actually the transactions were all before my application balance transfer program been approved...but all within the same statement period...

yerp...but from my past experience, i did balance transfer with maybank before, they have fixed amount to pay everymonth.... so the BT amount wont reflect as an total outstanding...they just charge me fix amount everymonth everytime the statement date come....

i think citibank really need to revise this la...its good that interest charge on reducing balance but they should separate it with subaccount just only for that BT...so it wont mix up with other retail transaction...

my action now is to pay in full whatever outstanding in my citibank...haih...actually i need to roll that rm1000 because i got oversea trip this month...so extra cash could be useful...but nevermind la...i would rather korek my saving (bsn sijil simpanan premium) as backup rather than being charged interest on that BT-retail payment hierarchy thingy of my citibank cc... its a useless BT program since i cant pay for my retails, which been charged at normal interest rate....

old treatpoints redemption value still available for walk in customer at maybankcard centre OU new wing

i think the increase is a result of the implementation of permanent feature of 5x treatpoints for petronas maybankcard....

yerp...
petronas rm100 voucher for 16500 TP..
jusco also got...if not mistaken rm100 for 17000 TP...
i think it only applicable to redeem at maybankcard centre OU new wing...

This post has been edited by he-sham: Apr 17 2009, 09:44 AM

wrong post sorry,

This post has been edited by he-sham: Apr 24 2009, 10:26 AM

i guess the nearest is shell citibank visa gold...
1.5% cash rebate on any retail if your carry forward balance is more than rm4k....haha..

i'll do the same... i already pump full using my AMEX last sunday.....hmmm...tank still full for this Wednesday...haih

read carefully bro....ambank true is NOT eligible for this promotion la....it's because u already enjoy low interest rate and having 3 months interest free period...

This post has been edited by he-sham: May 4 2009, 10:53 PM

it's for every 1st wednesday of the month of any wednesday within this promotion period ??

i already register and received the sms "Tq. Yr registration in AmBank's Cash Back Promo is subject to the validity of the credit card no. you keyed -in. T& Cs"

if i pump petrol today i already entitle to 10% rebate or not ?? must pump minimum rm50 hah ??

yerp.. i think AMEX better...as for my car, if fill full thank around rm64...if times 8...it would be around 500 amex points...

2 times pump already 1000 AMEX points..

every 5400 AMEX points = 1000 enrich miles points

24000 enrich miles point = can fly for free to NZ or aussie with MAS.....haha.....

This post has been edited by he-sham: May 6 2009, 06:00 PM

my bad...

1000 enrich miles = 5600 MR Points



pls refer here for other bank cc
http://www.malaysiaairlines.com/my/en/loya...harge-card.aspx


as for aussie ticket redemption..it's 29250 enrich miles needed for economy class return ticket (adelaide,brisbane,melbourne,perth,sydney...and its within the promotional period only)....of course we must pay for the tax & surcharges...



details can be downloaded in the world of riches catalogue...
http://www.malaysiaairlines.com/uploads/en...OR-May-June.pdf

i also just register as enrich member..get 1000 enrich miles introductory points upon completed registration
now i'm planning to collect the points whichever possible included points which I already missed from my previous flights and enrich partners...we can collect those points missed maximum for the past 7 months !!


with your 350,000 MR points...its equal to 62500 enrich miles....i thinks it entitle to europe destinations already...first class summore...huhu...

This post has been edited by he-sham: May 6 2009, 09:38 PM

recently i applied public bank credit card....but i know the chance is small to be approved becoz i already have more than 6 cards.. so true, yesterday just received the rejection letter (computer generated)..

what funny was, at the same day, i received another envelope from PB, contain application form for supplimentery card and brochure about PB card credit card balance transfer program promotion plus the application form for balance transfer...

i never have a credit card or saving account with them before...but i do have PB Visa Electron....huhu....

i always pay before due date by internet banking...dont want to take risk as I want a good record for 12 consecutive month and entitled to 13.5% p.a interest rate...

as i remember, i only paid late once due to i mix up its due date with other my other card... call the cs, they waived it...

today at one utama, for the first time i saw booth promoting PBB credit card... even though i was rejected many times already, i just apply to take their free gift (alarm clock) and free bread story cakes voucher...haha...

me also always encounter the same problem... once more any KFC that shows "master/visa accepted" logo but rejects my request to pay using credit/debit card due to any reason, i'll certainly lodge a formal complaint report..

the potential recipients of the report should be
1)their (KFC) terminal provider - which use to be CIMB Bank
2)their (KFC) customer service management
3)malaysian office of mastercard & visa

i'm really pissed off with their lazyness....

i just been imposed late payment charge by ambank...

my due date was 10 may 2009.... i paid it by cash to their cash deposit machine on 10 may 2009 at 11.15 pm....

since when they follow sydney or brisbane GMT ?? they are international bank or what ?? i hate to call their customer care consultant to ask for waiver since as far as i'm concern its still not pass the due date.....

i guess no different of benefit for silver & gold card...maybe only some insurance benefits that come together with the card might be better on gold...other than that i dont see any different in privillege...unless u're comparing platinum to gold/silver....

i just discover a credit card with the lowest requirement of annual income for its PLATINUM credit card...

the requirement is RM24k per annum (officially stated in their application form)...

haha...better apply for Infinite or Premier....

This post has been edited by he-sham: Jun 5 2009, 06:23 PM

yerp....agree with david83...
shinzan, better u pay minimum first, than find a good balance transfer plan...
no point withdraw cash from other credit card to pay another...u'lll end up paying more interest..

remember

retail balance interest = 17.5% (or 13.5% & 16%) counted from the due date (unless not settle full from the previous month)

but

cash advance interest = strictly 18% compounded daily from the day of withdrawal...

20 days interest free period for new purchase applicable if pay minimum or pay full ??

becoz bank islam card in their website mentioned

20-Day Profit Charge Free Period
Automatic 20-day finance charge free period for retail purchases, if the previous month's minimum payment amount is paid by the due date

here the reference:
Bank Islam Card Fees & Charges

SCB not sure...

but i think citibank comfirm got...even wanna topup prepaid credit also can use credit card payment online...

This post has been edited by he-sham: Jun 17 2009, 05:55 PM

if no outstanding balance every month means no finance charge...
if no finance charge why border about the interest of 9%p.a or even if it's 100%p.a....

i think it need only consistent minimum payment every month is good enough to keep the card finance charge rate at 9% p.a throughout the tenure of the card... bank also want to make money la....

This post has been edited by he-sham: Jun 19 2009, 01:21 AM

maybank better i guess... the transaction went through past the credit limit....& they never charge for overlimit...of course from the point after exceeding the credit limit onward, the card will be automatically declined...