I have been using EON credit card since September 2010, still a newbie.

October bill - RM5,000 ++
November bill - RM 630 ++
December bill - haven't come out yet, roughly RM12, 000++

i make payment straight away before the statement even out...

wonder can request for increasement of credit limit or not? or must wait for 6 months?

This post has been edited by persistence85: Nov 23 2010, 09:33 PM

If you often swipe nearby your credit limit, I believe the bank will consider.

At least wait for 6 months - 1 year.
Why the rush .. ? And do understand an increase of your CL will also increase your "unsecured loans facility" for your credit profile.

Hye, how does this unsecured loans facility will affect one in the future?

Most probably will affect one's home/auto/personal loan limit.

Yup. I won't be even surprised some banks use this as a loan eligibility yardstick. Different banks practice different risk management policies.

Yeah. It is the difference about needing a guarantor or not for your car loan. Your future housing loan is a different story though lol. On time payment means shit if you're using 80% of your total revolving credit limit.

My credit limit is Rm4500 ...

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Added on November 23, 2010, 10:31 pmrush because i need to pay and swipe, pay and swipe, it's so inconvenience over limit

This post has been edited by persistence85: Nov 23 2010, 10:32 PM

for what i think, that shell card is pretty much useless card, very low cash rebate given compare to others
and some forumer having difficulty to waive annual fee for the subsequent year

no need PTPTN also can , now more lax, under Southern Bank it was stricter

something different happened to me.

ok just now at 930 am i called maybank world card services informing them i would like to cancel my card since i've been slapped with RM 50 govt tax (they waived my annual fee). they said they will put this request to relevant officer and will revert by end of the day.

at 230 pm, i received a call from maybank. they offered me 10,000 treatspoints to offset the govt tax. in addition, they offer me MR to waive my amex platinum's govt tax.

I agree to above. As for the person who wamted a CC but did not want to pay the RM50 tax, I was like thinking to myself, hey then don't get a CC. The government imposed the RM50 tax for a reason besides getting more income and it has proved that cards in circulation have reduced by 2 million. It will come a time where the banks have to make a stand to absorb the RM50 or not or appeal to the governement to reconsider the GST as this offering of points to offset the GST will not go on forever. The banks can't keep absorbing the RM50 as it will cost them hundred of millions a year.

As for me, I will cancel cards that I am not getting any benefit from it and I don't ask for the RM50 waiver, if the bank offer then I will consider.

good for you. that makes 2 person now who have gotten points from MBB to offset GST. However maybe you should elaborate more on your cards usage MBB so that others may know what was the criteria that MBB took into consideration.

Oh I didn't encounter that. My Shell card was to be charged annual fee prior to GST. The bank agreed to waive without condition. Then before GST comes in, I request to cancel. Reason being GST. The bank didn't say a word and proceed right away.

been a maybank cardholder since 2008 started off with visa platinum then amex platinum then maybank world mastercard. card usage five figure on monthly basis quite consistently.

I concurred with the statement. in fact, if you're a regular user, you can always to get rebate or cashback to outweigh the tax of RM50. if you doesn't want to pay rm50, please use debit card.


getting cc is a credit privilege granted by banks to "lend" you the money for you to use. Banks isn't a charity entities will keep 'waiving' the tax. some examples of user that you heard of getting waiver of govt service tax doesn't mean everyone will get it. Banks will decide on case by case basis to retain user or to attract new user.

yeah its me

apply another card with supporting documents including ur eon cc statement to get higher CL

since u said u swipe-pay-swipe again, then 'new' bank will see that u afford to pay

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Added on November 24, 2010, 7:06 amagree.

i'm not 'threating' the bank. i just ask them to cancel my card bcoz. what happen next? go search my previous post

for NEW applicant, just apply for cc that offers u cash back or cash rebates
of coz u need to pay that RM50 first, but since the GST is yearly, so u should be able to cover it by 12 months cash back/rebates.

my experience, use the cards for 3 years AND pay full statement amount each month, if we request to cancel the card, then usually they will ask why.

if they not asking, maybe, maybe, bcoz ur payment history.
even they cancel ur card, but if still have outstanding, they will still earning from the monthly interest + late payment fee after this, and u cant add more debt with them. so good for them.
if u transfer the balance to other bank, the bank will received the money from ur new bank. so they will be happy bcoz u 'clearing' ur outstanding. also good for them.



This post has been edited by erry-: Nov 24 2010, 07:12 AM

Er, do you mean applying same card or different card from the same bank? CCRIS can see how much total per month i use if they check?

my card not even more than 6 months oh.. bank will consider ma?

hmm received paper statement from eon bank even though i subscribed from estatement already, lol, as long they don't charge me for it

Been trying to add Syarikat Air Johor in <Bill Payment - Register Payee> for OCBC internet banking but always get "Validation Error". Anybody successfully add this into Payee List?

I receive Public Bank statement that I need to pay SERVICE TAX RM50 for VISA Gold and RM50 for PB Gold Mastercard. But I never activate or use the card before. WTH??!! Trying to call their customer service, but no representative answer really pissing me off.