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 Credit Card Thread V6

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maru
post Mar 28 2009, 01:50 PM

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eating kfc only cost rm10-20

use CC and pay =_=''

ppl who queue behind u might curse u....haha
bingozero
post Mar 28 2009, 02:15 PM

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QUOTE(GHz @ Mar 28 2009, 12:33 PM)
I been in your situation before. The problem is the cashier do not know how to use it. At least it happen to 2 times.
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After that the cashier swap the card.

QUOTE(vin_ann @ Mar 28 2009, 01:24 PM)
it's normal...
never use tht again.... so dissapointed with it...

better use conventional way...
*
So whats the pay pass reader use for? decoration biggrin.gif

QUOTE(maru @ Mar 28 2009, 01:50 PM)
eating kfc only cost rm10-20

use CC and pay =_=''

ppl who queue behind u might curse u....haha
*
Haha, just want to try pay pass, but disappointed doh.gif


lcl832002
post Mar 28 2009, 02:34 PM

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QUOTE(CSS @ Mar 28 2009, 01:50 PM)
Latest promotion for CIMB Petronas MasterCard as of 27th March 2009:

1. 5% rebate on every 1st day of the month and 2%
rebate on other days for spending at all Petronas
service stations.

2. The rebate is capped to a maximum spending of
RM200 or rebate of RM10 on every 1st day of the
month SUBJECT to a maximum spending of
RM2,500 or rebate of RM50 per card per month.

3. 5% rebate is applicable till 31 October 2009.
*
Thanks for your info. I do have a CIMB Petronas credit card. It is free for life absolutely without any condition, unlike other credit cards...
maru
post Mar 28 2009, 03:50 PM

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agent for citibank n ambank...if anyone interested smile.gif
vin_ann
post Mar 28 2009, 05:00 PM

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QUOTE(bingozero @ Mar 28 2009, 02:15 PM)
After that the cashier swap the card.
So whats the pay pass reader use for? decoration biggrin.gif
Haha, just want to try pay pass, but disappointed doh.gif
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u ask kfc management y want take CC, since every1 is paying CASH...
tgeoklin
post Mar 28 2009, 05:06 PM

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QUOTE(vin_ann @ Mar 28 2009, 05:00 PM)
u ask kfc management y want take CC, since every1 is paying CASH...
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Not everybody, me use CC to pay tongue.gif
SUSDavid83
post Mar 28 2009, 05:07 PM

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If you pay using Paypass, the transaction is processed fast compared to conventional swipe. I don't think it's matter.
hye
post Mar 28 2009, 06:25 PM

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QUOTE(tgeoklin @ Mar 28 2009, 12:35 PM)
Actually if you already have 1 or 2 cards which has astronomical limits ie. which already maxed out your perceived financial capability then all subsequent cards will probably come with lower limits, or even rejections in a worst case scenario
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Come to think of it, i don't really mind the lower limit. From another angle, they are giving me 2.2x of the old limit they gave me when I prviously held their card 2 years ago. It is the total package that matters, plus the cash rebates that this card is supposedly to be providing. Will be using trying out the card and see how it goes.

Good experience then keep, bad then cancel the card.
JamesPond
post Mar 28 2009, 07:28 PM

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anyone can clarify the HLB cach rebate?
alexwsk
post Mar 28 2009, 09:07 PM

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QUOTE(bingozero @ Mar 28 2009, 12:05 PM)
Hello,
I use Pay Pass at KFC counter, it fails for me.
Anyone know what reason? Is that a tapping card reader problem or my card problem?
Thank you.
*
so far i managed to use pay pass at Carrefour, last time use at Jusco 1 Utama can't go thru
btw, both the Pay Pass machines belongs to Maybank


Added on March 28, 2009, 9:10 pm
QUOTE(maru @ Mar 28 2009, 01:50 PM)
eating kfc only cost rm10-20

use CC and pay =_=''

ppl who queue behind u might curse u....haha
*
it's your rights ma, if they like, they oso can use cc to pay biggrin.gif

that's the point of having Pay Pass, but then they don't know how to operate it doh.gif

This post has been edited by alexwsk: Mar 28 2009, 09:10 PM
SUSDavid83
post Mar 28 2009, 09:52 PM

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QUOTE(alexwsk @ Mar 28 2009, 09:07 PM)
so far i managed to use pay pass at Carrefour, last time use at Jusco 1 Utama can't go thru
btw, both the Pay Pass machines belongs to Maybank


Added on March 28, 2009, 9:10 pm

it's your rights ma, if they like, they oso can use cc to pay biggrin.gif

that's the point of having Pay Pass, but then they don't know how to operate it doh.gif
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You're referring to Visa Wave or Mastercard Paypass?
ellimist
post Mar 28 2009, 10:33 PM

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Personally I like the concept of Paypass/VisaWave, it's convenient. But yea, it's annoying when they don't seem to know how to operate it.
alexwsk
post Mar 28 2009, 10:35 PM

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QUOTE(David83 @ Mar 28 2009, 09:52 PM)
You're referring to Visa Wave or Mastercard Paypass?
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Sry, actually I was referring to Maybank's Visa PayWave, supposedly is (Pay)pass + Visa (Wave) and can be use at both types of terminal

I'm using the MBB Petronas Visa CC and managed to use that feature at Carrefour USJ

This post has been edited by alexwsk: Mar 28 2009, 10:38 PM
SUSDavid83
post Mar 28 2009, 10:40 PM

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QUOTE(alexwsk @ Mar 28 2009, 10:35 PM)
Sry, actually I was referring to Maybank's Visa PayWave, supposedly is (Pay)pass + Visa (Wave) and can be use at both types of terminal

I'm using the MBB Petronas Visa CC and managed to use that feature at Carrefour USJ
*
You're correct that MBB Petronas Visa is only card that support both Paypass and Visa Wave.

I believe the new yellow terminal from MBB supports both too even though I haven't try Paypass on MBB yellow terminal or MBB Petronas Visa on Paypass terminal.
alexwsk
post Mar 28 2009, 10:50 PM

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QUOTE(David83 @ Mar 28 2009, 10:40 PM)
You're correct that MBB Petronas Visa is only card that support both Paypass and Visa Wave.

I believe the new yellow terminal from MBB supports both too even though I haven't try Paypass on MBB yellow terminal or MBB Petronas Visa on Paypass terminal.
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yea, so far i managed to use the MBB Petronas Visa at Carrefour's MBB Yellow terminal
but i think last yr the same card couldn't work at Jusco's MBB Yellow terminal, i suspect they don't know how to operate it

don't have any Mastercard PayPass card yet
hye
post Mar 28 2009, 10:50 PM

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QUOTE(alexwsk @ Mar 28 2009, 09:07 PM)
that's the point of having Pay Pass, but then they don't know how to operate it doh.gif
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To a certain extent you are right about it. I try my best to use my credit card in place of cash coz at least I get points for my spendings. And from my observations, it's not just the cashier - probably the whole place and staff are not used to their customers using cc thus they don't make an effort to educate the cashier on how to use the system nor their supervisor bothers.

For example, KFC has been a cash outlet for so many years and suddenly they allow customers to use credit card. If the cashier is having problems with the paypass

1. Best scenario, they will slot in the card into the cc machine and you need to sign the slip. (Sometimes the Paypass version also they ask to sign, I don't blame them coz it's likely their supervisor who gave the instruction)
2. They try to slot the card in the machine, something goes wrong and they ask you to pay in cash after a few tries. Likely that you will see that there's only 1 machine working in the entire store. Suddenly all the other machines are not working ?
3. The worst if they will just take the easy way out and say that the machine is out of order but actually it is working just fine.

Burger King outlet accepts cc as well (I go to the one in KLCC). Machines used to be working well and then only 1 works. Now they just tell me that the machine is not working at the moment and it has been the case for many weeks already.

I just can't believe they think that customers are that stupid and this is one of the examples of bad habits within the Malaysian services industry. ohmy.gif We need to get rid of our 3rd world mentalities. vmad.gif
alexwsk
post Mar 28 2009, 11:13 PM

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QUOTE(hye @ Mar 28 2009, 10:50 PM)
To a certain extent you are right about it. I try my best to use my credit card in place of cash coz at least I get points for my spendings. And from my observations, it's not just the cashier - probably the whole place and staff are not used to their customers using cc thus they don't make an effort to educate the cashier on how to use the system nor their supervisor bothers.

For example, KFC has been a cash outlet for so many years and suddenly they allow customers to use credit card. If the cashier is having problems with the paypass

1. Best scenario, they will slot in the card into the cc machine and you need to sign the slip. (Sometimes the Paypass version also they ask to sign, I don't blame them coz it's likely their supervisor who gave the instruction)
2. They try to slot the card in the machine, something goes wrong and they ask you to pay in cash after a few tries. Likely that you will see that there's only 1 machine working in the entire store. Suddenly all the other machines are not working ?
3. The worst if they will just take the easy way out and say that the machine is out of order but actually it is working just fine.

Burger King outlet accepts cc as well (I go to the one in KLCC). Machines used to be working well and then only 1 works. Now they just tell me that the machine is not working at the moment and it has been the case for many weeks already.

I just can't believe they think that customers are that stupid and this is one of the examples of bad habits within the Malaysian services industry.  ohmy.gif  We need to get rid of our 3rd world mentalities.  vmad.gif
*
brows.gif , then we should get rid of Malaysia Boleh mentality first
hye
post Mar 29 2009, 07:40 AM

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HSBC Current Promotion

- Runs from 16th March till 30th April 2009.
- Open to eligible cardholders who receive the mailer and has registered via SMS. (Likely those who did not receive the mailer to be ineligible)
- Need to spend between RM7,500 to RM14,999.99 to receive an additional 8K of points. Or spend RM15k and above to receive 18K additional points. (Note to spend within promotional period)
- Extra points will be credited after the promo period.


aeronlim
post Mar 29 2009, 10:26 AM

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For the paypass card, just want to mention, my CIMB Petronas card got a paypass sign at the back of the card, should be put at the front, like Maybank Petronas, even sometimes the cashier says this can't be used coz no paypass sign sad.gif

@hye

This promotion sounds like the 2x points offered by Maybank AMEX credit card, but the spending criteria is too high.

This post has been edited by aeronlim: Mar 29 2009, 10:33 AM
hye
post Mar 29 2009, 11:47 AM

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QUOTE(aeronlim @ Mar 29 2009, 10:26 AM)
For the paypass card, just want to mention, my CIMB Petronas card got a paypass sign at the back of the card, should be put at the front, like Maybank Petronas, even sometimes the cashier says this can't be used coz no paypass sign sad.gif

@hye

This promotion sounds like the 2x points offered by Maybank AMEX credit card, but the spending criteria is too high.
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PayPass and VisaWave are good potential products but the way the program has been executed is dissappointing. It will end up as one of those hype unless something is done to address the execution problems.

Yeah I agree the spending criteria for HSBC is too high. In these troubled times, you want people to spend RM7.5k just to get extra points ? Gotta be kidding, I rather go for cc products which give me cash rebates.

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