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 Credit Card v14, Please read the 1st post before posting

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Gen-X
post Jan 20 2011, 12:31 AM

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QUOTE(afad @ Jan 20 2011, 12:25 AM)
thanks, great explanation gen-x

i have another question here,
let say i bought something using CC A for RM5K,
online transaction here,
afterward, can i BT the amount to CC B,
to use the installment plan there?
*
can, as long as it is shown in the statement of CC A. Click below link to read more on Balance Transfer at my blog My Credit Cards:

http://creditcardsmalaysia.blogspot.com/20...0-interest.html

or here to goto latest posts

or click http://creditcardsmalaysia.blogspot.com/

QUOTE(sweetpea123 @ Jan 20 2011, 12:29 AM)
All this rebates are making me crazy / dizzy .  rclxub.gif  rclxub.gif  rclxub.gif
I want a card with UNLIMITED 5% cash rebate EVERY DAY of the week on ALL transactions. Saves me a lot of thinking at the cashier. What day is it? Which card have I max out? etc etc.

Wish a bank would come up with a card like that to counter all these card wars.  rclxms.gif
*
hahaha, So true, Got a suggestion to solve your problem - stick a note to your cards.

This post has been edited by Gen-X: Jan 20 2011, 12:35 AM
TSMilesAndMore
post Jan 20 2011, 12:37 AM

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QUOTE(Gen-X @ Jan 20 2011, 12:27 AM)
you very ma fan la, got customer like you headache lah I, hahaha

well, worst come to worst, get the visa now and then get the MC in April, cost you RM25 for GST only. Or maybe can use conversion form and convert from Visa to MC later (I learned something today MBB got such thing as conversion form). Anyway, once you get the answer do let us know.
laugh.gif Maybank is not exactly an efficient bank. I think it's probably best to apply by the end of March. It is not that far away anyway.

jonuslee
post Jan 20 2011, 12:41 AM

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the maybankard 2 issit combined limit???
TSMilesAndMore
post Jan 20 2011, 12:45 AM

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Guys, the Maybankard 2 supplementary card(s) application form is now available in their website. One can email the application form to amexcards@maybank.com.my or fax to 03-2282 0373.

This post has been edited by MilesAndMore: Jan 20 2011, 12:47 AM
Gen-X
post Jan 20 2011, 12:47 AM

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QUOTE(jonuslee @ Jan 20 2011, 12:41 AM)
the maybankard 2 issit combined limit???
*
no matter how many card you have with MBB, the CL for all cards are combiined and not just for the Maybankard 2 cards (where these 2 cards share a single statement).

For exmaple, I got MBB Petronas Visa, MBB Plat Master Card and American Express Gold CC (without MBB log) and all these 3 cards have separate statements and different due date but they share the same combined limit.
ronnie
post Jan 20 2011, 12:49 AM

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Any Maybankard 2 roadshow to get some freebies ?
sweetpea123
post Jan 20 2011, 12:53 AM

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Correct me if I am wrong, I don't think any insurance co accepts AMEX for premium payment hor?
Otherwise, would have to rush MBB2 application cos I have 2 premiums coming up in Feb . tongue.gif
jonuslee
post Jan 20 2011, 12:55 AM

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QUOTE(Gen-X @ Jan 20 2011, 12:47 AM)
no matter how many card you have with MBB, the CL for all cards are combiined and not just for the Maybankard 2 cards (where these 2 cards share a single statement).

For exmaple, I got MBB Petronas Visa, MBB Plat Master Card and American Express Gold CC (without MBB log) and all these 3 cards have separate statements and different due date but they share the same combined limit.
*
icic. I just applied the Maybank petronas gold card. This Maybankard 2 seems quite attractive for amex 5% rebate with 5x treat points. not bad. How is the acceptance of amex in malaysia? Can Tesco, Giant, Jusco and all the petrol station accept amex??
TSMilesAndMore
post Jan 20 2011, 12:56 AM

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The Maybankard 2 idea which is stolen from the largest banking institution down under biggrin.gif

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QUOTE(jonuslee @ Jan 20 2011, 12:55 AM)
icic. I just applied the Maybank petronas gold card. This Maybankard 2 seems quite attractive for amex 5% rebate with 5x treat points. not bad. How is the acceptance of amex in malaysia? Can Tesco, Giant, Jusco and all the petrol station accept amex??

Tesco, Giant, Jaya Jusco, Parkson, Metrojaya, Carrefour, ISETAN, Best Denki, Harvey Norman, Kinokuniya, MPH and Times Bookstore all accept AMEX. As for petrol station, all SHELL and Mobil/ESSO stations do accept AMEX. As for Petronas, only very few of their stations accept AMEX and you must swipe your AMEX over the counter.

This post has been edited by MilesAndMore: Jan 20 2011, 12:59 AM
afad
post Jan 20 2011, 12:59 AM

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QUOTE(Gen-X @ Jan 20 2011, 12:31 AM)
can, as long as it is shown in the statement of CC A. Click below link to read more on Balance Transfer at my blog My Credit Cards:

http://creditcardsmalaysia.blogspot.com/20...0-interest.html

or here to goto latest posts

or click http://creditcardsmalaysia.blogspot.com/
hahaha, So true, Got a suggestion to solve your problem - stick a note to your cards.
*
thanks bro, really useful infos there thumbup.gif
Gen-X
post Jan 20 2011, 01:03 AM

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QUOTE(jonuslee @ Jan 20 2011, 12:55 AM)
icic. I just applied the Maybank petronas gold card. This Maybankard 2 seems quite attractive for amex 5% rebate with 5x treat points. not bad. How is the acceptance of amex in malaysia? Can Tesco, Giant, Jusco and all the petrol station accept amex??
*
AMEX no problems as places you mentioned except for Petronas. If you can wait for a day or two before applying, read my review on Maybankard 2 AMEX whre I'll be publishing soon. Watch for my signature below to check if it is out..
spikey2506
post Jan 20 2011, 01:11 AM

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QUOTE(David83 @ Jan 19 2011, 11:30 PM)
Not possible also. The CS told me that my existing Visa Petronas cannot be converted to this Maybankard 2 Visa even though I submit a new application for the AMEX.

On top of that, Mastercard will not be available until April 2011. They're promoting Visa only at the moment.
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So what choices do we have? Claim all TP, cancel then apply for Maybankard 2? I'm holding an Ikhwan Petronas now which I really really want to get rid in favour of the new 2.
jonuslee
post Jan 20 2011, 01:21 AM

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QUOTE(Gen-X @ Jan 20 2011, 01:03 AM)
AMEX no problems as places you mentioned except for Petronas. If you can wait for a day or two before applying, read my review on Maybankard 2 AMEX whre I'll be publishing soon. Watch for my signature below to check if it is out..
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oh.ok. wait for your review. biggrin.gif As for the treat point redemption, the treat point collect by american express card can used to redeem the maybank treats point redemption reward and also the american express membership reward?
Gen-X
post Jan 20 2011, 01:24 AM

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QUOTE(jonuslee @ Jan 20 2011, 01:21 AM)
oh.ok. wait for your review. biggrin.gif As for the treat point redemption, the treat point collect by american express card can used to redeem the maybank treats point redemption reward and also the american express membership reward?
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Treat points is different from AMEX's Membership Reward points. i.e. Cards with Maybank Logo gets Treats Points and AMEX Cards without any logo gets Membership Reward Points.
chemistry
post Jan 20 2011, 01:28 AM

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Yesterday went to MBB branch to inquire about Maybankard 2. All of them were not aware of this new product! Include the branch manager!

Anyway, I am not surprised as this is normal for local banks.
jonuslee
post Jan 20 2011, 01:30 AM

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QUOTE(Gen-X @ Jan 20 2011, 01:24 AM)
Treat points is different from AMEX's Membership Reward points. i.e. Cards with Maybank Logo gets Treats Points and AMEX Cards without any logo gets Membership Reward Points.
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Oh.ok. NOw clear. Thanks for the clarification. biggrin.gif Thinking of converting my existing card to these cards since the amex promotion very attractive.But my card just few months old. Didnt expect maybank would come out this plan.
TSMilesAndMore
post Jan 20 2011, 01:30 AM

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QUOTE(chemistry @ Jan 20 2011, 01:28 AM)
Yesterday went to MBB branch to inquire about Maybankard 2. All of them were not aware of this new product! Include the branch manager!

Anyway, I am not surprised as this is normal for local banks.
I think this happens to foreign banks too unfortunately. It's normal when the product is very new.

Frostlord
post Jan 20 2011, 02:41 AM

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hi all
i found something extremely stupid about Maybank AMEX system today

i make 4 same online transactions today. why did i make 3? this is why

1) key in security code (front of card) -> get wrg security code
2) key in "security code" (back of card) -> same error as 1
3) key in security code again (front) -> thought i keyed it wrong the 1st time but still get error

curious and frustrated, i call Amex card center... and guess what? the security code ON MY CARD DOES NOT TALLY with the security code ON THEIR SYSTEM vmad.gif
how can this happen? but ok.. nvm.. i asked them to change the security code (they suggested). then i check about the status of my transactions (just double checking).

guess what? AMEX approved all 3 transactions. rclxms.gif
even at the merchant side, i get the error "wrong security code" but AMEX can approve the payment. Yes, i know that approved payment is not much. they just approved it and wait for the merchant to request for the money before they debit my account.

Now, come the next surprises. My Credit card limit is down by RM1.5k. why? because of the 3 transactions. they say they cant do any reversal and i need to ask the merchant to cancel my order. The funny thing is, i called the merchant and they claimed that they did not received any payment, pending payment or any sort of payment related to my account. Now, i dont doubt the merchant because it is a international merchant. Furthermore, i had used their services before. The merchant is also a big company. i dont want to reveal the merchant name but the merchant is involved in online training and examination. For those in the field, you should know who am i talking about. There's only a few of them

then i ask them how can they approved the payment if the security code i provide is INVALID? they claim that this depends on the merchant "verification tools" some of them dont accept the security code (whats the point of having them in the 1st place then?)
Then i ask if someone got my credit card number (it is easy for anyone to get your credit card number), they can use the card and simply purchase anything online. When asked to provide the security code, they can simply just key in anything and the system will approve the payment. So does this mean i need to pay for that? Payment being approved eventhough the verification is INVALID? guess what is their answer? YES

i also ask since the security code is at the front, what is the 3 digit number at the back of the card then? they say that it served no purpose (someone enlighten me on this please). when i asked is it for decorations only? they reply YES vmad.gif

now they say that they cant cancel the payment. If the merchant requested for the payment then i can file a dispute on this case vmad.gif if the merchant did not request for payment, the case will close and my account will be credited rm1.5k back

Now i would like to ask all sifus here. anyone of u used AMEX before? IS THE SECURITY SO DAMN SUCKS? HOW CAN IT APPROVED THE PAYMENT WHEN THE GOD DAMN SECURITY CODE IS NOT VALID?

This case really drops my confidence level in AMEX card. IT IS DAMN UNSECURE. they can afford to have the security code PRINTED ON MY CARD different from the ONE IN THEIR SYSTEM


Added on January 20, 2011, 2:44 am
QUOTE(jonuslee @ Jan 20 2011, 01:30 AM)
Oh.ok. NOw clear. Thanks for the clarification. biggrin.gif Thinking of converting my existing card to these  cards since the amex promotion very attractive.But my card just few months old. Didnt expect maybank would come out this plan.
*
i would suggest you to stay away from amex. read my post above. so damn inefficient

yes i know it is not AMEX fault but it is the bank fault. But currently on MBB has AMEX. as for Hong Leong Amex, some of the promotions does not include HL AMEX. for example 15% cash back.


Added on January 20, 2011, 2:46 am
QUOTE(jonuslee @ Jan 20 2011, 01:30 AM)
Oh.ok. NOw clear. Thanks for the clarification. biggrin.gif Thinking of converting my existing card to these  cards since the amex promotion very attractive.But my card just few months old. Didnt expect maybank would come out this plan.
*
do keep in mind that both card share the same credit limit. It doesnt matter how many card u have. at least this is what happens to my colleague. and the sales person never even mention this before

This post has been edited by Frostlord: Jan 20 2011, 02:46 AM
rayfoo
post Jan 20 2011, 03:13 AM

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i also can confirm this, the officer didnt allow me to convert my amex gold to the new maybankard 2, and this is being Maybank HQ at Menara MAybank, cant transfer points also due to MR and TP differences
QUOTE(ben83 @ Jan 19 2011, 10:30 PM)
I also asked MBB CS but this officer said generic AMEX cc cannot be converted to this Maybankard 2 AMEX (with MBB logo). The officer also further explains that due to different point system, TP vs MR
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SUSDavid83
post Jan 20 2011, 07:30 AM

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QUOTE(MilesAndMore @ Jan 20 2011, 12:21 AM)
Since only VISA is offered for Maybankard 2 now, any idea if i can get only the Maybankard 2 AMEX only for the time being and request them to send the MasterCard to me when it becomes available in April ? I do not want anymore VISA because i already have two VISA in my wallet now. I do have one MasterCard but i intend to cancel this card by next year which is why i want the Maybankard 2 MasterCard and not the VISA.
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I did share this before after I called CS. They said it's also not possible and you just have to wait till Mastercard is available in April. sweat.gif

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