RHB platinum card: Be aware: Salesperson - Too good to be true

Today, in a shopping mall, a slightly fat credit card agent approached me and shown me how good a RHB platinum card is as follows: (I only list out what I was interested in)
1. Petrol - 10% cash-back every first week; 5% cash-back in any petrol station
2. No cap for cash-back
3. RM50 cash award (to offset the government tax)
4. others

Since I was quite interested in the saving from the petrol expenses, I went with him for further information. Although I told he I did not have EPF, he insisted to scan my ID card via EPF machine and said that monthly contribution of RM200 in EPF can have a try to apply this card. The funniest thing was he shown me his ID card and told me that he was already more than 30 years old, so what he said was reliable. In addition, he kept repeat that only he knew about the petrol cash rebate matter!!!

However, the thing is, based on RHB official website: (http://www.rhb.com.my/cards/credit-card/cc_platinum_main.html) I feel I was lucky since I was not eligible to apply this platinum card. Let me highlight the two things that I concern about from RHB website as follows:

Charlie Chaplin: The Great Dictator speech - in the name of democracy, let us all unite!

An inspiring speech that should be shared with everyone in this world.

Script (Start from 1.02)
"I'm sorry, but I don't want to be an emperor. That's not my business. I don't want to rule or conquer anyone. I should like to help everyone if possible; Jew, Gentile, black man, white. We all want to help one another. Human beings are like that. We want to live by each other's happiness, not by each other's misery. We don't want to hate and despise one another.

5 Years 100% Capital Appreciation: Example: JT International Berhad (JTINTER, 2615)

So, do you want to own high dividend payout counter? How about JT International Berhad (JTINTER, 2615)? JTINTER is going to give special dividend of Special Cash Dividend of 24 sen per share less 25% tax and 38 sen per share, tax exempt under the single-tier system in respect of the financial year ending 31st December 2012. In other words, with market price of RM6.70 and gross dividend of 62sen will be given, its dividend yield is approximately 9.25%, it seems a good deal, don't you think?

However, if we review JTINTER last five year achieve, its EPS is gradually increasing from 31sen (2007) to 47sen (2011), dividend amount is 30sen in last three years (2009, 2010 and 2011). This explains why JTINTER is able to give special dividend ( from its retained earning in last three years: 2009, 2010 and 2011 after 30sen dividend paid). In other words, do you think the 62sen dividend will be given again in next fiscal year? Maybe, if and only if, its EPS will increase significantly.

FELDA GLOBAL VENTURES HOLDINGS BERHAD: Short Insight

Based on FELDA GLOBAL VENTURES HOLDINGS BERHAD (FGVH) Prospectus reports:

Profit after tax in 2011 is RM1,014,665,000.
Net asset in 2011 is RM5,483,830,000.

However, last three months ended at 31 March, PAT is only RM192,165,000 compared to RM359,048,000 in the same period in the preceding year (2011).

Total IPO share number is 2,188,890,900 shares (institution offering up to 1,915,279,900 shares + retail offering of 273,611,000 shares.