My Credit Cards Have Come Full Circle – It’s Time To Move On


The very first “credit” card I managed to get was the American Express Green Charge Card in 1988 while I was still an undergraduate pursuing an Engineering degree in USA. I was upgraded to AMEX Gold Charge Card just before I graduated 🙂 Every time I see my AMEX Charge Card, I get “shiok sendiri” sensations because it states Member Since 88; and if you have been following my blogs the past years, you will know that I am really into the number No.8 🙂

However, I have not been using my AMEX Gold Charge Card for years ever since I got the Maybank 2 Platinum Cards (AMEX Plat + Visa Plat) and subsequently the Maybank 2 Cards Premier (AMEX Reserve + Visa Infinite).

Last year when I called AMEX to request for Annual Fee Waiver for my Gold Charge Card, my request was initially declined; but with my excellent begging skill, I managed to get the AF waived in full. This year (2016), once again I had to call AMEX to get the annual fee waived, however, this time I was told that because I failed to spend RMX amount with it, my request would not be entertained.

So, with a broken heart, I had no choice but to break off the long term relationship I have had with my AMEX Gold Charge Card. With much sadness, I instructed the Customer Service representative to terminate my Gold Charge Card immediately as it would be stupid of me to pay the annual fee and not getting any benefit in return. The CS rep then suggested that I downgrade to the Green Charge Card which is FREE FOR LIFE! I then asked whether the card would still have Member Since 88? And she said YES!!! Without any second thoughts, I immediately agreed to be downgraded – it’s FREE FOR LIFE and best of all I will still get to brag that I have been an AMEX Member Since 88 🙂

Now, most of you know that I have retired; therefore, I have no monthly pay slip, this makes it very hard for me to get a new credit card with an issuer which I have no current credit cards with (e.g. AEON and AmBank).

When we retire, our expenses would reduce drastically and we may not use our credit card as often. What we want is basically a credit card for convenience and emergency cases, therefore, I would suggest that you never ever terminate any of your FREE FOR LIFE (without any conditions whatsoever) credit card(s); because, once you have no salary, it is almost impossible to get a credit card from a new issuer.

Always remember – Cheap No Good, Good No Cheap, FREE IS THE BEST!

I would think that it is best to get FREE FOR LIFE credit cards from Maybank (e.g. Maybank 2 Plat/Gold Cards – AMEX + MasterCard/Visa) and CIMB. Reason being, these are the two largest banks in Malaysia; and thus the possibility of it being around in another 20 or 30 years from now is very good. AmBank credit cards are currently very good since they are also FREE FOR LIFE; but, do you think AmBank would still be around 30 years from now? I would think that it would most probably be merged with other bank(s) sooner or later. Having said this, you should still get AmBank credit card today as they are FREE FOR LIFE 🙂

Coming back to my latest AMEX Green Charge Card, I have now come full circle as far as “credit” cards are concerned. And I take it as a sign telling me to move on, haha.

For the last few months, actually since last year, I have been telling myself that my articles teaching you guys how to earn pocket money will be of no significance later in your life – that’s a fact. Most probably, the only articles that I have published that would benefit you in the long term are the following articles:

Children Education Path – in this article I mentioned that the only reading material you really need to teach your children is Ladybird Peter & Jane series. And by sending your children overseas to world class universities, there is a possibility that you will end up lonely as your children would be working somewhere else on planet earth.

Spending Your Children Future Inheritance – in this article I have taught you that you better go burn your money to accumulate happy memories for your old age and more importantly you can’t take your money to the grave. And if you do not spend your money to enjoy life to the fullest and leave it to your children, you would be pissed off big time in your grave and would try to dig yourself out of it when your child goes and spends your money on other people that are not grateful to you.

The Secret To Eternal Happiness – in this article, the most important message is that you must die happy!

Maybank 2 Cards Premier – those of you who applied for the Maybank 2 Cards Premier after reading my articles on it, would most probably have managed (or will be able) to redeem Business Class ticket(s) for FREE where you otherwise would only fly Economy Class.

With the above mentioned matters and in particular with me coming full circle on credit cards, I regret to inform you that I have decided to stop publishing new articles on matters relating to credit cards and how to earn you pocket money.

I most probably won’t be renewing the Dotcom website come December 2016; therefore, it should be automatically converted to I will let it run for now so other people can still benefit from the articles published.

All the posts in my GenXGenYGenZ Facebook Page will remain as it is for now. You can still message me and please do share good stuff with me; but, I will not necessarily reply or entertain your messages.

As for my GenX Spirits blogs (WordPress and Facebook), they have been deleted (or already in the process of being deleted).


Over the years, many of you have taken the trouble to thank me for my articles and I truly appreciate them. I have made some wonderful iFriends too where many of them share and teach me stuff.

Once again, I would like to thank the following people who have touched my heart in one way or another:

Aanies Contessa, Aaron Lee, Aaron Ng, Aaron Patrick Xavier, Aaron Tang, Adrian Lee, Adrian Soo Yih Ming,  Adrin Low, Afiq Xilantra Azmi, Ahmad Khairuddin Ismail, Aik Chun Tan, Alan Lim Tze Guan, Alan Ling, Alex Ho, Alex Lam, Alfred Khew, Alicia Kok Yu Ming, Alicia Quek, Allan Tky, Allen Sim, Allison Teoh, Alvis Lee, Andre Ooi, Andrew Woo, Andy Gen, Andy Lim, Andy Lye, And Giang Poh, Ang Kok Keong, Ann Lee, Anna Lim,  Anter Tey, AnQi Chew, Arvin Mogana, Asa Mi, Ayam Sam.

Barlog Teoh, Baskaran Basky Palgunen, Bayon Kit, Ben Yap, Ben Yu Yung Ching, Benjamin Jia Ming, Benjamin Son, Benjy Tan, Boon Hau, Frian Hong.

c teo, C F Lai Eric, Catherine Lim, Carman Lau, Carmen Lim, Cedric Kok Kee Wong, Cee Elle, Celeste Lee, CH Lau, Chan Hua Chin, Chan Wai Hong, Chan Wai Yoong, Chandler Kwek, Charles Lee, Chea Yee, Chee Chiew Wong, Chee Kian, Chee Poh See, Chen Hsian Hooi, Chen Siew Ping, Cheng Jit Ming, Cheng Leong Liew, Cheng Shan Chung, ChengWei Lau, Cheong Kwok Wah, Chew Ann Yuen, Chew Kian Peng, Chew Mei Leong, Chewie Kheng Yee, Chin Chun How, Chin Hong, Chin Theng Mee, Chin Yit, Ching Aik, Chong Kock Tong, ChoonKee Wong, Choon Seng Lim, Chris Teoh, Christine Heng, Christine Ong, Chua SY, Chun Han, Chun Hua H’ng, Ck Chin, Cindy Cheok, Cindy Liew,  CrossPlane Rumble, Cougman Chan.

Daniel Devaraj Arul, Daniel Lee, Danny Lai, Daren Teo, Darrell Lim, Darren Lim, Darren Loh, David Chua, David Jalleh, David Lim, Darien Fawkes, DC Bandara, Derek Kf Law, Derek Law, Dexter Ng Yong Hau, Dk Bandara Dwansno Eckree, Dimitry Foo, Donovan Low, Dzulhelmi Ismail.

Echa Mohamad, Eddy Loh, Edmong Wong, Edmund Teng, Edmundo Yoong, Edwin Bernard, EeVonn Siow, Ellie Sam, Elvin Wong, Encik Fitri, EngHwa Tan, Eric Ee, Eric Lau, Ethan Tee, Eugene Lim, Ez Wong, Ezra McQueen.

Fahruddin Najumudeen, Fe Leon, Felicia Loo LY, Felicia Pang, Felix, Felix Jong Chuan, Fion Tan, Flora Foo, Frank Tan.

Ganesharatnam Chandra Sekaran, Gerald Yeoh Kian Hon, Giko EE, Gim Howe Low, Ginny Wong, Glax Tan, Glenn Ng, Goh Lai Heng.

Hadi Hafidzi Mohd Radzi, Han Sia, Hani Bani, Hanim Karim, Haril Baharom, Harmeet Singh, Harvin Kumar, Helmi Rakim, Hii King Leong, Ho Yew Seong, Hong Tw, Hong Peng, Hsien YeeTan, Hua Kiong Sze,

Irfan Rahman, Iris Cheong Yenn Lih, Iven Chai, IVy CheE, Ivy Jey, Ivy Loh.

Jackson Ang, Jade Lee, Jaden Ng, James Low Chia Chun,  JAson Tay, Jason Tong,  Jeff Koh, Jeffrey Ong, Jenna Siow, Jennifer Hooi, Jennifer Tang, Jerie Lim, Jia Jie, Jia Wei Yong, JiaSian Rachel Tan,  Jinn Thin, Jimmy Chee, Joan Tan, Joey Chin, John Foster, Jojo Kong, John Von Leon Lee, Jonathan Poh, Jonathan Wong, Joom San Tan, Joseph Lee, Joss Dice, Joyce Lee, Jr Jie, JS Tan, Julie Lim, Julius Wong, Jun Han, Justin Hiew.

Ka Loon Thien, KahHeng Lim, Kam Daniel, Kam Hui Ching, Kamarrizmi Kamil, Kar Meng Lai, KarYeow Lim, Kc Fong, Kean Loon Ho, Keat Wei, Kellyn Ho, Kelvin Tan, Ken Chin, Ken Wong, Kenji Fatt Kiong, Kenneth Chew, Kenneth Ho, Kevin Koay, Kenzo Tan, KH Wong, Khairil Othman, Khaw Seek Chuan, Khee Kuan Chen, Khoo Sally, Kia Heang Hng, Kim Har, King Liang, Khor Eb, Khu Chee Sing, Koay Kai Siew, Kok Seng, Kok Wei Lee, Kuan Cheng Lau, Kwan Yee, KweiYee Wong.

L Sze Hue, Lance Teoh, Lee Hooi Cheng, Lee Kang Phin, Lee Ken Seng, Lee Kit, Lee Siew Huang, Lee Tsin Ting, Lek Chun Hou, Leon Lee, Leon NgLeslie Yim, Lian Tony, Lim Chee Keong, Lim Chun Yen, Lim Sherlynn, Lim Shu Juen, Lim Sze-Yin, Lim Wei Hong, Lim Yit Joon, Lim Yu Wei, Lincoln J’sh, Ling Soon Soon, Lindy Su Yen, Lo Nicole, Loh Mun Fei, Looi Mei Ying, Louis Gan, Louis Wong, Louiss Lim, LS Lee, Lucas Looi, Lum FN, Lynda Ayumi.

Mabel Lynn, Marco Yen, Mason Lee, MC GT, Mc Mok, Mei Hun Ezed, Melvin Tay, Michael Wang, Michelle Khoo, Michii FiVer, Mick Denesh, Mikey Ng, Mimi Khoo, Mindy Choy, Ming Ervie, Ming Minza, Ming Shen, Mohd Nasir Abd Rahman, Mohamad Syazman, Mohd Abdan Hakim, Mohd Ikmal, Mohd Noh, Mohd Razif, Mrashdi Omar, Muhd Faiq Zakaria, MunChoon Khoo, Munfun Hoo, Munwai Cheaw, Muzakkir Abdul Kadir.

Nazri Awang, Nadia Rahim, Neil John, Ng CP, Ng Choon Peng, Nicholas Chew Soon Han, Nicholas Tan, Nick Koon, Nicole LH Pang, Nigel Pong, Norzaman Razali, Nur Aini Abdul Manaf, Nur Farhidda Asmadi, Nz Zag.

Ong Ed Win, Ong Ay Wei, Ooi Mai Lim, Ow Yong See Chong.

Quan Oon.

Pah Pin Shang, Pali Loki Suki, Pang Yun Yin, Penocia Pawei, Peter Chong, Peter Liew, Peter Lim Cheng Teik, Petre Yaw Swee Yong, PH Choong, Philip Chu, Phillips Ong Kar Wei, Philix Ng, PJ Wong, Polly Yap Soo Xi, PS Goh.

Qboy Fish.

Radithya Urdha, Rahmat Bahrim, Ravel Ong, Raymng De’ Rayz, Ravel Ong, Renee Siaw Wei, Renuka Devi, Ricco Tiong, Robbie Lim, Robin Yong,  RyanChua しおん Han.

Sabasyloyaki Oishi, Salam Lau Ben Lan, Saiful Mohsin,Salvon Khoo, Samuel Lee, Samuel Tan, Saw Zhi Zheng, Say Ren Yong, Seed Young, Sean Lim, Sen Lee, Seng Huat, Shaggy Pang, Shahremy Jaies, ShamsulNirman MohdHatta, Sharon Leong, Sharon Ng, Shauki Ahmad, Sherine Lee, Shuang Ping, Shu Yang Chew, Siah Bing Jie, Siew Bee Ewe, Simon Seah, Simon Thien, Simon Wong, Singbluesilver Ninetynine, Sin Teng, Slavin Khoo, Soh Sze Yuen, Sook Yen Wan, Soon Yong Hiew, Soon Liang Tan, Stanley Cheng, Stefanie Low, Stefany Chew, Steven Chan Jieng Hua,Steven Chia,Su Lee S, Sue Ying, Summer Hoe, Suraya Zainudin, Sweat Ling Choong, Syahmie Ramley, Syahril Annuar, Syed Firdaus, Syeenyn Aw, Syltvia Leong.

Tam Wm, Tan Boon Chew, Tan Boon Sze, Tan Zhi Shan, Tang Yaw Fui, Taufiq Affendi, Teo, Teo Cher Ming, Teo Yee Siong, Teo Soon Kiat, Teoh Geok Kheng, Teresia Tang, Terry Chow, Terry Soh, Terry Tommeh Sim, Terry Woon, Tessie Mah, Thien Jing Wen, Thunder Cat, Tmize Tarmizi, Tuck Wai.

Valjean Lee, Velson Loh, Victor Tham Lin Jie, Vin Seow, Vincent Hew, Vincent Wong, Vincent Wu, Vivien Loh, VM Loo,  Voon Seng Wai.

Walter Walter, Wai Lloon, Wee Peng, Wei Keat, Wk Lai, Wk Leong, williamyl Mark, William Kwok, William Ong Kok Tsin, Winnie Chee, Wong Kai Siong, Wong Then Yue, Wong Yee Hon, Woo Lee Lim..

Yan Zhi Lee, Yasmin Yusof, Yau Meng, Yeap Chong, Yee Sem, YeeHong Tan, Yen Peng, Yewhoe Chau, YH Goh, Yip Khar Weng, Yip Petrov, Yip Swee Weng, Yoke Kei Ng, YokeWeng Ng, Yon Meng Leow, Yong Chee Keat, Yoon Boon Hong, YP Thiong, Yuan Hui Kerk, Yun Chin Wai, Yug Thay Chau, Yvonne Koh, Yvonne Siew.

Zaiman Noris, Zaini Elias, Zainul Anuar, Zena Zag, Zhi Jiang Tan, Zi Bing.


Once again, I would like to thank each and every one of you who have signed up as a Follower at blogspot, those who have contributed to my past articles in one way or another and every one of you who have Liked my GenX GenY GenZ Facebook. I wish you the best of luck in your future undertakings and may you be blessed with perpetual happiness and good health.

Last but not least – always remember Cheap No good, Good No Cheap, FREE is the Best!

Goodbye and signing off for the last time as GenX.

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