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 Credit Card Thread V6

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tinkerbel
post Mar 24 2009, 04:39 PM

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@tgeoklin,
I hold the Platinum Credit Card, not Charge Card. Well I guess it was me who asked Amex for the increment. I knew I was gonna be spending those $ so I just asked for an increment and they gave it to me. If they didn't give it to me I'll just well, pay up whatever I was owing to clear my credit but since they gave it to me, I just extended my cash flow smile.gif
tgeoklin
post Mar 24 2009, 04:42 PM

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QUOTE(tinkerbel @ Mar 24 2009, 04:39 PM)
@tgeoklin,
I hold the Platinum Credit Card, not Charge Card.  Well I guess it was me who asked Amex for the increment.  I knew I was gonna be spending those $ so I just asked for an increment and they gave it to me.  If they didn't give it to me I'll just well, pay up whatever I was owing to clear my credit but since they gave it to me, I just extended my cash flow smile.gif
*
That's shrewd financial management at its best tongue.gif

tinkerbel
post Mar 24 2009, 04:45 PM

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@tgeoklin,
It was also the same month I mis-calculated and underpaid RM20k to Amex hence had a whopping RM500 finance charges, which of course was finally waived off smile.gif
tgeoklin
post Mar 24 2009, 04:48 PM

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QUOTE(tinkerbel @ Mar 24 2009, 04:45 PM)
@tgeoklin,
It was also the same month I mis-calculated and underpaid RM20k to Amex hence had a whopping RM500 finance charges, which of course was finally waived off smile.gif
*
Now I remember .... you really should convert to the charge card, no need ever to worried abt CL thumbup.gif
tinkerbel
post Mar 24 2009, 04:53 PM

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@tgeoklin,
If RockIron can get me a waiver off the Amex Platinum Charge Card, I'll definitely be making my switch.
tgeoklin
post Mar 24 2009, 04:54 PM

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QUOTE(tinkerbel @ Mar 24 2009, 04:53 PM)
@tgeoklin,
If RockIron can get me a waiver off the Amex Platinum Charge Card, I'll definitely be making my switch.
*
Good luck and let's hope the Rock can come thru smile.gif
tinkerbel
post Mar 24 2009, 04:55 PM

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@tgeoklin,
Yeah I'm keeping my fingers crossed but I have a feeling it may be difficult for him to get so many of us waived *siGh*
tgeoklin
post Mar 24 2009, 04:59 PM

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QUOTE(tinkerbel @ Mar 24 2009, 04:55 PM)
@tgeoklin,
Yeah I'm keeping my fingers crossed but I have a feeling it may be difficult for him to get so many of us waived *siGh*
*
Heh..heh ... I think the Rock may take that as a challenge, for you, anyway tongue.gif
Reventon
post Mar 24 2009, 05:06 PM

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tinky,
you can ask Rocky to get you a Supplementary plat charge card, Free For Life. Haha. I believe he'd glad to do so.
I believe on the 2nd year Amex will not waive the AF , so you consider to keep the card ?

tinkerbel
post Mar 24 2009, 05:10 PM

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@Reventon,
If they don't waive it the 2nd year then cancel it lor *grins* I want it only because muAhahAHah I want to continue accumulating my Membership Rewards tongue.gif Er.. well if Rocky wants to give me a Supplementary, by all means Y not?!

In fact, anyone who wants to make me their Supplementary cardholder, please just PM me and i'll provide all necessary details smile.gif
Reventon
post Mar 24 2009, 05:28 PM

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hm, watch out the term and condition from Rocky , lol.
request for upgrade to plat maybe possible, i hold master & visa plat, Amex plat cc and gold charge from Mbb,all heavily abused card tongue.gif for many years already. The only thing is i doesn't wish to pay 2k for the annual fee. Should help if call in to plat charge card call centre and express the interest on that plat charge card. Problem is maybe no AF waiver will be offered if request accepted.


MilesAndMore
post Mar 24 2009, 06:00 PM

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QUOTE(Reventon @ Mar 24 2009, 05:28 PM)
hm, watch out the term and condition from Rocky , lol.
request for upgrade to plat maybe possible, i hold master & visa plat, Amex plat cc and gold charge from Mbb,all heavily abused card tongue.gif for many years already. The only thing is i doesn't wish to pay 2k for the annual fee. Should help if call in to plat charge card call centre and express the interest on that plat charge card. Problem is maybe no AF waiver will be offered if request accepted.
*
About the RM2k annual fee, any benefits associated with this card besides just some extra point and some memberships to some clubs ? More and more people are ditching the AMEX Plat Charge in favor of AMEX Gold Charge in the States since it doesn't offer much anymore since recently. USA issued AMEX Plat Charge comes with many benefits such as airline lounge access (extremely popular in US) and complimentary seat upgrade to domestic First Class and much more. There was some complains from some frequent flyers that AMEX Plat Charge holders soon won't get to enjoy these anymore.

This post has been edited by MilesAndMore: Mar 24 2009, 06:06 PM
jack2
post Mar 24 2009, 06:45 PM

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Alliance Bank rejected my application on Younique card... rclxms.gif

According to the sale agent, they claimed that if previously I have cards with them and canceled, the new application needs to be done 6 months after the cancellation.

Otherwise, it will be rejected.

No matter what reason it is, I have no opportunity to earn the 2% rebate liao..


Never mind... continue using my Ambank and AMEX charge card.
WhiteWing
post Mar 24 2009, 09:24 PM

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Today I got one e-mail from CimB bank woh ... said like something promotion .... nothing meaning right since I apply credit card for last week wednesday ??
tgeoklin
post Mar 25 2009, 06:52 AM

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QUOTE(MilesAndMore @ Mar 24 2009, 06:00 PM)
About the RM2k annual fee, any benefits associated with this card besides just some extra point and some memberships to some clubs ? More and more people are ditching the AMEX Plat Charge in favor of AMEX Gold Charge in the States since it doesn't offer much anymore since recently. USA issued AMEX Plat Charge comes with many benefits such as airline lounge access (extremely popular in US) and complimentary seat upgrade to domestic First Class and much more. There was some complains from some frequent flyers that AMEX Plat Charge holders soon won't get to enjoy these anymore.
*
If its free lounge visits, then the SCB Visa Infinite is definitely the card for you as it comes with unlimited free entrance to all lounge worldwide plus the most extensive golf program ever tongue.gif

In fact its the best card of its class in M'sia, period biggrin.gif

This post has been edited by tgeoklin: Mar 25 2009, 07:30 AM
aeronlim
post Mar 25 2009, 08:51 AM

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@WhiteWing

Last time, when i'm applying UOB One Card, they sms me the latest promotion even i still haven receive the card, after 1 week of that sms, i get the card.

So it is a good sign, u should receive your card in these few days smile.gif
WhiteWing
post Mar 25 2009, 11:06 AM

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QUOTE(aeronlim @ Mar 25 2009, 08:51 AM)
@WhiteWing
Last time, when i'm applying UOB One Card, they sms me the latest promotion even i still haven receive the card, after 1 week of that sms, i get the card.
So it is a good sign, u should receive your card in these few days smile.gif
*
Thank you so much for your replied Aeronlim,I received the e-mail yesterday only and they also got latest promotion. Haha .. if after 1 week I will receive my card then I will you people know how was the CimB work ...
Good sign rclxm9.gif
eddievh
post Mar 25 2009, 11:15 AM

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Card sifu,let say if i wanna call up and ask for annual fee waiver and my card expiry is on June 2009. I shall call them before annual fee appear on my statement ot after it appear on my statement? Never call up before normally i just cancel it,this time i wanna try to ask for waiver.

Thank you.
tinkerbel
post Mar 25 2009, 11:16 AM

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@eddivh,
Call them only after the fees been reflected in your statement smile.gif
eddievh
post Mar 25 2009, 11:20 AM

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If they don't want to waive it? I need to threaten to cancel it is it? Wanna learn dity tactic from sifu smile.gif

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