Go for maybank visa petronas with lifetime fee waver.
You can also earn 5X points when you use at petronas station.

Meaning that 00 is for credit card, 29 is for others?

I think the 00 is my credit standing. 00 means that i have never missed a payment. As you can see, i have two credit cards with the first one marked with 00,29 while the second card is marked only with 00. The first card is marked with 29 because i got it by pledging one of my Time Deposit accounts to the card.

It's collateral type instead.
Credit standing should refer the month to month listing.
If it's show "0", then means you never miss payment.
If show "1" means one month default payment, "2" means 2 month default and so on.
If above "3", then your credit application will be rejected by most credit issuers.

Kindly refer the collateral type:
Collateral Type Refers to type of collateral pledged for the credit facility
00 = Clean
10 = Properties
21 = Quoted shares
22 = Unquoted shares
23 = Unit trusts
29 = Other financial assets
30 = Motor vehicles (registered with JPJ)
40 = Other vehicles/carriers
50 = Concessions and other contractual rights
60 = Plant and machinery
70 = Financial guarantee
80 = Negative pledge
81 = Supportive letters
90 = Other assets
99 = Secured – details unknown

Info from www.smeloan.com.my/CCRIS%20REPORT.pdf

So i suppose 00 means the card is not tied to anything ?

New balance transfer promotion for DA (better than current PBB balance transfer).

12 months - 1% interest

This post has been edited by roy918: Jul 1 2010, 12:56 PM

wahhh... they extend the 0% BT another more time.. from Sep '10 to Dec '10... wah DA so generous.. sweet.. hihi...

Yup brother,
00 means credit issuer granted you the credit facilities and it is under unsecured credit/loan.
29 means you placed a fixed deposit to secured the credit facilities,mostly from credit cards pledged by FD.

guy, pls enlighten me.

i am doing my first time online shopping with my maybank credit card, i registered my card to MSOS also.

nows the question is, when i place my order and payment, the website requested me to fill in card name, card number,expired date and the Security code also (last 3digit), is it safe to fill in the last 3 digit code??

and why i no need to fill in password that i have already registered in MSOS?

thanks

the website does not support Verified by Visa and MasterCard Secure Code

1st question ... which website are you buying things from ? This is an important question but we don't need to know what are you buying.
2nd ... not all website will ask for MSOS.
3rd ... 99% of website will ask for your CVV. Even though you are MSOS or equivalent. MSOS provides an additional layer of security but it is not meant to replace CVV.

thanks hye and alexwsk for quick reply

i wanna do online shopping on this website,i think its a famous selling t-shirt located in US

http://www.threadless.com/

99% of website will ask for your CVV?? thats mean i really need to fill in CVV in order to proceed shopping right ? no need too worry on secure issued rite ? thansk

I think 1 day I must go to BNM to get my CCRIS.

Yes brother,
U should practice to check your CCRIS report, the best is once a year.
To avoid any personal fraudulent usage of your personal information and identity, especially fraud CC application.
It is FOC at any BNM branch and only can be obtain every 3 months once.

no need to worry, but make sure the website is in https mode while making payment
and http://www.threadless.com does not support MSOS

I think my CCRIS will more that 1 page...

This post has been edited by Alec.Yong: Jul 1 2010, 03:40 PM

Noted. Thanks pal !


It is a very common practice that they ask you for the CVV code when buying something online.

thanks guy for those info now i can feel at ease doing my first time online shopping,.WOW

called alliance call centre, they say can apply cc by pledging fd. then i went to branch, the girl says cannot. then i asked her to call HQ to clarify, after 30 mins of clarification, finally can.

then, ask to sign letter of set off, and need stamping fee of RM50 (0.5% X RM10k). i thought only need to pay when my card is approved

but she says need to sign and stamping first, then only send for application

is this the usual practise? (need to stamp first and the stamping fee is rm50?)

WHAT ? Stamping fee ? HSBC did not charge me any fee at all when i applied for their credit card by pledging my Time Deposit to it. I believe Public Bank is not going to charge you anything too. Public Bank is the only bank that state publicly in their website that you can apply for secured credit card.