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Credit Card Thread V6
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WaCKy-Angel
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 Mar 4 2009, 04:20 PM
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QUOTE(Gen-X @ Mar 4 2009, 12:34 PM) Yes and No. It depends. In my Amex Charged Card Statement there is a Payment Due Date stipulated usually on about 16-18th of the month. Most of the time I will bank in my cheque only after the 20th and never got charged for late payment. However if one pay after the Statement Date, then sure interest and late payment will be imposed. U mean if u pay after the due date, but b4 the next statement is out then not charges? Afaik, Amex aka American Express is a charge card and their interest rate is super expensive if u dont pay them full payment.. Maybank Amex, i dont know... i just got mine recently. QUOTE(jack2 @ Mar 4 2009, 01:01 PM) Sure, I always late to make payment due to busy schedule. Didn't see there is any late payment or interest charge imposed. Good for u.... My Maybank Visa i paid later than 6PM on the same day still get charged late payment fee... |
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WaCKy-Angel
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Mar 4 2009, 04:22 PM
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Btw.... Does anybody know how to check UOB One card how to check the rebate expiry date?
All it says in the statement is will expiry after 2 years..
Maybank points too how to check?
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TSb00n
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Mar 4 2009, 04:25 PM
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delusional
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QUOTE(WaCKy-Angel @ Mar 4 2009, 04:20 PM) » Click to show Spoiler - click again to hide... «
U mean if u pay after the due date, but b4 the next statement is out then not charges?
Afaik, Amex aka American Express is a charge card and their interest rate is super expensive if u dont pay them full payment..
Maybank Amex, i dont know... i just got mine recently.
Good for u....
My Maybank Visa i paid later than 6PM on the same day still get charged late payment fee... You can always phone in to ask for waiver  |
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WaCKy-Angel
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Mar 4 2009, 04:39 PM
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QUOTE(b00n @ Mar 4 2009, 04:25 PM) You can always phone in to ask for waiver I did... but i think they didnt waive it so im too lazy to bother it anymore.. |
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cute_boboi
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Mar 4 2009, 04:48 PM
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QUOTE(WaCKy-Angel @ Mar 4 2009, 04:22 PM) Maybank points too how to check? It is in your monthly printed statement. Also can view in Maybank2u Online in your CC details. |
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jack2
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Mar 4 2009, 04:59 PM
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QUOTE(WaCKy-Angel @ Mar 4 2009, 04:20 PM) U mean if u pay after the due date, but b4 the next statement is out then not charges? Afaik, Amex aka American Express is a charge card and their interest rate is super expensive if u dont pay them full payment.. Maybank Amex, i dont know... i just got mine recently. Good for u.... My Maybank Visa i paid later than 6PM on the same day still get charged late payment fee... Maybank Master/Visa or AMEX? I don't think so la.. Sometimes I was late for 2-3 days and I didn't get any late charges. |
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he-sham
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Mar 4 2009, 05:04 PM
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QUOTE(b00n @ Mar 4 2009, 04:25 PM) You can always phone in to ask for waiver ya laaa...my CIMB DA, there was one time i made full payment a day after due date... in the subsequent month statement got finance charge edy, but no late payment charge....straight away ask them for waiver la once i notice the finance charge in my cimblicks....finally they waived it.... that's the only time i fail to make payment before due date (becoz i forgot), since i'm their cardmember in june 2008... but did that affect my aim to be in the category 13.5% interest rate (next june) ??  This post has been edited by he-sham: Mar 4 2009, 05:04 PM |
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ableze_joepardy
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Mar 4 2009, 06:24 PM
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just applied CIMB Petronas Mastercard.. waiting for approval..
btw wanna ask.. bout the 0% installment fee.. let say the thing is RM3k.. so i need to pay only RM250 monthly for 12 month rite? how bout the "handling fee"? i heard some shop got this fee..
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cute_boboi
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Mar 4 2009, 06:53 PM
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Most of the shops will absorb the RM50 processing fee for you. Ask for any hidden/extra charges/interest before you go for the 0% installment.
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alexwsk
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Mar 4 2009, 07:20 PM
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QUOTE(David83 @ Mar 4 2009, 04:08 PM) I thought DA 2% rebate will end by April right? The brochure said will end by 30th april, dunno they will extend or not
Added on March 4, 2009, 7:29 pmQUOTE(heizad @ Mar 4 2009, 04:18 PM) i applied DA thru email...next day they called me for verification and 2 days later i got the card  same thing here, faxed in last thursday, called me last friday, got the card thru POSLAJU today but 2 things i'm not satisfied 1) I filled in the form to ask them to send the cards to my office, when they called and ask, also told them to send to my office, lastly the cards still ended up at my home address  2) applied for platinum, received gold with CL 18k  If i'm not qualified, let it be. Now I might not want to phone them up to activate the cards  This post has been edited by alexwsk: Mar 4 2009, 07:29 PM |
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kei18kun
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Mar 4 2009, 07:30 PM
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QUOTE(jack2 @ Mar 4 2009, 03:59 PM) Wonder the rebate of 2% given by the DA is on certain period until expired or it is whole life? Then can we access our credit account in internet banking and pay bills using DA credit cards? I prefer AmBank cc as we can pay many utilities from credit card accounts instead of bank accounts. QUOTE(David83 @ Mar 4 2009, 04:08 PM) I thought DA 2% rebate will end by April right? really?! i thought forever? i know maybank 5% for carrefour is until end of April |
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blackchides
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Mar 4 2009, 07:55 PM
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Hey guys, applied for HLB classic credit card today and the lady on the phone told me that it's "free-for-life". I was excited for a minute and then I thought "wait a minute, it's a bit too good to be true".
Anyone has a clue? Is it a minimum swipe thing and then call every year to request waiver or is it automatic?
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eddievh
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Mar 4 2009, 07:57 PM
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Anyone using Ambank Real reward gold card? http://www.ambg.com.my/personal/creditcard...dcreditcard.asp , Is it true ka this card we get 2X reward point for our spending? Petrol included or not?
Added on March 4, 2009, 7:58 pmQUOTE(blackchides @ Mar 4 2009, 07:55 PM) Hey guys, applied for HLB classic credit card today and the lady on the phone told me that it's "free-for-life". I was excited for a minute and then I thought "wait a minute, it's a bit too good to be true". Anyone has a clue? Is it a minimum swipe thing and then call every year to request waiver or is it automatic? Nowaday quite many bank already offer uncondition free for life card. This post has been edited by eddievh: Mar 4 2009, 07:58 PM |
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zenquix
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Mar 4 2009, 09:14 PM
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i used to have a HLB gold card free for life with 12 swipes a year.
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SUSHigh-End Power
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Mar 4 2009, 10:08 PM
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New Member
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Treatpoints to redeem Maybank vouchers have increased terribly. Petronas voucher is now 11000 points instead of 9000 points last time. All the vouchers also increased  |
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SUSDavid83
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Mar 4 2009, 10:15 PM
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QUOTE(High-End Power @ Mar 4 2009, 10:08 PM) Treatpoints to redeem Maybank vouchers have increased terribly. Petronas voucher is now 11000 points instead of 9000 points last time. All the vouchers also increased This sucks! |
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vin_ann
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Mar 4 2009, 10:18 PM
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QUOTE(kei18kun @ Mar 4 2009, 03:30 PM) OCBC bank: overseas transaction 1% http://www.ocbc.com.my/personal-banking/Ca....shtm?bcid=M5_1correction: OCBC Platinum Robinson annual fee waiver - swipe 3x any amount even few ringgit also can at robinson from month on card expiry not following year basis http://www.ocbc.com.my/personal-banking/Ca...Privileges.shtmhope u find it useful and congrats on V6!!!  it's useful when u r frequent shopper of Robinson... i got my Robinson card too, too bad, i got nothing to buy from there... and finally just cancel it. |
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heizad
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Mar 4 2009, 11:18 PM
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QUOTE(ableze_joepardy @ Mar 4 2009, 06:24 PM) just applied CIMB Petronas Mastercard.. waiting for approval.. btw wanna ask.. bout the 0% installment fee.. let say the thing is RM3k.. so i need to pay only RM250 monthly for 12 month rite? how bout the "handling fee"? i heard some shop got this fee.. for the 0% installment fee, there are 2 choices: 10 months or 20 months...for a transaction between 1k-2999, u only opt for 10 months only..to get 20 months ur transaction must be at least 3k..n for the payment DA will charge u 5% of your transaction for ur first month payment..example: ur transaction=3k, so 3k/20 months=150/month ur 1st month payment will be 5% of 3k=150+150 monthly installment=rm300, and the remaining 19 months will be 150/month.. correct me if i'm wrong coz this is the way that i pay using the 0% monthly installment  |
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GHz
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Mar 5 2009, 09:06 AM
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New co-branded credit card. This time Ming Heng & Eon Bank » Click to show Spoiler - click again to hide... « Ming Heng Motor Sdn Bhd (Ming Heng Motor), a leader in pre-owned premium cars, today became the first automotive retailer in the country to launch a credit card. In partnership with EON Bank Group, the Ming Heng Gold and Platinum credit cards offer numerous exclusive privileges to its members.
Speaking during the launch event, Mr Walter Koh, Ming Heng Motor Managing Director said, “The Ming Heng EON Bank credit card is part of our growth strategy. The numerous benefits to the cardholder is our way of providing value added benefits to our loyal customers and there is absolutely no annual fee.”
Benefits of the Ming Heng EON Bank Gold and Platinum credit cards include a 5 percent discount on the purchase or renewal of motor insurance; 12 months zero interest installment plan for motor insurance; up to RM1,000 free labour charges at Ming Heng workshops and tyre shops; free personal accident insurance coverage up to RM60,000 for gold card holders and RM100,000 for platinum card holders; and free travel accident insurance and inconvenience benefits.
The Ming Heng EON Bank Gold and Platinum credit cards holders will also benefit from a myriad of choice discounts from a wide range of retailers, restaurants and hotels; ‘Bonus Plus’ Rewards Programme; EON Bank Group Credit Card Balance Transfer Instalment Plan; zero interest instalment plan from participating merchants; 3-D secure online payment system for online shopping. In addition, Platinum credit cards holders will enjoy will-writing services at privileged prices, 24-hours Platinum Priority Hotline and MasterCard Platinum Concierge Services. The other privileges include special airline benefits and exciting travel packages with major airline companies supported by MasterCard Worldwide.
For a period of twelve months, between April 1, 2009 and March 31, 2010, Ming Heng credit card holders stand the chance to win a luxury car worth RM168,888. Every RM100 spent on Ming Heng credit cards will earn 1 contest entry. The more card holders use their Ming Heng credit cards, the more chances they stand to win. No slogan required. Its that easy ! |
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aeronlim
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Mar 5 2009, 09:20 AM
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QUOTE(High-End Power @ Mar 4 2009, 10:08 PM) Treatpoints to redeem Maybank vouchers have increased terribly. Petronas voucher is now 11000 points instead of 9000 points last time. All the vouchers also increased Yup, the treat point like the goods in Malaysia, have inflation... QUOTE(GHz @ Mar 5 2009, 09:06 AM) New co-branded credit card. This time Ming Heng & Eon Bank » Click to show Spoiler - click again to hide... « Ming Heng Motor Sdn Bhd (Ming Heng Motor), a leader in pre-owned premium cars, today became the first automotive retailer in the country to launch a credit card. In partnership with EON Bank Group, the Ming Heng Gold and Platinum credit cards offer numerous exclusive privileges to its members.
Speaking during the launch event, Mr Walter Koh, Ming Heng Motor Managing Director said, “The Ming Heng EON Bank credit card is part of our growth strategy. The numerous benefits to the cardholder is our way of providing value added benefits to our loyal customers and there is absolutely no annual fee.”
Benefits of the Ming Heng EON Bank Gold and Platinum credit cards include a 5 percent discount on the purchase or renewal of motor insurance; 12 months zero interest installment plan for motor insurance; up to RM1,000 free labour charges at Ming Heng workshops and tyre shops; free personal accident insurance coverage up to RM60,000 for gold card holders and RM100,000 for platinum card holders; and free travel accident insurance and inconvenience benefits.
The Ming Heng EON Bank Gold and Platinum credit cards holders will also benefit from a myriad of choice discounts from a wide range of retailers, restaurants and hotels; ‘Bonus Plus’ Rewards Programme; EON Bank Group Credit Card Balance Transfer Instalment Plan; zero interest instalment plan from participating merchants; 3-D secure online payment system for online shopping. In addition, Platinum credit cards holders will enjoy will-writing services at privileged prices, 24-hours Platinum Priority Hotline and MasterCard Platinum Concierge Services. The other privileges include special airline benefits and exciting travel packages with major airline companies supported by MasterCard Worldwide.
For a period of twelve months, between April 1, 2009 and March 31, 2010, Ming Heng credit card holders stand the chance to win a luxury car worth RM168,888. Every RM100 spent on Ming Heng credit cards will earn 1 contest entry. The more card holders use their Ming Heng credit cards, the more chances they stand to win. No slogan required. Its that easy !  Wow, a credit card for automobile!! How does it looks like? By the way, Citibank no more announce any new co-brand credit card since last year... |
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