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 Credit Card Thread V6

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jack2
post Jun 1 2009, 11:26 AM

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Besides TM Autopay offers for RM2 rebate, any others offer rebate for auto billing?
jack2
post Jun 1 2009, 08:51 PM

Mr
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How much is the rebate and the rebate is given by UOB itself or TMB?
jack2
post Jun 2 2009, 03:38 PM

Mr
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Just received AMEX charge card statement but I didn't see the 8X points reward for the transactions I did during the month that I registered to 8X via SMS before the transactions date.

Why ar?
jack2
post Jun 2 2009, 05:34 PM

Mr
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I thought is monthly credited ma...
jack2
post Jun 3 2009, 01:56 PM

Mr
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QUOTE(santaclaus @ Jun 3 2009, 11:31 AM)
scb told me i cant cancel my visa plat  shocking.gif
he said its a card free for 3 yrs w/o any condition ... n ask me to cancel it onli after keeping it for 6mths above. wtf is this?

after insisting for cancellation a few minutes ... he said "ok,i will put down the reason as u din actually apply the visa plat" n b4 i finish my question he hanged up  vmad.gif

so if the cancellation being proceed or he juz put tht down n hafta wait another fella to call me to cancel? damn scb la ... so tulan now feeling wanna cancel all their cc n write to thestar bout their stupid service ( but the rebate on titanium stil so tempting  cry.gif )
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Bro, I support you.. Go to cancel all and write to thestar.... damn bad service.
jack2
post Jun 4 2009, 04:45 PM

Mr
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Wonder UOB Platinum is easy to apply?
jack2
post Jun 4 2009, 05:07 PM

Mr
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QUOTE(tinkerbel @ Jun 4 2009, 04:53 PM)
@jack2,
If U meet the criterias listed, it shouldn't be a problem biggrin.gif
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I went to the bank to perform some banking transaction and asked the CS office to check for me. She saw there is one new cc account number in my profile held with them and is Visa Platinum.....

But till to date since I applied, I haven't received any phone call from them to verify my application.
jack2
post Jun 4 2009, 05:31 PM

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QUOTE(anne1222 @ Jun 4 2009, 05:16 PM)
just call the cs n ask wats going on
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UOB credit card application status enquiry is a bit lousy. You need to leave your telephone number and they will call you back after check.

If in UOB phone banking, enter your IC and then key in your phone. They will call you. Not checking through CS.
jack2
post Jun 4 2009, 06:33 PM

Mr
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QUOTE(GHz @ Jun 4 2009, 06:13 PM)
I used to have their preferred platinum card. Their starting credit limit is only RM15k compare to many other bank which is RM20k. I guess it should be easier to apply.
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From the computer system the CS showed me while I was there, it shows 30k limit given. rclxm9.gif
jack2
post Jun 5 2009, 10:17 AM

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QUOTE(alexwsk @ Jun 5 2009, 09:56 AM)
I've just received the JustOne cc, annual fee is based on minimum annual spending of 15k.
As for retail purchases, it mentioned got rebates for all retail purchases but for petrol it only mentioned about Petronas + Esso & Mobil doh.gif
that means petrol is not retail purchases? rclxub.gif

Mostly people will pump for Mobil+Esso ma since they have Smile points. Should be ok what.


As for the debit and credit features, it's clear. The card has two numbers, one for credit - printed at the front of the card and one for debit - printed at the back of the card (debit will need to key in the PIN during transactions)

I also noticed the interest rate printed in the brochure for JustOne current account just dropped by 0.38% compared to the one provided on the website shakehead.gif
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May be they follow current interest rate. AffinPlus current account is still the highest.
jack2
post Jun 5 2009, 06:47 PM

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Just received my UOB Preferred Platinum card today and activated.

But this card does not have cash rebate like One card or SCB Just One in which SCB rejected me while UOB approved me. rclxub.gif
jack2
post Jun 5 2009, 09:16 PM

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QUOTE(winner @ Jun 5 2009, 07:40 PM)
I can't figure out why SCB rejected your application in the first place, as you are qualified for Plat cc from other banks and Titanium requires lower income eligibility. You had cc or other acc with SCB before?
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I had cc with SCB 7-8 years ago and was cancelled more than 6 years. In short, I held their cc for about 1-2 years. No bad records.

May be they checked my credit records and found that I have housing loan which is more than 200k plus. They called me 2 times. First was to ask my details. 2nd was to require me answer my credit records... what are the things I owe to banks....

The result was known 1 day later and declined. Following the result, I emailed them and expressed my unsatisfaction about the decision made.

They asked me to provide my income proof such as Borang B and bank statement..... At last I did not provide and I gave up with the mind that I applied their card not because I don't have any cards. I applied just because I like their rebates. Since they don't offer me, fine and I will just continue to support those banks that appreciating me.

I felt strange that my applications always being rejected if I applied myself either through bank or submitted directly to bank by fax or email.

But those that I applied through roadshow agents, I always get it approved.

So, in appreciating UOB Bank, I will use their card at www.payonline.com.my to pay utilities that I usually pay through AmBank Online.


jack2
post Jun 6 2009, 07:25 AM

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QUOTE(winner @ Jun 6 2009, 05:57 AM)
RM200k home loan is not a big sum. Did your existing cc contain huge outstanding balance or BT yet to be settled when you applied for a new cc? Anyway, you can just neglect the bank in the future as they don't appreciate you as a customer. Their agents may contact you one day to promote their new products as they have already got your details.
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All my credit cards added up and have more than 120k credit limit and there is about 15k on BT and instalments scheme used....May be they thought that these amounts are huge and risky to them.

Anyway, UOB did not call me at all even for verification.

I will not entertain SCB for future products if they call me.... They always called me for personal loans in which I did not entertain also before this application rejection since personal loan's interest is higher than cc BT.

This post has been edited by jack2: Jun 6 2009, 07:26 AM
jack2
post Jun 10 2009, 02:15 PM

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My friend registered for AmBank cash rebate and then pumped the petrol... but he has received the statement but there were no rebate for the transactions made after the registration... why?
jack2
post Jun 11 2009, 06:59 PM

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QUOTE(winner @ Jun 11 2009, 06:41 PM)
Oh yeah…I’ve received an SMS saying my SCB Just1 acc has been approved. It’s time to enjoy the 2% cash rebate and temporarily put all my other cards in cold storage!
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Envying you all can get SBC Just1 and enjoy the 2% cash rebate. They rejected me. KNS cry.gif
jack2
post Jun 12 2009, 10:42 AM

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QUOTE(tinkerbel @ Jun 10 2009, 02:26 PM)
@jack2,
If I'm not mistaken, a forummer in the past has already cautioned the AmBank cash rebate is up to RMX (RM100,000) if I'm not mistaken so perhaps it's oredi been utilised.

Am not too sure though so perhaps you could wait for someone else to respond.

@bingozero,
If the merchant you're getting it from is offering it to U then there's no need to contact the bank.
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Just called to AmBank and the CS told me that probably the 100k has been fully utilised.... I asked where we can see the source to confirm it was utilised and allocated... Answer is No.

Damn, only 1 month+ and so fast finished.... how the hell cardholders spent? shocking.gif

Time to switch back to Amex 8x points on petrol spending icon_idea.gif

This post has been edited by jack2: Jun 12 2009, 10:43 AM
jack2
post Jun 12 2009, 04:10 PM

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QUOTE(JamesPond @ Jun 12 2009, 04:02 PM)
ambank give 5% everyday...
special day on wednesday...giving 10%
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The 100k allocation has been finished.
jack2
post Jun 12 2009, 10:35 PM

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QUOTE(fauzistt @ Jun 12 2009, 09:00 PM)
..pls remember the RM100K is per month, so next month make sure you swipe early (petrol in denomination of RM50 and Hypermarket in RM100)

if i'm not mistaken 1st of July is Wednesday.. go to a Hypermarket, swipe RM500.. and be done with.. move to PB card for next purchases (8X, RM625 equals to RM50 rebates, the max)...
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WTF that the transaction that I did was June 3 and within 3 days habis semua?

Tipu one... I use Amex better.
jack2
post Jun 12 2009, 11:44 PM

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QUOTE(fauzistt @ Jun 12 2009, 11:05 PM)
..dont WTF me, i dont own the bank.. btw, didnt it's your friend that pump the petrol and not you?
huhh, if what you claimed is true, my transactions on the 3rd June- Wednesday, also at risk.. anyway i'll wait for my statement on the 22nd.. probably i'll post it here if i got the rebates; i did receive the rebates for May, as advertised...
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i was not WTF u la.. is the bank.

My friend pumped and he told me he didn't get the rebate. Then I also checked my statement and none also...
jack2
post Jun 13 2009, 12:42 AM

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QUOTE(winner @ Jun 12 2009, 11:59 PM)
I have received SCB Just1 Titanium this late afternoon. I never expected SCB sent me the cc so fast, as I only received their SMS yesterday. I received 2 surprises when I opened the envelope. First surprise, the card looks simple but nice (little bit like World cc). Second surprise, the approved CL is 104% higher than my existing HLB and Citi Plat, and 325% higher than my Alliance!!! SCB is very generous in giving a high CL. Since today is Friday, I swiped the card at Petronas (full tank) and Modestos (happy hours). biggrin.gif
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I am wondering whether SCB will change their terms after knowing many ppl do this way. In this way, can they earn?

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