Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

 Credit Card Thread V6

views
     
bingozero
post Jun 19 2009, 04:08 PM

♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥
*******
Senior Member
4,522 posts

Joined: Jan 2009
QUOTE(he-sham @ Jun 19 2009, 03:50 PM)
i just applied AMEX Gold CC from maybank....if u're existing maybank cc cardholder & Saving account, no need any document...just fax them back only the application form....

this card is good...becoz it combine all the benefits....... no need to choose between rates,rebates & rewards like Alliance bank younique CC....all in one card...(of coz no rebates la...but still ok what)...

i hope can get this card ASAP...so that can register for the AMEX 8x points promotion for petrol & groceries.....
*
Is this card free for life, does it have condition?
cenkudu
post Jun 19 2009, 04:33 PM

Regular
******
Senior Member
1,206 posts

Joined: Jan 2008
QUOTE(he-sham @ Jun 19 2009, 03:50 PM)
i just applied AMEX Gold CC from maybank....if u're existing maybank cc cardholder & Saving account, no need any document...just fax them back only the application form....

this card is good...becoz it combine all the benefits....... no need to choose between rates,rebates & rewards like Alliance bank younique CC....all in one card...(of coz no rebates la...but still ok what)...

i hope can get this card ASAP...so that can register for the AMEX 8x points promotion for petrol & groceries.....
*
you send it to the fax number of Maybank CC Centre?
he-sham
post Jun 19 2009, 04:48 PM

1-2-3-4
******
Senior Member
1,248 posts

Joined: Jul 2005


QUOTE(tinkerbel @ Jun 19 2009, 04:05 PM)
@he-sham,
Do U know the processing period?!
*
nope...i not ask the person in charge about it...

QUOTE(bingozero @ Jun 19 2009, 04:08 PM)
Is this card free for life, does it have condition?
*
in their website mentioned, "Lifetime Fee Waiver with complimentary supplementary cards."

i also not sure la...means that we must apply/have supplementary card to be eligible of lifetime fee waiver or what....

QUOTE(cenkudu @ Jun 19 2009, 04:33 PM)
you send it to the fax number of Maybank CC Centre?
*
i call 03-22958877 (the number as in their website)...the guy asked me to fax back the form to 03-22820373...

This post has been edited by he-sham: Jun 19 2009, 04:48 PM
tinkerbel
post Jun 19 2009, 05:04 PM

Fanaddict!
Group Icon
VIP
13,495 posts

Joined: Dec 2006
From: KL, Malaysia


@bingozero,
It's FREE for life biggrin.gif
bingozero
post Jun 19 2009, 06:23 PM

♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥
*******
Senior Member
4,522 posts

Joined: Jan 2009
QUOTE(tinkerbel @ Jun 19 2009, 05:04 PM)
@bingozero,
It's FREE for life biggrin.gif
*
My annual income only 18K per year.
It is hard to apply AMEX. cry.gif

alexwsk
post Jun 19 2009, 06:31 PM

Look at all my stars!!
*******
Senior Member
4,090 posts

Joined: Jan 2003
From: USJ


SCB JustOne update:

Successfully swipe at Shell at the cashier counter - have to ask the cashier to pass me the machine as i cannot see clearly, conclusion is need to press the Green enter button

will see next week whether swipe manually like this has rebate or not
tinkerbel
post Jun 19 2009, 06:57 PM

Fanaddict!
Group Icon
VIP
13,495 posts

Joined: Dec 2006
From: KL, Malaysia


@bingozero,
In that case, wait a couple of years until you qualify biggrin.gif Am sure you're still v young biggrin.gif Also, make sure u don't get urself into the CC trap a lot of youngsters fall prey too !
Crystalkhor
post Jun 19 2009, 07:31 PM

New Member
*
Junior Member
23 posts

Joined: Feb 2009


Does redeem points at damansara there hv lower redemption point. I want to change jusco voucher. I hv about 400k treatpoints.
Gen-X
post Jun 19 2009, 07:53 PM

Lifetime LYN Member
Group Icon
Elite
8,601 posts

Joined: Jan 2003
From: KL

QUOTE(cenkudu @ Jun 19 2009, 04:33 PM)
you send it to the fax number of Maybank CC Centre?
*
yes you can fax in your application form to AMEX. Actually, you can apply CC with most banks by just faxing in your application forms. Just call customer service and if you can't download the application form they will fax to you the form and you can just refax back to them.

I also faxed in my AMEX Gold CC application form to the number as mentioned by he-sham.
maru
post Jun 19 2009, 08:03 PM

Regular
******
Senior Member
1,191 posts

Joined: Sep 2004


hi wan to ask if apply Hong Leong credit card or RHB credit card

what is the condition to get annual fees waived ?
cenkudu
post Jun 19 2009, 08:12 PM

Regular
******
Senior Member
1,206 posts

Joined: Jan 2008
QUOTE(he-sham @ Jun 19 2009, 04:48 PM)
i call 03-22958877 (the number as in their website)...the guy asked me to fax back the form to 03-22820373...
*
by the way you mentioned existing MBB CC holder can apply without other supporting docs. how you indicate that in the form?
winner
post Jun 19 2009, 09:30 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(alexwsk @ Jun 19 2009, 06:31 PM)
SCB JustOne update:

Successfully swipe at Shell at the cashier counter - have to ask the cashier to pass me the machine as i cannot see clearly, conclusion is need to press the Green enter button

will see next week whether swipe manually like this has rebate or not
*
It sounds great. Finally some Shell stations accept this cc. I've just pumped full tank at Petronas and purchased groceries for the whole week as I don't wanna miss the 5% rebate on Friday! biggrin.gif

Gen-X
post Jun 19 2009, 10:43 PM

Lifetime LYN Member
Group Icon
Elite
8,601 posts

Joined: Jan 2003
From: KL

QUOTE(New Hank @ Jun 19 2009, 09:44 PM)
Anyone can answer this question?

American Express® Gold Credit CardEveryday is More RewardingAnnual fee:
Lifetime fee waiver
Minimum annual income:
RM36,000

Points collected from this card is TREATPOINTS OR MEMBERSHIP REWARDS? If ME Points, is it good? Treatpoints 8000 can redeem RM50 shopping vouchers. How about ME points?
*
AMEX Gold CC points are Membership Rewards (MR) points. As for your question on RM50 shopping vouchers, here are some examples:

7,500 points for RM50 Coca Restaurant
8,500 points for RM50 DOME voucher
9,000 points for RM50 Robinson, Metrojaya, TGIF voucher
9,500 points for RM50 Guardian, Watson, Parkson voucher
10,000 points for RM50 Petronas, Tesco voucher

For more info, go to Amex website and click on Membership Rewards

The reason why I want Amex Gold CC is purely because of 5x reward points for petrol, groceries and books (presently Amex charged card having promotion 8x for petrol and groceries but ending soon). There is no gimmick here, other CC gives you 5X or 10X points only on certain days in a month (how to remember?) where as Amex you get 5x everyday of the month.

Why is the 5X membership reward so good? Well AMEX allows you to convert your MR to cash rebate. For every 200 MR you can get rebate RM1

Click here for Amex Cash Rebate

Here are some examples.

GROCERIES

Spend RM200 on groceries you get 1000 MR and convert to cash rebate you get RM5. That's 2.5% rebate on your groceries. No limit per month and no AF

PETROL

Petrol RM1000 a month = 5000 MR, with Amex cash rebate i can get RM25 or 2.5% Better than DA by 0.5%

I pump at Esso, every RM1000 i get RM15 petrol or 1.5%

Therefore with the Amex cash back redemption and Esso points, I get 4% rebate for petrol. Free money which is 100% tax free (as of date).

Note: if you redeem vouchers instead of cash rebate, the actual % you get in return will be higher.

This post has been edited by Gen-X: Jun 19 2009, 10:50 PM
alexwsk
post Jun 19 2009, 11:14 PM

Look at all my stars!!
*******
Senior Member
4,090 posts

Joined: Jan 2003
From: USJ


QUOTE(winner @ Jun 19 2009, 09:30 PM)
It sounds great. Finally some Shell stations accept this cc. I've just pumped full tank at Petronas and purchased groceries for the whole week as I don't wanna miss the 5% rebate on Friday! biggrin.gif
*
i thk can pump at all shell, but must go inside counter and tell the cashier how to punch the terminal
Michael_G
post Jun 19 2009, 11:28 PM

Getting Started
**
Junior Member
160 posts

Joined: May 2009
QUOTE(arsenal @ Jun 19 2009, 01:02 AM)
DA....easier to apply it and then apply for another cards...
*
but i heard u guys said DA only for degree +++.. im only diploma le...

QUOTE(Gen-X @ Jun 19 2009, 01:09 AM)
You:nique card 9% option

Your finance charge is only 9% p.a. for the first 12 months, and thereafter it is subject to your payment behavior in accordance with Bank Negara tier interest guidelines. If you consistently make minimum payment every month, the finance charge remains at 9% throughout the tenure of the card.

From above, after the 1st year, it says if you consistently make minimum payment then you enjoy the 9% interest. What if you pay more than the minimum payment?

Rule No.1, do not have outstanding balance.
Rule No.2. see Rule No.1

You:nique card 2X rewards

Means you get twice the reward points as compared to the cash rebate option. If you ask me, just forget about this option and take the cash rebate option where you get cash back and reward points.

You:nique cash rebate

Please note that the cash rebate is based on tiers and up tp 2%. If you have read previous post in this thread, the max cash rebate is something like max RM68 where no cash rebate is given if you spend more than RM5K for each statement period.

Click here to read more on my comments on You:nique

Direct Access Card - if you are a graduate or member of some profesiional board you will get free for life annual fees without any conditions attached.
Since you spend so much, may i suggest that you get an AMEX Gold Charged Card (because Plat Charged Card hard to get AF waiver) where you won't technically have a credit limit and at the same time they do have pretty good offers (presently 8X rewards points for petrol and groceries) and the "cash back" in terms of redemption is 1.5% if you sign up for 3X Turbo irregardless of how much you spend.

Click here for more info on Amex Cash Redemption
*
Genx i dun spend much and my income very low. and i only got diploma cert. im only plan to use the CC more on petrol. my petrol every month average only RM200. which card should i take can i get any advice from u guys? let say if i take You:nique cash rebate and i pay my bill on time do i need to pay any extra charges? and what charges for annual? in a year i swipe 12times den i no need to pay the annual? then how bout PA for cash rebate and what does PA mean? rclxub.gif where can i find the full term and condition? i wanna read bout it tongue.gif so i can understand more. hehe
SUSDavid83
post Jun 19 2009, 11:37 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
New version is up and running.

Please move forward to v7.

Thank you.
tinkerbel
post Jun 19 2009, 11:38 PM

Fanaddict!
Group Icon
VIP
13,495 posts

Joined: Dec 2006
From: KL, Malaysia


@David83,
Yeah I just saw it. You sangat cepats! biggrin.gif
SUSDavid83
post Jun 19 2009, 11:40 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(tinkerbel @ Jun 19 2009, 11:38 PM)
@David83,
Yeah I just saw it.  You sangat cepats!  biggrin.gif
*
Ha! Ha! Considered slow.

This version has 40+ posts excess!
tinkerbel
post Jun 19 2009, 11:50 PM

Fanaddict!
Group Icon
VIP
13,495 posts

Joined: Dec 2006
From: KL, Malaysia


@David83,
Er.. what's the usual limit? 2,500 post?! oK.. let's stop spamming. I think b00n will be closing this thread d next time he logs on biggrin.gif
SUSDavid83
post Jun 19 2009, 11:52 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(tinkerbel @ Jun 19 2009, 11:50 PM)
@David83,
Er.. what's the usual limit?  2,500 post?! oK.. let's stop spamming.  I think b00n will be closing this thread d next time he logs on biggrin.gif
*
2500 posts usually.

Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0227sec    0.49    6 queries    GZIP Disabled
Time is now: 29th November 2025 - 06:50 AM