Depending on the bank that you choose to apply from and method of your application submission. Some are faster than others and some are ultra slow. It also depends on your luck ... same cc product but some people takes a while to be approved and some are very quick.

Interest is calculated on a daily rest. Means the interest is still running from the point your statement is being generated to the point that you paid. Even a lapse of 1 day is also counted.

That's why all the folks here say to avoid cash advance at all cost. Too many hidden T&C and the interest calculation method favors the bank ... the consumer is the sucker. Period. Maybe the regular folks here said it too nicely so people thinks it is not a big problem to just take up a cash advance ... sigh.

Yes ... I'm not mistaken you can. In CIMBClicks look for payee MBF Cards Sdn Bhd.
Whether your LOC is provided by MBF or AMBank, you can use the same payment channel to pay your MBF card bill.

I assume that you key in you IC no correctly .... couple of possibilities

1. Your application is not entered in the system yet. It takes a while ... perhaps up to 2 weeks, especially if you applied through agent coz it will only appear in the system when your application is nearing approval or rejection.
2. If it is not approved, it will state so unless your application got problem.

My suggestion is either you wait a while longer (min 2 weeks after you submit your application. Anything earlier then likely it won't in the system) if you just recently applied or the next time you call in , select to speak to CS directly. They may have a better idea especially if your application got problem.

Patience .... the bank are not handling your application alone, they handles thousands if not hundreds of applications at a time. If you are really that impatient with Citibank, walk in to the bank and apply there ... you'll get your card in 2 hours. (If not slightly longer)

Err ... don't you think you are holding way too many cards from a particular bank already ? And why do you want to add on ? (unless you are a collector)
Coming back to your question, MBB will allow you to add on with you needing to cancel the existing card.

@truth_seeker_09

We avoid being judgemental about the product unless it is substanciated by a story. If you have a bad experience then share it with us here if you have nothing to hide and willing. Otherwise I guess we will be in bewilderment as to what was your bad experience with Citibank. CC products and experiences differ from one person to another and not necessary you have a bad experience, everybody else will have the same problem too.

Same thing with feature, gifts and discount - different people will have different expectations. Unfortunately Citibank does not meet yours but were you expecting the bank to go all out to shower and pamper you with priviledges that are individually tailored to you ? Even a platinum card holder from this bank would not get such treatment! If you don't like them then just cancel the card ... simple, no headache involved and no need to be upset. These days if a bank refuse to approve my card application (even more if they ask me to do things which I don't fancy) then I told them to just withdraw the application and thank them. It bewilders them all the time coz they expect me to shout and be upset.

I myself always have a story about a particular card product and I did share the story here and even offline. (in PM to whoever asked me) I don't work for Citibank to say the things in their defense above. (I too have my fair share of good and bad experience with them) I just find it puzzling that we always come across people who rants when things don't meet their expectation (not just here but in other threads as well) but in actuality did not understand what was the product offering and whether it meet the person's expectations of what the product should deliver.

This post has been edited by hye: Sep 3 2009, 03:00 PM

Oh yes ... a few things. If that website supports the extra security, highly likely it will reject your card if you are unable to provide the PIN. It is just an extra layer of security to ensure that your card info are not being misused. Bear in mind online fraud can happen without the physical card being compromised. Means you still have the card in your possession but someone is abusing it online coz just need details. With the extra security ... ahhh ... that's something only the card holder would know.

More often than not, the PIN management in located in your respective Internet Banking system. Sorry I can't be of much help here.
How I work mine out was I registered and created the PIN whenever a merchant site redirect me to my bank's website.

Again ... not all local cc have this security feature and i don't know why this feature is not a standard feature across all cc similar to the EMV implementation. (EMV = Chip based card ... Malaysia was one of the first country to be EMV compliant thanks to the rampant petrol cc abuse several years back)

Opps ... sorry bro. Mistaken identity.

The problem is not about co-branded card or not but whether the bank recognise you as a good paymaster and doesn't just link that to a particular card. For example, I'm also on 13.5% with my existing card (SCB) and when I add more cards, the additional cards are also given the 13.5% treatment.

I have no experience with Petronas and CIMB, you need to ask those who are holding those cards. (And have added new cards when they are already @ 13.5%. However, do note that this status is not transferable between banks. Means, if you cancel your card and later rejoin or get another card from another bank then it restarts back @ 17.5%.

I don't think you should be concerned about a few hundred ringgit in unpaid balance and so long you don't rack it up to a few thousand ringgit. BTW ... using cc to obtain "soft loan" for your business is kindof expensive don't you think so ? You are better off with a personal loan which offers lower interest rates and perhaps a longer repayment period.

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Added on September 3, 2009, 11:31 pm@tinkerbel (I better be careful bout quoting least I got another case of mistaken identity again)
You know a lot of Infinite card holder ?

Just noticed that we are approaching the 2500 mark ... when would it be time to move to a new Version again ?

This post has been edited by hye: Sep 3 2009, 11:32 PM

If you don't believe it, you can always try it out for yourself and then let us know whether they charge you interest or not. But ... don't say that we didn't warn ya. FYI, the interest rate is 18% and calculated on a daily basis. (On top of your cash advance fees)

Ask lah bro WhiteWing ... he will tell ya the same thing.

This post has been edited by hye: Sep 4 2009, 08:38 AM

Emm .. you are right. I'll restate my earlier statement.

Cool man! I haven't hit my rebate limit yet ... looking forward as to whether SCB will continue to provide rebate beyond RM600. Hope I'll be just as lucky as you are!

If the bank refuse to waive the AF then just cancel the card. (Honestly! And they are not the only card in town that offers petrol rebates)
You sounded like you have hesitation to cancel this card ... can you share what are your reasons ? And if the folks here knows something that you don't know about this card then we can tell you.

Personally I don't like RHB cc coz their customer service is not up to par. Plus, their application process takes ages to approve.

Alternatively you can cancel the old card once the new card is approved. The only thing you got to note is probably the Interest Rate would be reset back to 17.5% if you cancel the old card. If you have been paying for the card in full then you need not bother about this at all.

One thing about these 2 cards.
- Citibank Shell VISA rebates are only applicable if you have carry forward balance in your account. (Means you have active cc debt with Citibank)
- SCB Justone, SCB no longer accept new application for this card. (Lots of thories to this. Either issues with the dual function or people are just dumping the card on the rebate limiThe good thing about this card is that you can get rebate for just about everything (capped up to RM600 per annum) and not limited to fuel purchase. Min rebate is 2% and you'll get a 5% rebate on Fridays.

@viqq

I do respect you for being able to come up here and ask for help from the regular folks here. Unfortunately it is a bitter pill to swallow but I hope visitors coming and reading this thread would be able to learn something from your unfortunate situation.

I can't begin to say how many times have I gotten upset by those who ask about Cash Advance, buying things on cc debt / EZ installments without a clear idea on the impact of that decision. I'm not saying those facilities are all evil (Myself have done it before and I do have active EZ installments on my card) but they need to be thought through.

Abuse of the facility will only lead to serious circumstances.

I wish you all the best ... like what the folks here have mentioned. Going to AKPK is not a bad idea since the banks blocked your credit facility already and asked you to write a proposal. You must make sure to come back out from this stronger. Good luck!

Well ... you got to remember that the officer is at the end of the day earns salary from the bank. Probably there's a certain range of decision this person can make but what another member has said ... bank are not charities. They are there to make money, period.

Likely you can get a good offer if you are willing to pay a lot on a monthly basis. If I were you, just bite the bullet for a few months and come out stronger later. It wouldn't help if you do not want to sacrifice your lifestyle now for a better credit standing in the future. The banks won't be impressed and I don't think you are being fair to yourself either. Consider to sell away some of your assets or even your car to have additional liquidity to your finances.

Debt & loans are all liabilities and you need to make all effort to reduce that. Like what you mentioned earlier, the cc debt level now is attracting about RM200 bucks per month in interest and you are paying only RM500. Look carefully as about half goes to the principle - not a good ratio my friend.

OK ... I leave to you to think about it.
Hope you'll drop in sometimes and give some advises to forummers who potentially will make the same mistake but in the state of denial and thinks cc debts are always manageble.

This post has been edited by hye: Sep 9 2009, 08:02 PM

Product is not a popular card that's why.
May I suggest something ... if you don't like the card then just cancel it. These days cc agents are all out to make sure they meet their targets so they will sell aggresively and not bother about whether the consumer need the card or not. Some unscrupluous ones will "apply" additional cards for you. This can happen from any banks and my personal experience is that an International bank agent did this to me. Note that some banks outsource their card marketing thus these agents are even more pressured to sell their cards to you or they don't their dough at the end of the month.

Please do not condone this ... if you receive a card that you never apply then just cancel the card. Same goes if you don't like the card and the priviledges not meeting your expectations then just cancel it.