Everybody starts to rebuild credit card combination due to MBB2. LOL.
My DA MC still has FlexiPay which will finish within 4 months. In this 4 month's time, if CIMB MC does not come out with attractive features, then byebye.
Oh ya, TreatsPoints is evergreen; CIMB pts expires in 3 years.

I was really misinformed then!! Why was I always misinformed??
Thank you for the link.

i always keep amex, mc, and visa in my wallet. no need to rebuild

ur welcome
always check the website rathern than ask the cashier?

Everybody starts to rebuild credit card combination due to MBB2. LOL.

If I have MBB Amex Credit Card (without MBB logo) and it still has many months of 0% installment for Maxis iPhone4, ff apply Maybank 2 CC, can it transfer to the new Amex CC ?
Or must settle everything ?
Or consider as balance transfer ?

told already before. seems imposibble to transfer amex MR card to amex TP card.
need to settle everything. but, maybe got penalty fee for early termination of current installment.
no idea if can BT amex MR (non mbb logo) to amex TP (mbb logo).

I'm not worry on the transfer MR/TP. I can spend all that.

I'm more curious on the installment plan, how to deal with it. I can settle full, but just wondering if can transfer the installments or not, and as you mention, if there are any penalty.

i also didnt mean about the points.

what i mean is the type of card.
amex mbb TP (such as pantai) should have no prob to upgrade/transfer to new maybankard 2.
since both amex with mbb logo and use TP.

you can always blank out the CVV code

If can, will transfer or pay full, and use only MBB 2 CC (Amex & Visa) = RM50 GST for two cards.

If penalty >RM50, then might as well I retain one of the card (that has 0% installment on-going), and apply for MBB 2 CC. = RM50 + RM50 GST
Total 3 CC

Otherwise, if I keep it as it is now and don't apply, my two MBB CC (Amex + Visa) also RM50 + RM50
Total 2 CC only.

Therefore, conclusion is, submit application for it. 

Have a nice weekend. 

depends on the bank.

like HSBC, to convert to installment, need approval code at the slip.
if u purchase online usually dont have approval code (such as at airasia / gsc / tgv website).
so u cannot apply for flexi payment.

but CIMB no need approval code. just need amount and company name.
i did convert smart-flexi pay for takaful pay-by-phone (10 months free for insurance)

so it depends on the bank policy also la,
better ask the CS before making any transactions online,
whether can or not use flexi payment,
if cannot, once bought it, die standing me with the finance charge

ok here my experience with DA (previously):

my DA cant swipe at same brand (not same location) petrol more than 2x/day.
but last time i encounter this prob is back to year 2008 if not mistaken.
since then i never swipe more than 2x at same brand petrol station.
dunno if now no more restriction like that. also not using DA anymore for petrol

btw, swipe at esso then mobil consider as 2 different brand.
and why u swipe 3x in a day? u can just pump rm120 and get 4x entries of myvi contest at esso/mobil

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.

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.

By the way, TM is really efficient (in email at least) . I got my reply pertaining to the RM2 and RM4 rebate. 

I din feel comfortable to provide both side of cc, haha...