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 Credit Card Thread V6

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tinkerbel
post Mar 18 2009, 03:09 PM

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@boonsin23,
Er.. that iPod shuffle is the old one; the new one's much more compact! Saw it the other day when I went into Machines to make my iPod redemption smile.gif

Also, better to have won than not, right? wink.gif
WaCKy-Angel
post Mar 18 2009, 03:10 PM

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QUOTE(tinkerbel @ Mar 18 2009, 01:25 PM)
@Reventon,
hMmm.. So U gonna be my full time chauffeur? Now, that's a bargain! smile.gif

@tgeoklin,
I just checked out the 'SCB Guaranteed Gifts' - uhm... it's RM5k + there's only 50 TVs that's being given out.  No good lah.  Stick with Amex better, for now smile.gif
*
Tinkerbel u really rich....how u spend so much no need pay back?
tinkerbel
post Mar 18 2009, 03:12 PM

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@WaCKy-Angel,
Huh? U know any banks who don't bill their consumers for what they've charged to their cards? If so, please let me know - I'll love to be their customer smile.gif
WhiteWing
post Mar 18 2009, 03:32 PM

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QUOTE(tinkerbel @ Mar 18 2009, 03:03 PM)
@WhiteWing,
You had to make a special trip to CIMB to get CC form?! hMm.. aren't those application forms available for download online?!  Anyhow, good luck ! smile.gif
*
Haha,I work in Low Yat Plaza only and CIMB bank just behind me so I gave them a trip. Pass them 6 months salary slip because reason first time apply wo,then EPF statement and photocopy of IC.

Signed 2 form ... one is CIMB basic credit card and another one is CIMB Petronas card woh ..

Thank you icon_rolleyes.gif
WaCKy-Angel
post Mar 18 2009, 03:33 PM

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QUOTE(tinkerbel @ Mar 18 2009, 03:12 PM)
@WaCKy-Angel,
Huh? U know any banks who don't bill their consumers for what they've charged to their cards?  If so, please let me know - I'll love to be their customer smile.gif
*
U are rich then
tinkerbel
post Mar 18 2009, 03:43 PM

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@WaCKy-Angel,
Rich & poor is relative. Haven't U heard of the story about this very 'rich' family who donated 80c to help the poor; rich considering 80c was all they had in their savings versus a rich tycoon in the likes of Unc Lim & YTL giving a couple of thousand dollars?
suiteng
post Mar 18 2009, 03:50 PM

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UOB dun lemme cancel my supp card. vmad.gif Say must keep the supp card and swipe 12 times else my principle card will be charged annual fees vmad.gif

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tinkerbel
post Mar 18 2009, 04:07 PM

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@suiteng,
Er.. but if U cancelled the supp card, U wouldn't be paying fees for the supp card, just the principle card right?!
WhiteWing
post Mar 18 2009, 04:13 PM

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The chance for me to get dun know ok or not sweat.gif
tinkerbel
post Mar 18 2009, 04:15 PM

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@WhiteWing,
You just have to wait and see what the bank says. Perhaps you could check on your application some time middle of next week smile.gif
tgeoklin
post Mar 18 2009, 04:20 PM

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QUOTE(tinkerbel @ Mar 18 2009, 01:25 PM)
@tgeoklin,
I just checked out the 'SCB Guaranteed Gifts' - uhm... it's RM5k + there's only 50 TVs that's being given out.  No good lah.  Stick with Amex better, for now smile.gif
*
erh ..... I think the idea is to go fo all of it, right? That way can have a bigger chance of winning as well tongue.gif
tinkerbel
post Mar 18 2009, 04:23 PM

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@tgeoklin,
In order to go for all of it, U would need to spend RM15k, isn't it?! Or well just spend RM5k and hope your SMS is within those 3 prizes? Nah.. it's not that easy to spend RM5k these days [oK.. it's easy to spend, but it's not easy to pay up, so nah!]
WhiteWing
post Mar 18 2009, 04:24 PM

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QUOTE(tinkerbel @ Mar 18 2009, 04:15 PM)
@WhiteWing,
You just have to wait and see what the bank says.  Perhaps you could check on your application some time middle of next week smile.gif
*
Can check ? How to check ? unsure.gif
stryfox
post Mar 18 2009, 04:25 PM

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advice to those using credit card : never default or u pay a very HEAVY price.

Last time i defaulted 3 cards in 2005, HLBB, Eon and MBf with balance about 15k, 7k and 22k. Now i check outstanding balances already 3 or 4 times of amount I actually used because of late payment and penalty default charges. HLBB- 41k, Eon - 22k and MBf i dont want to know sad.gif

Call the banks already to ask how much to fully settle liao and officer can offer only 25% off. If want more discount have to appeal but chances very slim they would reduce more...... moral of story, no more credit card for life. Learn the hard and expensive way.....
tgeoklin
post Mar 18 2009, 04:36 PM

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QUOTE(tinkerbel @ Mar 18 2009, 04:23 PM)
@tgeoklin,
In order to go for all of it, U would need to spend RM15k, isn't it?!  Or well just spend RM5k and hope your SMS is within those 3 prizes?  Nah.. it's not that easy to spend RM5k these days [oK.. it's easy to spend, but it's not easy to pay up, so nah!]
*
Coming from you, that'a an understatement tongue.gif

Well, its pretty easy to be the first few to sms in, right? Sad to say, I had not managed to win yet but my friend got a TV already, and I am still hopeful. And its in addition to the RM100K contest, plus that Corum watch plus the nice looking Delsey Cabin Trolley Case and Laptop Briefcase as well drool.gif

This post has been edited by tgeoklin: Mar 18 2009, 04:41 PM
Reventon
post Mar 18 2009, 04:40 PM

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QUOTE(tinkerbel @ Mar 18 2009, 03:09 PM)
@boonsin23,
Er.. that iPod shuffle is the old one; the new one's much more compact!  Saw it the other day when I went into Machines to make my iPod redemption smile.gif

Also, better to have won than not, right? wink.gif
*
hmmm... I guess Amex send the redemption letter to you again for that ipod nano, they straight away send me the ipod together with the letter. wonder they practice different method in kl and selangor.
But for sure they will not courier the Beemer X6 to my house, lol



tinkerbel
post Mar 18 2009, 04:42 PM

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@WhiteWing,
Call the bank and go through the automated process and U should come to an option where U get to check on your CC application.

@stryfox,
Y on earth did U let the debt accumulate for such a long time?!

@tgeoklin,
It's not like I spend RM15k all the time. If only I could pay my house installments through my credit card - then, RM5k doesn't seem to be that difficult afterall but well it's not possible!

@Reventon,
You got the iPod sent to U instead of getting a letter?! Gee Whizzz.. what is this double standard thingy?! HmM.. maybe cause your big customer kua *shrugs* I live in Sg Buloh.. U?

PS: I guess it's not a bad thing cause what if the iPod colour came out really bad?! smile.gif

This post has been edited by tinkerbel: Mar 18 2009, 04:44 PM
tgeoklin
post Mar 18 2009, 04:45 PM

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QUOTE(tinkerbel @ Mar 18 2009, 04:42 PM)
@tgeoklin,
It's not like I spend RM15k all the time.  If only I could pay my house installments through my credit card - then, RM5k doesn't seem to be that difficult afterall but well it's not possible!
*
Do forget to let me know once you find such a bank, I am also very interested in such biggrin.gif


Added on March 18, 2009, 4:46 pm
QUOTE(stryfox @ Mar 18 2009, 04:25 PM)
advice to those using credit card : never default or u pay a very HEAVY price.

Last time i defaulted 3 cards in 2005, HLBB, Eon and MBf with balance about 15k, 7k and 22k. Now i check outstanding balances already 3 or 4 times of amount I actually used because of late payment and penalty default charges. HLBB- 41k, Eon - 22k and MBf i dont want to know sad.gif

Call the banks already to ask how much to fully settle liao and officer can offer only 25% off. If want more discount have to appeal but chances very slim they would reduce more...... moral of story, no more credit card for life. Learn the hard and expensive way.....
*
Better get AKPK to help you out there hmm.gif

This post has been edited by tgeoklin: Mar 18 2009, 04:46 PM
tinkerbel
post Mar 18 2009, 04:47 PM

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@tgeoklin,
hEHheh I'll keep U informed. I know SP Setia allows their customers to make downpayment via Credit Card cause I received their uhm... flyers through my CC. Unfortunately, Gamuda doesn't! *siGh*
stryfox
post Mar 18 2009, 04:48 PM

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QUOTE(tinkerbel @ Mar 18 2009, 04:42 PM)


@stryfox,
Y on earth did U let the debt accumulate for such a long time?!


*
Last time was stupid....hahaha.....

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