all banks will check your CCRIS report and or other reports and will make their own conclusion. I blur on your statement, you have annual income RM51200+RM4300 > RM30000 for MBB 2 Gold, so why cannot qualify?

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Added on January 25, 2011, 5:46 pmno minimum amount. But why want use HSBC at petrol station, no points.

This post has been edited by Gen-X: Jan 25 2011, 05:48 PM

OIC, well then very simple, if your tax-exempt is from legalized source e.g. interest from FD and can be proven, then your annual income + your tax excempt income is > RM60K which qualifies you for a Plat Card technically. Please note that annual income does not mean salary only or limited to what is declared in the BE form.

Anyway, what you told the girl on the phone, wait, just so that I not blur again, have you applied for MBB 2 over the phone?

If you have not apply yet, just fill in RM85K in the annual income portion and since your UOB card more than 1 year, no need submit BE form. Don't see any problems for you not getting your MBB 2 Plat unless your CCRIS report is bad. But if MBB call your office, which I doubt they will, to verify then it's a different story.

So I guess from above, you have yet to apply for the card. Like I said, just fill RM85K in the annual income portion and don't worry too much. If need to, then just have to give proof to MBB.

FYI, hardly use doesn't mean anything. You can use it once and have bad credit records when you don't make payments or have late payments. So what you got PrefeRRed Plat or Gold Card, the CCRIS report don't mentioned you got Preferred Plat or whatever Plat, all it does is state that you have UOB CC Acct No. since when with credit limit, outstanding balance, how much total credit facilities you have with banks here.

If you have a UOB Preferred Plat with the words Privilege Banking embosed on the card then maybe something to shout about. Else Preferred Plat is just normal plat.

The point I am stating once again is what's important is your credit history. I don't see any problems you getting a plat MBB 2 as long as your credit history is good or your CL for the Preferred Plat (which you keep stressing) is less than RM10K (**Edited** or less than RM20K).

This post has been edited by Gen-X: Jan 25 2011, 08:27 PM

true, but as you mentioned there's term and conditions. So now you pump at Caltex and no more ESSO?

Maybe you not aware, by typing CAPITALS you are deemed to be shouting. Please read forum rules.

With CL 30K, I see no problems of you getting Plat from MBB unless your CCRIS report really bad.

**Edited** I am not bombarding you in anyway, just stating facts, if you feel that I was bombardng you, I apologize

This post has been edited by Gen-X: Jan 25 2011, 09:08 PM

You were being sarcastic earlier but I just ignore it But now you have did it again.

It has nothing to do with being junior or senior, its about Rules and Regulations. Please do read it and don't post in CAPITALS.

Anyway, good luck to you.

This post has been edited by Gen-X: Jan 25 2011, 10:00 PM

Call 1 800 88 9559 AMEX Tol free line. Use land line of course. They can check on system what card by just giving them your IC..

This post has been edited by Gen-X: Jan 26 2011, 05:19 AM

Today went to KLIA Plaza Premium Lounge and enter with Alliance Plat Visa and my wife with her Alliance Plat MC. UOB Preferred Platinum quota finnished. Ask if my RHB Premier Banking Debit Card can go in free, the guy said no! Didn't bring my RHB Plat so didn't ask. Must go complain to RHB on the debit card as it is suppose to allows for 4 visits a year..


yes, as hye mentioned Visa and MC only 1X. So if you using your current MBB Petronas to pump petrol at Petronas, then the Maybanjkard 2 Amex may not be usable as many Petronas stations don't accept it.

Miles have gave you a lot of info on the Maybankard 2 Cards. If you have the time, drop by my blog where I did a brief comparison to OCBC Titanum, clink link below:

http://creditcardsmalaysia.blogspot.com/20...an-express.html

don't listen to your friend, always pay in full to avoid interest charges. However, if you convert your transaction into flexi payment with 0% interest then it is different.

Click on my signature below and read CC 101 for more info.

if you really want the lenses, look for shops that offer 0% installments e.g. fotokem or
Public Bank presently got 6 months flexipay 0% interest. Click link below for info.

http://www.pbebank.com/en/en_content/perso...s/flexipay.html

what card? if MBB, even if you go to the branch and cut the card in half, do follow up. Last time I cancelled my MBB Petronas Gold at the branch and card cut in half, after few months got statement have to pay GST, but since I have cancelled it, no need to pay for it. CIMB and RHB very good, go to branch and cancel and they will make you a copy of the cancellation form.

read later on you want cancel CIMB, well like I said, if you go to branch, they will make a copy of your cancellation request for your records.

Yes you can. Different account. You can have as many AMEX cards you wish i.e. AMEX Gold CC + AMEX Plat CC + AMEX Gold Charge Card + AMEX Maybankard 2 + AMEX Kris Flyer as there are different accounts.

This post has been edited by Gen-X: Jan 26 2011, 11:41 PM

yah, agree, that's why I hardly use my HSBC. But then again, got poeple like us better for others as less competition.

I gave up on HSBC promotion long ago after I spend thousands and did not get the samsonite bag.

Also from Inspired post, it tells us not to put all our money in one bank or use credit cards from banks where you don't deposit money with.

how sure are you that you applied for the Cash Back Plat? Did you tick Cash Back Platinum box if there's one.

that's the "danger" of using agent if you just give them your IC and CC and sign blindly on the form, what the agent fill in after that you got no idea.

Once an agent pleaded to me to get a Citibank Plat card, I applied for it and wrote on the form "if no free annual fees please reject this application" never heard from Citibank at all.

anyway call Citibank CS again, ask for the person name on the phone and write in down. Explain to him/her that you don't want the Gold Card as you did not apply for it. Ask them to cancel it immediately.

As for you qualify or not, I guess Citibank already indicated to you twice.

This post has been edited by Gen-X: Jan 27 2011, 06:12 PM

got no idea what you wrote to them but Citibank you can cancel card over the phone. Just call them again and this time be specific, you want to cancel the Gold Card with immediate effect and not want to complaint that you apply for Plat and they give you Gold. As long as you don't use the card, the GST imposed (if any) will be credited back into the account as in my case when I cancel my Citibank card.


If you want, you can write to Bank Negara Malaysia. look back few pages, someone posted the link. Or do a serach. But you still got to settle with Citibank to make sure you no need pay GST.

This post has been edited by Gen-X: Jan 27 2011, 06:27 PM

smart, kept copy for the application form

as for my case, when I cancel my Clear Card over the phone, it was passed the anniversary date. CS said to pay first and later they credit back within 3 months but the following month it was already credited into my account (in statement) so balance RM0, no need pay anything.

like I mentioned in my blog, applying by faxing in application will be faster and less prone to error. I know my application thru phone will be slow (from my MC Plat by phone vs Petronas Plat at Branch) but I was too lazt to fill in the form and not in urgent need of the card. My application too got problems, still show processing for Gold Card even tho called the girl I spoke to and she said emailed to the dept concern 3 days back.

So for you guys wanting MBB 2 cards fast, fax in application form.

I have written about Maybankard 2 Cards versus OCBC Titanium MasterCard at my blog click link below to my blog,

http://creditcardsmalaysia.blogspot.com/20...an-express.html

sour grapes


My AMEX Gold CC Statement Date is Different from my MBB Petronas Plat Statement Date which I reapplied and got it 2 months ago. However my newest MBB MasterCard Plat which I got last month have the same Statement Date as my MBB Petronas. All 3 share the same Credit Limit.

And you are right, all of 3 them which are credit cards expire in the same month but in different year. I learned something today. Thanks. However my AMEX Charged Card expiry date is different.

This post has been edited by Gen-X: Jan 27 2011, 09:21 PM

ask your sis in law go read below post at my blog
http://creditcardsmalaysia.blogspot.com/20...fer-2011-0.html

in there I got mentioned which is fixed and which is 5%. Ask your sis in law to get CIMB, best in my opinion as separate statement and they very efficient. Asnwer calls fast and 24 hours.

**Edited**
one more thing, CIMB got Tol Free line wheras Direct Access no for CS.

For CIMB and Direct Access, can do BT many times as long as got available credit.

This post has been edited by Gen-X: Jan 27 2011, 10:31 PM

ok, no harm getting most out of your card but for only RM1K+ you want to do BT and then buy some more stuff with installment I think you really leaving beyond your means, not flaming you or anything but just don't fall into the banks' "trap" if you are financially tight. This easy credit given by banks are means to make you spend more.

But to answer your question on how to get installment for electrical goods, tell me what card you have and maybe then I can assist you. And do go to Harvey Norman and check out their price as they offer 0% without any surcharge for almost all cards. Also they do give discount if you pay in full, just ask, buta buta get discount like I did last time bought stuff from them.

**Edited**
in regards to MBB 2 Cards AMEX no installment, well it comes with Visa or MAsterCard which allows you to do installment plans at many merchants.


in BT thread, someone did mentioned he managed to BT for BT but I can't remember from which bank.

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Added on January 27, 2011, 11:08 pm
CIMB do have tol free 1800 for their premium cards just like HLB and MBB

As for CIMB 1 300 it is Tol free if you use land line. click link below.

http://www.directaccess.com.my/index.php?c...3&tpt=cimb_bank

Just for your info even 1800 calls are chargeable with handphone. But starting this year DiGi no charges for 1800 but 1300 still got.

This post has been edited by Gen-X: Jan 27 2011, 11:08 PM

please read the link i posted

the merchant have the option to reverse charge it.

well you and chem might be 99% right and I might be 99% wrong because I based on information provided in the link I posted.

anyway here's one CIMB number confirmed Tol Free Visa Signature Customer Centre at 1800 233 688.

This post has been edited by Gen-X: Jan 27 2011, 11:30 PM

From above, here's what I think

1)if you want do try 0% BT fast and now, you already have MBB Petronas which you can try out by doing your BT to MBB. But this may result in you keeping the card longer if you opt for the 12 months 0% BT. if you got no intention to cancel your Petronas card then no probs.

2) MBB, EON and Citibank are accepted at many places for 0% installment plans.

3) as for your question on MBB 2, yes you still get the 5X TP and 5% cash when you BT to another bank using printed E statement. And once you BT to another bank, yes you got available credit again in your MBB 2 Cards (you don't do BT and pay it off also same thing i.e got available credit).

4) go apply for new cards and then only cancel the Citi after you get the new cards just in case your application got problems (kiasu a bit lah). As for the AEON and EON, go cancel it if you don't need it (minimum 2 months before GST due, kiasu again to allow enough time to follow up). But just to let you know, your MBB 2 Card credit limit will be shared with your MBB Petronas.

As for you refering to my blog on JJ, please note I am not saying you must go buy at JJ, what I am saying is that you get points with your J card AND credit card at JJ. I only buy at JJ if the thing is cheaper than elsewhere. However, I wil say this, JJ card members day is the best day to shop at JJ but for big item, go compare price elsewhere a day or two before the JJ card members day so you can conclude where you get a better price.

Last but not least, do know that if you want to "try" BT, you are asking for "work". You have to plan in such a way that the BT payment is paid before your Due Date and need to follow (I kiasu wan, always follow up on application, approval and paytment) and it be shown in your CCRIS report (as mentioned by some here). If the BT payment is made after your due date, you may end up paying more in the end. Seriously IMHO, for RM1K not worth the effort.

This post has been edited by Gen-X: Jan 28 2011, 08:17 AM

hahaha, but not in Maybankard 2 Cards. You get 5% cash back on Saturdays and Sundays only.