Haha yea,got me rather annoyed. Don't know if all Toyotas were like that. This particular one was the repairs and bodyworks part of Toyota Klang.

Well yea, as I've said in previous pages, I don't really have qualms with the card, pretty much my main card I use for the moment. Just bugged me a lil when the guy was taking forever to see if my card would qualify for the 0% installment thingie CIMB was having with Toyota.

This post has been edited by ellimist: May 9 2009, 03:07 PM

Got to agree with the above. The CS ppl you'll encounter are well, regular ppl. Although there'll be a general trend, you can't exactly say CIMB has crappy CS because of certain cases, you just encountered the wrong person. Probably it's just that foreign banks are more particular with the ppl they hire, or train their staff better, so the likelihood of getting a bad response is minimal. Doesn't discount the fact that you might encounter someone from these banks who had a real bad day and decides to be a pain in the behind.

Once again, it's easy but probably not accurate to judge a corporation, especially a big one, by a single employee. Most big corporations, especially service providers would stress this to their employees in the induction phase, that they are the face of the corporation. But still, you get exceptions,no? To a certain extent, I can emphatize with this. I'm in the service providing line as well, and often a single slip up can get ppl going like "you xxx ppl ah,etc etc". You know, one bad apple spoils the bunch

Ignoring CS, I don't think all cards by the banks are the same. Different banks probably have different emphasis. CIMB seems to going alot with the free for life trend, and they have decent partnerships with various merchants to get discounts. Another bank with good discounts imo would be HSBC.

Citibank, well is probably more classy, so to speak. They're well recognised, and they have loads of things like the access to the airport lounge, gold on call and stuff like that.

Just imo of course

This post has been edited by ellimist: May 9 2009, 11:16 PM

Hmm thought there was another foreign bank that has evergreen points. Can't seem to recall which,if there is one apart from Citibank

Any chance he gave a reason for his advice?

Yes, KFC uses paypass. But I thought VisapayWave was a combination of visawave and paypass.

Nevertheless, I've tried to ask if I could use my paypass at KFC and Starbucks and both the cashier just told me that I couldn't

Erm, I was under the impression that visapaywave allows you to use both, as per david below. not too sure on this though.

And thought i saw one in Starbucks gardens recently. Unless I daydreaming lol.

Edit : Did some quick googling and I think Malaysia Starbucks has it, as per link here


Which KFC was that? Probably cause the cashier in Klang (the one I tried) didn't know how to use it

This post has been edited by ellimist: May 11 2009, 06:18 PM

Probably the debit card functionality to be used would be the ATM function, withdrawing cash from current a/c instead of cash advance

Yes, for the bank.

More cards = More credit limit = Higher max spending/month = Higher difficulty in repayment = Higher possibility of default

=p

Well HSBC seems to be promoting rather heavily recently, being seeing them in Gardens, and saw them (and Citibank) at Curve today. (talkin bout credit cards)

Probably going through these agents would give you a higher chance?

Returns on Citibank Shell Gold card without brought forward balance is :-

2.5% on petrol
0.75% on others

Think the standard card is roughly the same as CIMB petronas (once again,talking bout without brought forward)

Comparing with the above, how is that a rip off?

Link

Edit : Offtopic : WhiteWing, what did you talk to her about, does she sound hot? =p Ask her out on a date lol

This post has been edited by ellimist: May 18 2009, 03:41 PM

Coz it's a co branded card? Hmm was under the impression that it was waivable. Well,don't know really with that card, so can't ask them. Plus it's kinda like 1st year waiver or somethin rite

Ah ok, the hideous card design totally justifies it I suppose, lol

Further offtopic : Cool, do remember the all important task of keeping lyn updated

Juicy =p

Meh Citibank told me I can only get a regular card since I don't meet their min requirement for a gold. Was hoping my high claims (mileage) per month would do the trick, but they told me to use a regular for 6 months then request for upgrade -.-

Oh well

When it reaches RM20, it'll be set off against your next Shell petrol purchase, right?

For conventional cards, your interest is added to principal, and subsequent interest calculated on the new balance, i.e:

RM1,000 outstanding attracting say, RM20 interest

Your new balance for the next interest calculation would be RM1,020.

Non compounding basically is suppose to mean that interest is not added to principal, thus in the example above, interest is always calculated on the RM1,000

If it's not breaking any law (of confedentiality for that matter), then I'm sure u can just say it out here =p

Don't think alot of us here are impressed with our local banks, especially when it comes to CCs, but for frequent movie goers, it would save them a decent amount,no?

Was looking at the webbie briefly, it seems like with Bonus Value, plat and gold members get rm100 and rm60 each to use on tickets (50% of tic price max per transaction). For plat members on average of rm10/movie, that's go for 10 movies, free 10 movies =p

Haha yea, was thinkin bout getting it. But then I hardly get to catch a movie these days, unlike college days where I could do it once or more a week.

Hmm but since there's a waiver for the first year, and probably ppl who already have cards will only use it for movies, it's not too bad I suppose, to save some bucks

Was in Gardens today, and saw an application booth for the EON GSC cc, so went and applied =p

But yea, don't see myself using the card for anything beyond paying for my GSC tickets

Hmm not too sure, never really went alone or anything before. Most recently we went in a group of 3, and signed with UOB one card with no problems. Don't think they have a min number of tics rule for usage of CC