PBB since they're giving great rebates now, when u apply now also they're giving out RM60

MBB since non expiry

totally agree with u bro, pbb seems like going all out in attracting customers with its latest 15% rebate, planning to get RM390 for these 3 months

juz received my Eon GSC ... how does the bonus point works ?

when i tried to buy GSC ticket online , the amount payable still the same (Rm12*2 + Rm0.50*2 ) when i checked out , and i hav link the card with my gsc member acc..... i canceled the transaction of course...

Hi all, I have a quick question. I have a monthly income of about RM1800 to RM2000, but as a freelance editor for different companies, I was wondering what I'd have to show the banks (perhaps my bank statements?) to be eligible for credit cards. Thanks.

Proof income such as payslips, EPF statement, EA statement or J form.

Is it possible to get a credit card from MBB after applying their fixed deposit account?..if so how does it work?..

I understand you can do that with public bank..is it possible with MBB?..

Like David83 have said, you need to provide proof of income. Bank statement to prove that you have monthly income will help. There is option in a credit card application to fill-in - Employment details. You need to choose "Self Employed" because you are a freelancer.

I suggest getting the CC application form, fill it in, submit it with all supporting documents that you can provide including any letter that you can secure from different companines that you are working for as freelance editor. They call it "Letter of Employment" that says you are editing or writing with them since ____ (what year) and your average salary is RM ____ per month or per article or per editing job is RM ____.

If you volunteer to contribute an EPF that will be another good supporting documents in addition to savings, current or fixed deposit bank statements/passbook/letter of employment.
If you pay tax yourself, show them too. Anything that you can provide will definitely help with the evaluation of the bank.

And don't lose hope when one or two rejects you. There are many banks.

Yes. Just go to the MBB branch and tell them that you want to get a secured credit card. Most of the time it's 1:1 - FD amount means your credit limit is the same.

Does anyone here knows how to enable the feature like Mastercard Secure Code when you are using Online Credit Card payment - just for security purpose ?
Does VISA comes with such feature too ?

Thank you.

You don't have full control over this feature - couple of conditions need to exist ...
1. The bank need to support it
2. The payment gateway asks for it.

The system will prompt you for the code when the payment gateway demands for it, otherwise it doesn't ask for this code. If you have not enabled it, the bank will ask you to enter a new code.

VISA has a similar system like Mastercard and NO you don't have full control over this system.

Why are you so worried about fraud ? I have used cc without this feature for years and no fraud occurs if you are careful to visit and buy from reputable online retailers. FYI, sometimes fraud occurs when your cc details leaks internally. The best secured system in the world is useless if the internal retailer staff themselves are scheming to abuse your cc. I got hit by this twice - both times from a reputable telco in Malaysia. (At least that is what the bank told me of their suspicion) And I manage to dispute and win the case in my favor without any hassle.

This post has been edited by hye: Apr 25 2010, 01:29 PM

In addition to hye's reply... some banks automatically pre-enrolled the credit cards for Verified by Visa (VbV) or MasterCard SecureCode. Check their website for info or option/page to setup a password or code for your CC. If it's pre-enrolled, the security feature that you can only add is a PIN code for your credit card.

Example: MBF card - When you login to your online CC account, you have the option to activate and create password/activate the MC SecureCode.
PBB already pre-enrolled, you only add personal PIN
MBB - login to m2u then proceed to Maybankard Secure Online Shopping Registration

Thanks for the prompt reply over my inquiry. Really appreciate for sharing your experience ..
I believe at the end of the day - the payment gateway or the site that we plan to use the credit card for payment has to be trusted ones.

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Added on April 25, 2010, 1:59 pmThank you for your prompt reply.
I am currently using HLB VISA Card .. I don't think I can find the option of activating the Secure Code feature on my Online Banking service. Anyway, will double confirm with the CSR on this ..

Really appreciate for sharing your experience.

This post has been edited by HughieRmX: Apr 25 2010, 01:59 PM

Ah.

So basically i still need the payslip?..

No, you don't need a payslip but your IC only. Bring along your FD receipt as well.
Your money in your FD is your "guarantee" already. It's called secured credit card.

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Added on April 25, 2010, 7:06 pmThey have that option too. It's in http://www.hlb.com.my/pfs/cc/ccsecure_fb.jsp?flag=ccsecure

This post has been edited by dmatthews: Apr 25 2010, 07:07 PM

Hi guys. I just want to ask if you apply CC, then they will send a PIN no. what is that pin for? issit when you swap your card, you need to key in the pin then you can use it?or is just for the ATM use?

The PIN is for the ATM use when u need to get Cash Advance...
And also if there is online/internet account facility....

Nowadays CIMB/DA CC card holders no nid to request for PIN to register for online banking.

Good job CIMB

Guys, i got one question. Regarding the credit card bill payment. How many ways can pay the credit card bill? Sorry ya. I am new to CC things. thank you.

- Transfer the money out from your savings account (assume you have a bank account with your credit card issuer) via ATM or internet banking
- Transfer the money out through IBG if you are going to transfer the money from another bank. This can be done over the bank counter, ATM or internet banking
- Pay at the counter
- Pay via any of your credit card issuer's cash deposit machines
- Pay using cheque. You can mail it back to their credit card centre or just deposit it into any of their cheque deposit machines

This post has been edited by MilesAndMore: Apr 26 2010, 12:13 AM

Ic. Thanks for the prompt reply. Thank you so much. This information helps a lot.

wah, so far the requirement for PBB gold card is the lowest one.. RM25K per annum. I want to try my luck as my per annum is almost achieve that!
but it needs me to have the latest of 3mth for the bank statements, but from the commencement of work until now not cukup 3 months lah..

hello.. i got confused somehow.. i applied for maybank ikhwan last month and it was my first cc.. what i don't understand is i got this statement and it said my outstanding balance is 1.2k.. then, i go to cash deposit and pay 1.1k to credit card.. but still outstanding balance is still not decrease.. they said i can pay any amount.. i used only about 1.2k last month.. got confused since this is my first time using cc..



This post has been edited by rockstar_: Apr 26 2010, 08:01 AM