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anyone here using Citibank Clear cc?

was thinking to buy a tv at electric shop, and the shop got 0% installment, should i call citibank first prior swiping my card, tell them i wanna buy something with 0% installment?

or i can just swipe and the shop handle everything for me?

hope anyone can help, coz i'm first timer to this 0% installment scheme

thanks!

No need to call...
Just like doing normal buying only

icic, tq!

Hi anyone apply Amex krisflyer( S'pore Airline ) credit card ??

Really I didn't noticed that. Thanks for the heads up.

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Added on March 5, 2009, 10:34 amSometimes the shop will charge a percentage for admin or something so be watchfull.

This post has been edited by gyver: Mar 5 2009, 10:34 AM

When finalising your purchase price, please ask:
1) Can pay by installment ?
2) 0% interest ?
3) For thix RM xxxx amount, what are my options ? 6/12/24/36 mth ? Some below certain amount, can only be 12 months.
4) Any additional/extra admin charge ?
5) When will the first installment be charge into CC ?

yup, luckily i redeemed on the spot last week at maybankard centre, 1 utama using the old points with discount (coz they no need to post)
RM50 x 3 for 25500 only

now the TP are not that worth it anymore

This post has been edited by alexwsk: Mar 5 2009, 07:17 PM

Will do

Those are very helpful points! I never thought of it also, thanks!

To me, free annual fee for whole life, the service provided by the bank and cash rebate are the three most important things when I consider applying for a credit card.

All the points to me are not so useful. Cash rebate especially for petrol is more meaningful.

Free annual fee for whole life is very important as I don't have to call the bankers to waive my annual fee every year before it expires.

The service provided is very important too. Every time I call to the bank, I hope it will answer my call as soon as possible. I have called before to a bank several times but there was never a person there to answer my call until now.

<< MY LIFE AS AN INSURANCE AGENT >>

This post has been edited by lcl832002: Mar 5 2009, 04:00 PM

still waiting for mbb call center to give me a call, lazy to provide copies of salary slip/etc/etc...

come all all you mbb call center sales rep, confirm customer here, who wants to get this commission???

wait long long

so, mind to share which card do you currently own fits the 3 things above?

I think DA meets above 3 things but too bad i'm not qualified.

Sure. I am currently using VISA and MASTERCARD from Public Bank, MASTERCARD from CIMB and AmBank.

All the cards are free for life absolutely without any condition, except for Public Bank. As long as I am a Public Mutual unitholder, my Public Bank credit cards are free without any condition.

My Public Bank credit cards offer cash rebate although it is not a huge amount. CIMB gives me 2 % cash rebate if I go to Petronas.

So far, their staffs are quite polite especially AmBank in SS2, Petaling Jaya, Selangor.

If you want higher cash rebate for every petrol station in Malaysia, you can try applying RHB Travel Money credit card. It gives 5 % cash rebate for every first Saturday and Sunday of a month, then 2 % for the rest of the days of the month. The promotion is until the end of this June, if I am not mistaken. But bear in mind, RHB service is very bad. I mean the attitude of the staffs. Why am I using its credit card? I just want to enjoy the cash rebate. After promotion period, I will cancel it without hesitation.

Hope my little advice helps you.

<< MY LIFE AS AN INSURANCE AGENT >>

How much is the annual fee for this RHB Travel Money card? Free annual fee for how many year?

If I am not mistaken, the credit card is free for the first two years only. Actually, you can use it until the petrol promotion ends. After that, you just need to call or go to any one of the RHB branches to cancel the card.

If you want to be sure about other benefits of the credit card, you are advised to go to RHB bank when you are free.

<< MY LIFE AS AN INSURANCE AGENT >>

hey insurance guy, blogwhoring? ....
might as well as make it ur signature.. dont have to keep reposting

RHB 2-5% petrol cash back until this june only... RHB free 1 year only la

Thanks for your suggestion, ed0gawa...


I confirm that it is free for two years because the RHB staff called me this evening and told me so after I cancelled my credit card yesterday.