a bad financial spiral. However, everyone need a good advice as what to do and what not to do when using cc. (or anything linked to it)

Alliance VISA Platinum rebates is only available for the 1st RM5k and no rebates will be given for retail use above RM5k. If you average out the tiers then the rebates are only 1.38% Apart than that, it is about the same just like any other Plat cc product. Oh yeah, if you are into the card designs - perhaps it is the ugliest Plat cards around but best cash rebates!

This post has been edited by hye: Jun 10 2009, 02:29 PM