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 Credit Card Thread V6

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ronnie
post May 11 2009, 02:49 PM

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QUOTE(mustang @ May 10 2009, 11:33 PM)
Have anybody encountered DA card been rejected at petrol station after numerous visits to petrol station at the same day?

Some extra notes (all happen at the same day)
- There is still a long way to go before reaching my credit limit.
- I tried once and I canceled the transaction. After which I went to another petrol station to fill up. After ard 2-3 hrs of driving, I refill my petrol at another pump and this time, it start to fail. How I verify is I made another visit to another different station.

Question:
- Is there a certain limit where we can only make for a day?

thanks
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My problem was the stupid chip for the Mastercard. Maybe the Petronas readers "destroys" it after prolong usage...
Just ask for my 3rd Mastercard replacement...lucky it's FREE.
ronnie
post May 14 2009, 10:19 AM

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To Giant-citibank Credit Cardholdders

How does Giant Citibank rebate work ?
Do they credit the rebate in the same billing cycle or next billing cycle ?
ronnie
post May 14 2009, 02:39 PM

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QUOTE(cute_boboi @ May 14 2009, 02:23 PM)
That day help my friend pump Petronas (he pay cash  tongue.gif  )

After swipe MBB Petronas Visa, now it prompts out please swipe Mesra card. I don't have Mesra card. So, what does it mean ?
i) Get 5x TP and Mesra points ?  drool.gif
ii) Get lesser TP and Mesra points ?  doh.gif
iii) No TP ?  doh.gif
iv) Petronas will have system to distribute points ?  hmm.gif

I know TP and Mesra points are different.
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Mesra points is given by Petronas to have more people use Petronas
TreatPoints is given by Maybank to ensure people use their Maybank CC

No conflict, right ?
ronnie
post May 16 2009, 11:42 AM

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QUOTE(deitel73 @ May 16 2009, 10:46 AM)
Hi anyone aware there is a new CIMB Enrich World master Card ??
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Been out for a 6+ months,right ? RM150k per annum to get it
ronnie
post May 17 2009, 09:51 PM

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QUOTE(stupor23 @ May 17 2009, 08:29 PM)
question:

can you tell whether a card is a principal or supplementary by the 16 digits? how does it work then if i were to apply for a card and i send them a supplementary photocopy..would that work as well?
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Don't try to cheat a system created by banks....Of course the bank would know. unless you just want the sign-up free gift.
ronnie
post May 18 2009, 09:50 AM

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Direct Access is giving out gifts for spends >RM20,000 from 18 May 2009 to 18 August 2009.

Attached File  Card_usage_programme_press_ad_HPFC_vertical__05.pdf ( 190.19k ) Number of downloads: 31



This post has been edited by ronnie: May 18 2009, 09:54 AM
ronnie
post May 18 2009, 02:15 PM

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I applied for Giant-Citibank card on Friday and just got a call from Citibank to ask me some details like home address, home tel, office tel, agent's name... should be ok right ?

This post has been edited by ronnie: May 18 2009, 02:16 PM
ronnie
post May 18 2009, 05:05 PM

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Maybank like to give pre-approved cards. My sister got her MBB-Petronas card that way wink.gif
ronnie
post May 19 2009, 08:44 AM

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QUOTE(khlee @ May 19 2009, 07:09 AM)
I got my AF waived by emailing to CS. The condition is to spend min 12 times in current year or the AF will be reinstated. The supplementary card attached to this Citibank Shell Card also enjoy the same privilege. I saved almost RM300 on AF (RM195 + 100). This is my second year with them.

I prefer cash rebate because once the amount reaches RM20, your rebate will be reflected in the next month bill. No need to request for it. Some months I'm getting more than RM100 rebate and with the AF waiver, it's a good deal to me.
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Reason why I don't like Shell-citibank is waiting to accumulate the rebate to minimum RM20 before it is credited into your account.
RM20 = 2% x RM1000 spending, right ? Unless you pump such high amount in a single billing cycle.

With my Direct Acess Mastercard, the 2% rebate is credited back onto the same billing cycle on petrol purchases from any Petrol station you prefer.
Eg.
Billing cycle is from 15 May to 14 June 2009
Total petrol used in this period is RM500.00
At 14 June 2009, I can see credit of RM10.00 (2%).

Further more DA is Free-For-Life wihtout needing to email or call CS to waive it...
ronnie
post May 19 2009, 08:46 AM

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QUOTE(khlee @ May 19 2009, 08:27 AM)
Not only from shell purchase - from the total spending for the month.
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But you still need to spend at least one transaction with Shell to get it credited it back to you.
Try it if you don't believe.

If you purchase a LCD TV worth RM10,000 and no Shell purchases, you get 1% back = RM100 but it will never get credited back.
ronnie
post May 19 2009, 10:51 AM

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QUOTE(zenwell @ May 19 2009, 09:53 AM)
my company bank-in our salary to CIMB bank. recently myy colleague who is a fresh grad wants to apply cc and she applied for CIMB petronas. besides asking for all the standard documents like payslip etc, they also ask for her printed bank account statement. since our salary is banked into the same bank, why can't they just checked from the system? So troublesome to go to the bank to get a printed statement? Does every first time cc application need to provide this? I don't think i had to last time.
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Credit department is separate from the banking department... though in the same bank. That's life.
Would you like the Credit Card department to take money out of your Savings accounts when your balance is overdue without your knowledge ?
ronnie
post May 20 2009, 08:46 AM

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The cashier should ask if you want to pay via Credit or via Debit. But the cashier must be trained to ask..else it's up to the Cashier to punch whatever he/she likes.
ronnie
post May 21 2009, 09:41 AM

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QUOTE(rayfoo @ May 21 2009, 08:44 AM)
GSC come out with co branded card with EONBANK, for movie lovers, I think it's a good deal, can get discounts for tickets purchased and lots of other goodies smile.gif
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Does it work for e-payment ticketing to get discounts ?
ronnie
post May 22 2009, 02:16 PM

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QUOTE(tgeoklin @ May 22 2009, 02:08 PM)
One of my friend just got converted to it as her CL touched the RM50K mark and per what she said, CIMB will be slowly upgrading all its members who meet the criteria subjected to active utilisation. But it may take somewhile since they do have lots of members.
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Ohh... then there's will be alot of CIMB World Mastercard holders then... do they have Direct Access World Mastercard also ?
ronnie
post May 28 2009, 02:24 PM

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Which more prestigious : DA Platinum Mastercard or DA World Mastercard ?
ronnie
post May 31 2009, 11:23 PM

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QUOTE(bingozero @ May 31 2009, 06:47 PM)
All of my credit card I already rub off the 3 digit behind the card, there is no problem at all thumbup.gif
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How you gonna use your CC to buy online ?
ronnie
post Jun 8 2009, 03:03 PM

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QUOTE(David83 @ Jun 8 2009, 02:13 PM)
I received a EzyCheque from Maybank. It's based on my Maybank CC.

One-time interest paid (cash advance fee) at 3.88% with 6-month installament programme. The amount is RM 2000 only.
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Throw it away... it's evil.
Bank had to resort to such "dirty" tactics to make you poorer
ronnie
post Jun 8 2009, 11:06 PM

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I usually make it a point to call CS to tell them where I maybe using the card.

Eg. Let's say I'm in Australia and called CS before my trip...if a fradulent transaction is done in Malaysia...it's a fraud, right ?
ronnie
post Jun 10 2009, 08:26 PM

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Maybank called me this afternoon to offer me a Free-For-Life Maybank Petronas Visa.... If I use this card at Petronas, can I get 5X TreatPoints and Mesra points via Kad Mesra ?
ronnie
post Jun 11 2009, 01:12 PM

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I called Kad Mesra hotline to see if I can collect Mesra Points on top of the TreatPoints. The answer is resounding YES
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