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 Credit Card Thread V6

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WaCKy-Angel
post Mar 4 2009, 12:56 AM

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My Maybank Amex gives 2x points for normal retail
WaCKy-Angel
post Mar 4 2009, 11:21 AM

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QUOTE(jack2 @ Mar 4 2009, 10:20 AM)
I have Maybank AMEX charge card and AMEX is not very famous like Master or VISA.

I like to use AMEX because no late charges will be imposed and interest if late. hehe

Does HSBC Bank have free for life credit cards without any condition?

I would like to cancel my Citibank which always charges me annual fee and I have to call them every year!
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Amex no late charges and interest if late? U sure boh?
WaCKy-Angel
post Mar 4 2009, 04:20 PM

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QUOTE(Gen-X @ Mar 4 2009, 12:34 PM)
Yes and No. It depends. In my Amex Charged Card Statement there is a Payment Due Date stipulated usually on about 16-18th of the month. Most of the time I will bank in my cheque only after the 20th and never got charged for late payment. However if one pay after the Statement Date, then sure interest and late payment will be imposed.
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U mean if u pay after the due date, but b4 the next statement is out then not charges?

Afaik, Amex aka American Express is a charge card and their interest rate is super expensive if u dont pay them full payment..

Maybank Amex, i dont know... i just got mine recently.

QUOTE(jack2 @ Mar 4 2009, 01:01 PM)
Sure, I always late to make payment due to busy schedule. Didn't see there is any late payment or interest charge imposed.
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Good for u....

My Maybank Visa i paid later than 6PM on the same day still get charged late payment fee...
WaCKy-Angel
post Mar 4 2009, 04:22 PM

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Btw.... Does anybody know how to check UOB One card how to check the rebate expiry date?

All it says in the statement is will expiry after 2 years..

Maybank points too how to check?
WaCKy-Angel
post Mar 4 2009, 04:39 PM

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QUOTE(b00n @ Mar 4 2009, 04:25 PM)
You can always phone in to ask for waiver wink.gif
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I did... but i think they didnt waive it so im too lazy to bother it anymore..
WaCKy-Angel
post Mar 5 2009, 10:18 AM

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QUOTE(yott-chan @ Mar 5 2009, 10:06 AM)
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 biggrin.gif

thanks! smile.gif
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No need to call...
Just like doing normal buying only
WaCKy-Angel
post Mar 12 2009, 04:15 PM

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QUOTE(kockroach @ Mar 12 2009, 04:13 PM)
Hi, do HSBC got CDM for credit card payment? Thanks
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ofcourse have
WaCKy-Angel
post Mar 12 2009, 05:03 PM

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QUOTE(RockIron @ Mar 12 2009, 04:35 PM)
Received call from PB card centre today.
They still unable to approve my cc application due to their internal policy(they can't approve cc for a person who hold more than 6 cc from other issuer)
They told me to cancel my existing cc to 6 issuer and wait after 6 month,then they can approve my application.
What a stupid policy....................
Looks like my collection will be without PBB. mad.gif
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U are lucky coz they tell u the reason...

Yes some banks will not approve ur card if u have alot of cards from other bank.
Due to your liabiliti is high already.. the risk of u not paying back the money is high.
WaCKy-Angel
post Mar 12 2009, 06:02 PM

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QUOTE(MilesAndMore @ Mar 12 2009, 05:08 PM)
Yes, just like any other banks you can pay for your credit card bill via the CDM. But in the last couple of months, i have seen more people using their credit card to withdraw cash advance from ATM than paying their credit card via CDM  ohmy.gif  laugh.gif
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sweat.gif sweat.gif sweat.gif
And ended up paying even more interest?
WaCKy-Angel
post Mar 12 2009, 07:03 PM

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QUOTE(RockIron @ Mar 12 2009, 06:04 PM)
I m not a fresh user of cc. All the cc I hold has at least few years of vintage.
I never owe any financial institute a single cent,always paid in full for all my cc usage before due although my usage are heavy.
Also,I do submit my income proof and income tax receipt to them, at least few times above their annual income requirement.
Just can't accept their so call internal policy. mad.gif
Never mind, the worst I open FD account at the bank and apply for cc secured by FD.
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Its normal policy
WaCKy-Angel
post Mar 12 2009, 10:39 PM

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QUOTE(High-End Power @ Mar 12 2009, 10:29 PM)
Anyone have a list of FREE FOR LIFE credit cards?

As i know, there are Maybank Petronas, EON Bank (12x Swipes a year), and AMBANK ...anymore?? I believe there are ALOT more out there...
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CIMB Classic & CIMB Petronas also is free without condition.
WaCKy-Angel
post Mar 17 2009, 12:38 PM

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QUOTE(virgel87 @ Mar 17 2009, 12:16 PM)
hi, i just fresh grad. I just worked for 4 months. If i wan to apply a CC MUST show degree cert ah??  diploma cannot ah?? bcoz i only got diploma cert. hahaa

as i know...PETRONAS Maybankard Platinum Visa is FOC, if i use it for petronas only can get the points. then what can rewards from the points??

CIMB petronas master card rebate is 2%...in a month bum my car is RM120 then is 120 - 2% = 2.4. very months can very RM2.4...

any suggestion i want to apply for CIMB petronas master card or maybank visa?? of course that must FOC la..hehe
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U just need your latest 3 months salary slip and EPF statement.
Platinum? how much is your annual income?

Im currently using UOB for 2% rebate, but now thinking to switch to Maybank Amex for double points to centralise my rewards as im using Maybank Visa too..

UOB rebate can only be use at limited places like GSC or BHPetrol station mart.
Im still wondering which either UOB or Maybank points are more worth it.
WaCKy-Angel
post Mar 18 2009, 03:10 PM

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QUOTE(tinkerbel @ Mar 18 2009, 01:25 PM)
@Reventon,
hMmm.. So U gonna be my full time chauffeur? Now, that's a bargain! smile.gif

@tgeoklin,
I just checked out the 'SCB Guaranteed Gifts' - uhm... it's RM5k + there's only 50 TVs that's being given out.  No good lah.  Stick with Amex better, for now smile.gif
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Tinkerbel u really rich....how u spend so much no need pay back?
WaCKy-Angel
post Mar 18 2009, 03:33 PM

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QUOTE(tinkerbel @ Mar 18 2009, 03:12 PM)
@WaCKy-Angel,
Huh? U know any banks who don't bill their consumers for what they've charged to their cards?  If so, please let me know - I'll love to be their customer smile.gif
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U are rich then
WaCKy-Angel
post Mar 21 2009, 12:02 PM

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QUOTE(Putraskyline @ Mar 21 2009, 03:10 AM)
If I do installment plan to buy laptop on my Amex, do they give me double points?
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I have never heard Amex has installment plan sweat.gif sweat.gif sweat.gif sweat.gif
WaCKy-Angel
post Apr 16 2009, 10:37 AM

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QUOTE(MilesAndMore @ Apr 15 2009, 08:04 PM)
Just registered for the 8X promotion ! This is so great  rclxms.gif
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QUOTE(cute_boboi @ Apr 16 2009, 10:28 AM)
No. This credit card thread is also for the Amex Credit Card (MBB). The other Amex thread is the Charge Card (green soldier card  tongue.gif  )


Added on April 16, 2009, 10:29 am

It is referring to MBB Amex Credit Card, hence MBB TP. Not MR points.
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Erm guys what are u talking about?
What 8x points? where to register?
WaCKy-Angel
post Apr 16 2009, 11:11 AM

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QUOTE(tinkerbel @ Apr 16 2009, 10:45 AM)
@WaCKy-Angel,
Amex having a promotion for petrol & grocery purchases.  Refer to the last few pages for more information, or surf onto www.maybank2u.com.my for more information smile.gif
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Oh found it...

Darn it i just refilled my petrol last night..
Why nowadays banks like to do damn irritating promotion must sms/register only can enjoy promotion?

This post has been edited by WaCKy-Angel: Apr 16 2009, 11:14 AM
WaCKy-Angel
post Apr 16 2009, 11:37 AM

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QUOTE(alexwsk @ Apr 16 2009, 11:15 AM)
read post #863
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QUOTE(cute_boboi @ Apr 16 2009, 11:29 AM)
Thanks  smile.gif

Post #863
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Thx... Damn the website didnt mentioned need a space after 8X....i sent 3 sms only able to register.
wasted RM0.90
WaCKy-Angel
post Apr 16 2009, 12:42 PM

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I got question....

Previously im using OUB Onecard + BHP card for petrol, and MBB Visa for other stuffs..
But recently i just got Amex card and it has 2X points (before this 8X promotion) for petrol.
Im thinking to switch to Amex + Bonuslink Shell or Real Rewards Petronas now...but which combination is more worthy?

Some thoughts to ponder:-
1. UOB get cashback can redeem petrol or GSC ticket
2. Amex got 2X TP
3. BHP card only can use at their station groceries.
4. Bonuslink points expire after 2 years (and their redeem stuffs are not cheap)

I rarely get to earn Bonuslink points else where so its quite hard to earn enough point to redeem stuffs...
But if i us Amex rather than UOB, atleast i can centralise my points at Maybank to redeem more expensive points?

So which should i use?
WaCKy-Angel
post May 3 2009, 12:48 PM

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when is the treatfair?

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