i accidentally overspend my cc limit for about one ringgit plus due to my calculation mistake, and the next week, i found out that my credit limit was increased. i never apply for credit limit increase.

actually, its maybank...they are good to me, i guess..they even give me both of the ikhwan card (visa and amex) with another credit limit - not a combined limit, but i cancel both coz i dont want too much cc. 2 is enough..and as far as i remember, i never pay the annual fee for the last 4 years

i'm sure u need to use the card for some minimum amount before you can 'easily got waived'...right?

i got my standard chartered gold visa that comes with rm80 cash rebate. the first thing i found out via online banking for the card is that rm50 straight away deducted on the first day of the card issued as the gov tax. i tought the gov tax is on anniversary date which is after one year?