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 Credit Card Thread V6

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alexwsk
post Apr 9 2009, 04:33 PM

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QUOTE(khlee @ Apr 9 2009, 04:32 PM)
Do you have to pay for the annual fees? I'm interested in applying.
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free for 1 yr if u apply principal only and free for 3 yrs if apply with supp
alexwsk
post Apr 10 2009, 08:19 AM

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QUOTE(hye @ Apr 9 2009, 05:45 PM)
Yes ... SCB won't state this promo in their website. (Most banks won't as well) The good thing about SCB promo is that you will also see the promotional sheet which you have to sign as condition that you agree and understand the offer given to you. So the chances of you getting into trouble with renegade card agents are greatly reduced.

I'm using their card and saying all this from experience.
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yup, i only knew after I called them up to find out
and they are fast, faxing all the forms to me and sending people to pick up the forms the next day rclxms.gif
alexwsk
post Apr 10 2009, 02:10 PM

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QUOTE(WhiteWing @ Apr 10 2009, 12:16 PM)
Today went to the CIMB Bank at Jalan Bukit Bintang, collected my new credit card and first credit card smile.gif , the card is CIMB Classic credit card & CIMB Petronas credit card smile.gif . Both card limit are the same and 2x higher than my salary per month. Like 2 months salary saja ... kekek ~ free for life for both card and I double asked them. No minimum swipe and FREE for LIFE !
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congrats, the CIMB classic is Master or Visa?
alexwsk
post Apr 10 2009, 03:48 PM

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QUOTE(tgeoklin @ Apr 10 2009, 02:58 PM)
Welcome to the club. Btw why yr card expiry date so weird ie. 03/11? Thought you just got card only, right?  blink.gif
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hehe, i just got my cards from scb as well, they only gave 2 yrs


Added on April 10, 2009, 3:51 pm
QUOTE(WhiteWing @ Apr 10 2009, 03:15 PM)
Okk,thank you ... will go ahead for VISA bird , hehe .... dun know what is the progress for public bank that I apply for last week xD
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hehe, cimb classic visa is not free for life though

This post has been edited by alexwsk: Apr 10 2009, 03:51 PM
alexwsk
post Apr 10 2009, 04:02 PM

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QUOTE(WhiteWing @ Apr 10 2009, 03:59 PM)
Are you sure ? I got all their leaflet and promotion leaflet also put FREE FOR LIFE and I ask the bank for 3 twice issit free for life without any condition woh. 3 times she also answer yes ... I got valid proof for CIMB bank here .. since black and white stuff at my place no ..
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coz i saw from their website, unless the website is outdated
http://www.cimbbank.com.my/doc/Generic%20E...20(0009)NEW.pdf

The form above mentioned only Principal MasterCard are free for life
alexwsk
post Apr 10 2009, 04:15 PM

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QUOTE(WhiteWing @ Apr 10 2009, 04:14 PM)
From the website,I'm not sure it outdated or updated.

From what I can see that I walk in thru their bank and their staff serve me and promote this to me then only I go ahead for it.

Well,my card is principal mastercard .. any more comment?
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icic, i just wanted to find out
alexwsk
post Apr 12 2009, 06:06 PM

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QUOTE(MilesAndMore @ Apr 12 2009, 03:36 PM)
Why do you need a local credit card when you are working overseas anyway ? Shouldn't you just apply for a credit card at one of the local banks in the country you work in ?
I think the problem is that you won't be able to login to your e-banking system while overseas. Tried this several times before.

Anyways, if you still need a Malaysian issued credit card while working overseas, the best method to pay your credit card bill is probably by auto debit.
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so far i've no problem receiving TAC and accessing my e-banking while overseas
alexwsk
post Apr 13 2009, 09:49 AM

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QUOTE(MilesAndMore @ Apr 12 2009, 08:10 PM)
I tried to login to my PBB online while waiting for my SQ flight back to KUL at Changi Terminal 2 via the free WIFI. I supposed SATS probably is blocking it to prevent fraud ...
Actually we'll be charge for each text message we received while overseas. I was charged RM1 for each text message i received from Malaysia while in Singapore via SingTel network.
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i never tried in Singapore, but my hotlink prepaid can receive sms for free in China and also US


Added on April 13, 2009, 9:52 am
QUOTE(GHz @ Apr 12 2009, 07:46 PM)
I agree. Should not be any problem. However for my case, I experiencing a couple of time, where I did not received TAC while oversea but its really rare.

But, if I not wrong telcos charge us for receiving SMS while overseas.
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that shud be the bank's problem, sometimes when u request for TAC in malaysia, it's very slow oso

This post has been edited by alexwsk: Apr 13 2009, 09:52 AM
alexwsk
post Apr 15 2009, 09:00 PM

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hye, want to confirm something with u
scb cc don't have Verified by Visa and MasterCard SecureCode?

Thx
alexwsk
post Apr 16 2009, 11:15 AM

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QUOTE(WaCKy-Angel @ Apr 16 2009, 11:11 AM)
Oh found it...

Darn it i just refilled my petrol last night..
Why nowadays banks like to do damn irritating promotion must sms/register only can enjoy promotion?
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read post #863
alexwsk
post Apr 18 2009, 09:52 PM

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QUOTE(David83 @ Apr 18 2009, 01:08 AM)
Encourage spending? I don't understand why the government is issuing bond called Sukuk Simpanan Rakyat with guaranteed return of 5% as they supposed to encourage spending in order to boost the economy.
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gov also need money ma


Added on April 18, 2009, 9:56 pm
QUOTE(skygreen @ Apr 18 2009, 04:52 PM)
My SCB CC only get 3 years annual fee waive.wink.gif
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same here, 3 yrs free but need to apply for supp cc at the same time

This post has been edited by alexwsk: Apr 18 2009, 09:56 PM
alexwsk
post Apr 18 2009, 10:00 PM

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QUOTE(cenkudu @ Apr 18 2009, 05:51 PM)
just happen to me today. I applied for 1 CC only and I've read the declaration form and confident that the agent has marked and show to me I only applied for 1 CC. Suddenly SCB approved and sent to me  3 CC  mad.gif
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make sure u get a photostated copy of the application form from the agent b4 they submit
alexwsk
post Apr 22 2009, 09:16 AM

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QUOTE(MilesAndMore @ Apr 22 2009, 02:52 AM)
Better go to Bank Negara to check your CCRIS record.
So you've been rejected for a credit card by Citibank very recently ? Hye is right. Usually people will have no problem applying for a supplementary card.
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unless the principal card holder has a bad CCRIS
alexwsk
post Apr 22 2009, 12:15 PM

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QUOTE(Zack Styler @ Apr 22 2009, 12:09 PM)
Yes you can, the minimum income is RM21K per annum..
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if according to latest info from Maybank website, the answer is NO

you'll need RM30k even for their classic card sweat.gif

But of course, other banks such as alliance, public bank...., RM18k is enough to qualify for classic card

This post has been edited by alexwsk: Apr 22 2009, 12:16 PM
alexwsk
post Apr 22 2009, 04:21 PM

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QUOTE(cute_boboi @ Apr 22 2009, 12:23 PM)
shocking.gif  Now that you mention it, I check MBB CC website and is true. Revised from RM18k p.a. to 30k  blink.gif

I guess it is good to filter out unnecessary risk for the bank.
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But then 30k for a classic card, and 36k for a gold card doh.gif

i think more banks will soon follow, of course except those who are desparate for customers
alexwsk
post Apr 22 2009, 04:28 PM

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QUOTE(cute_boboi @ Apr 22 2009, 04:25 PM)
StanChart 60k for platĀ  laugh.gif
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yea, i know, they are desparate
and i just got mine from them

rhb oso 60k for plat, and both the banks has visa infinite

This post has been edited by alexwsk: Apr 22 2009, 04:34 PM
alexwsk
post Apr 22 2009, 04:41 PM

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QUOTE(nicholastze85 @ Apr 22 2009, 12:19 PM)
My gosh, i ned maybank credit card for ezy pay.... any other solution??
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find out from the merchant whether they accept other banks cc for 0% installment
or u can try the cimb/da ipay plan which ends at 30 jun
alexwsk
post Apr 22 2009, 07:08 PM

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QUOTE(hye @ Apr 22 2009, 05:08 PM)
SCB VISA Infinite got chance for you to apply. RHB VISA Infinate is only via invitation only, possibly via Priviledge Banking customers with at least RM1 mil in deposits.

I wouldn't even come close to any RHB cc products as I'm not (personally) impressed by their CS and teller services.
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yea, I noticed the 150k minimum income for SCB Visa Infinite, too bad my salary is not there yet
as for RHB, forget it


Added on April 22, 2009, 7:11 pm
QUOTE(bingozero @ Apr 22 2009, 06:39 PM)
Hello,
Today I just get my Maybank Petronas credit card, just for few question that I want to know.
smile.gif I have my Maybank account which link to this credit card, can I use this credit card to withdraw money from ATM? Is that any service charge?
smile.gif I want to pay my streamyx bill at TMpoint, is that accept credit card and how the treat points earn?
smile.gif Can I just swap my credit card even I buy the item just for RM5? And does it charge?
Thank you.
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1) I'm not sure whether you can use it as ATM card for ur banking account. How do you link it to your cc?
2) TMPoint should accept cc, you can also pay via m2u using that cc, points for TM is RM1=2points. You can also sign up for autopay. Last time when i signed up, TM gave RM2 discount every month
3) Yes, you can swipe whatever amount u like, as long as the merchant didn't state a minimum amount for cc transaction. Should have no extra charge, except for computer shops, but they will let u know up front

This post has been edited by alexwsk: Apr 22 2009, 07:14 PM
alexwsk
post Apr 22 2009, 08:58 PM

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QUOTE(bingozero @ Apr 22 2009, 07:18 PM)
The Maybank staff link it for me, when ever I swap my credit card, it will direct deduct my amount from my saving account.
Not sure whether I can use for ATM to withdraw money using my credit card.
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huh, then that cannot be call cc la sweat.gif
i thought they will auto deduct once the statement is out and not directly after each transaction
alexwsk
post Apr 23 2009, 08:29 AM

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QUOTE(Zack Styler @ Apr 22 2009, 10:49 PM)
I am outdated, thanks for the update.. tongue.gif


Added on April 22, 2009, 10:51 pm

Let's assume,

VISA=Intel

Mastercard=AMD

Well its better to have both, in case either one of the systems went down, or the merchant did not accept one of them.. smile.gif
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actually i just found out from mbb website oso


Added on April 23, 2009, 8:33 am
QUOTE(CSS @ Apr 22 2009, 11:37 PM)
I thought CIMB Petronas MasterCard is free for life forever, where'd you get the "spent 12 times" info?
The website was always RM30k, however in the form itself it states that only RM24k is required for MBB Petronas Visa Gold...
Sounds more like our Maybank Visa Debit Card / ATM Card...
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hmm.gif maybe the printed form is not updated, because their online application form indicated 30k. And you're rite, i still hv a hard copy of the petronas visa application form with me, 24k for gold - coz i thk they dun hv classic card for this

This post has been edited by alexwsk: Apr 23 2009, 08:39 AM

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