And the funniest thing is that I do not own any CIMB/DA MC. I only have DA VI. But CIMB/DA sent me the promotion flyer which is only for MC.

For KFC and Burger King, you said you can get 10% discount EVERYDAY plus an additional 10% rebate every Sunday? Are you sure?

The CS officer advised me that the fastest way is to download the application form from M2U website and fax it directly to MBB Card Centre.

This post has been edited by winner: Jan 20 2011, 10:48 PM

I heard it is possible to get instant platinum card at DA Card Centre in Damansara Heights. I would suggest you to contact the centre first before you decide to apply for CIMB/DA card.

This post has been edited by winner: Jan 20 2011, 10:47 PM

Did you pay the amount in FULL or partial payment (such as booking fee or downpayment) via cc? I know most car dealers would accept cc payment for booking fee or downpayment only. If you want to pay more via cc, they would impose a surcharge.


I was in Shanghai a few month ago. Some ticket counters at tourist spots only accept VISA or UnionPay.

Buying air tickets online is one type of retail transactions.


This morning I applied for Maybankard 2 Amex Platinum and VISA Platinum through phone. As I am already an Amex Gold credit cardholder, I am not required to fill in any form or attach any supporting documents. That's simple and fast.

This post has been edited by winner: Jan 21 2011, 12:41 PM

Citibank Cash Back Platinum cannot compete with Maybankard 2 Amex. The only advantage of the former is that it is widely accepted by merchants while Amex is not.

I have enough MCs with me so that I don't mind to get a VISA (although it will probably turn into sleeping mode). With the addition of Maybank 2 Amex Platinum and VISA Platinum, I will retain SCB JustOne Titanium MC and OCBC Titanium MC. My cards to be terminated include Amex Gold cc and SCB Preferred WMC. I may or may not retain DA VI, depending on its BT programme.

If you don't have enough money to buy the thing in the first place, just don't buy it. CC is a tool for convenience, not for debt accumulation.

Yes, everything in the lounge is FOC - food, beverage (even beer), magazines, newspaper, massage chair, internet, shower, etc.

Nowadays I seldom use the facilities as the food sucks. Food in MAS Golden Lounge isn't good either. I only go there and read newspaper if I go to the airport early.


Banks definitely like a customer like you! A customer who spend beyond his/her mean and yet enjoy swiping card.

Yes. Sometimes even other security questions, such as your mailing address, your registered telephone number, credit limit, how you normally make payment, your company, your favourite restaurant, your primary or secondary school, etc.

Sometimes CS officers really tested me seriously. I was asked some questions like "what's the 6th character of your security pin?" and "what's your memorable date other than your birthday?". This usually makes me think twice first before I could respond.

I have been asked such question twice or trice, but I cannot remember which bank it is. They didn't ask me the full pin, it's one of the 6 characters.


No. You can still use the card. The bank is more than happy to retain a customer if you wish to continue to hold the card.

I recall that I was even thrown a question like "what's the 8th character of your security pin?". That CS officer really tested me hard as I only have a 6-number security pin.

Online transaction is one type of retail transactions. We have highlighted this many times here.

If you don't trust both forummers and CS officers, then it is no point to ask questions here as you won't be satisfied with whatever answer you receive. As per what you mentioned, it would be better to wait until the statement comes then you get the definite anwer.

As you are well aware that this Maybankard 2 is a very new card and nobody here owns it now. If based on experience on other cash back cards from OCBC, Alliance and SCB, online payments are entitled to cash back.

Talking about credit history, I have just gone to BNM a few days ago to have my latest credit report printed. It lists clearly all my liabilities with banks including BT amount and CL as well as all the approved loans for the past 12 months (even though I only accepted one of the 4 housing loans approved). I am sure some banks would consider CL as potential liability when processing loan application.


I normally do this when there is nobody queuing behind me. I would just tell the cashier I do not bring cash.

This post has been edited by winner: Jan 23 2011, 07:16 PM

If I own both OCBC Titanium MC and Maybankard 2 Amex, I would use OCBC Titanium MC as much as possible for items under the 5% cash back (OCBC) category. This is because the annual cc service tax will be waived for total spending per annum of RM10,000 or more. As for other stuffs which are not under the 5% cash back (OCBC) category, I will plan my purchase during weekends with Maybankard 2 Amex for the 5% cash back (MBB), only if Amex is accepted by the merchants.

It is impossible to list down all the merchants entitled to 5% cash back, as there are too many locally and worldwide!

You should compile those merchants supposedly giving 5% cash back but ending up with 1% cash back instead. I have one here - House & Co in Bangsar Shopping Centre.