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

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Gen-X
post Jan 22 2011, 07:58 AM

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QUOTE(MGM @ Jan 22 2011, 07:02 AM)
I dont feel safe applying cc using email, as the scanned documents (ic and cc) in email can be rechanneled easily and reproduced clearly if they fall into the wrong hands. Fax copies which is not very clear would be better in my opinion.
May be I am being paranoid especially after watching those internet-related movies
*
True if you just scan your IC straight off. Good to be kiasu as far as IC is concern, don't want later find out somebody took a loan with your IC.

Nowadays with 3 in 1 printer that print, scan and copy, first make copy of you IC in black and white. You have the option to set the quality of the print. Then crossed the IC with words like Maybank CC Application Only. Same thing with your CC but this time also blank out the CCV. Then only scan and sent the doc via email.
Nepo
post Jan 22 2011, 09:05 AM

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SCB Platinum card-"Free unlimited asscess to KLIA Premium Plaza Lounge". Could anybody elaborate more on this term? Is it mean that the refreshment (food & drink) is provide free of charge for unlimited usage for any one day? rclxub.gif

This post has been edited by Nepo: Jan 22 2011, 09:06 AM
chemistry
post Jan 22 2011, 09:16 AM

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QUOTE(MGM @ Jan 22 2011, 07:02 AM)
I dont feel safe applying cc using email, as the scanned documents (ic and cc) in email can be rechanneled easily and reproduced clearly if they fall into the wrong hands. Fax copies which is not very clear would be better in my opinion.
May be I am being paranoid especially after watching those internet-related movies
*
The recent three cc of mine were applied through email. I always cross the IC & cc copy with 'XXX application only'.

instead, applying cc through card agents is even riskier, as you might not even have the chance to cross those docs especially when the kiosk is crowded.
timetravelller
post Jan 22 2011, 09:29 AM

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QUOTE(winner @ Jan 21 2011, 10:07 PM)
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.
*
but i have no enough money i still can buy it use cc what, let's say i ahve 25% of $ to buy an item, i just use cc swipe it la. then i use other other bank like DA BT6 months or MBB BT 12 month for interest free. why not?? provided ur credit limit divide by 12 is sufficient for ur monthly payment then everything is ok. u defeat the fully enjoyment of credit card.

This post has been edited by timetravelller: Jan 22 2011, 09:30 AM
winner
post Jan 22 2011, 10:04 AM

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QUOTE(Nepo @ Jan 22 2011, 09:05 AM)
SCB Platinum card-"Free unlimited asscess to KLIA Premium Plaza Lounge". Could anybody elaborate more on this term? Is it mean that the refreshment (food & drink) is provide  free of charge for unlimited usage for any one day?  rclxub.gif
*
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.


QUOTE(timetravelller @ Jan 22 2011, 09:29 AM)
but i have no enough money i still can buy it use cc what, let's say i ahve 25% of $ to buy an item, i just use cc swipe it la. then i use other other bank like DA BT6 months or MBB BT 12 month for interest free. why not?? provided ur credit limit divide by 12 is sufficient for ur monthly payment then everything is ok. u defeat the fully enjoyment of credit card.
*
Banks definitely like a customer like you! A customer who spend beyond his/her mean and yet enjoy swiping card. biggrin.gif
hye
post Jan 22 2011, 10:09 AM

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QUOTE(chemistry @ Jan 22 2011, 09:16 AM)
The recent three cc of mine were applied through email. I always cross the IC & cc copy with 'XXX application only'.

instead, applying cc through card agents is even riskier, as you might not even have the chance to cross those docs especially when the kiosk is crowded.
*
Yes ... this is the good practice to have.
One way to make sure agents cross the docs is, do not signature / leave the booth until they cross the docs in front of you. They will get the message.


Added on January 22, 2011, 10:11 am
QUOTE(winner @ Jan 22 2011, 10:04 AM)
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.
*
Food is the MAS Golden Lounge will be better than the one in Plaza Premium Lounge. The food in Plaza Premium Lounge sometimes borders between edible and not.

This post has been edited by hye: Jan 22 2011, 10:11 AM
MGM
post Jan 22 2011, 10:14 AM

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QUOTE(Gen-X @ Jan 22 2011, 07:58 AM)
True if you just scan your IC straight off. Good to be kiasu as far as IC is concern, don't want later find out somebody took a loan with your IC.

Nowadays with 3 in 1 printer that print, scan and copy, first make copy of you IC in black and white. You have the option to set the quality of the print. Then crossed the IC with words like Maybank CC Application Only. Same thing with your CC but this time also blank out the CCV. Then only scan and sent the doc via email.
*
Good Idea GenX. Maybe will do just that.

I have never applied cc thru Agent even with the free gifts. Just do not want to take the risk in case of unscrupulus agent.


Added on January 22, 2011, 10:21 am
QUOTE(Nepo @ Jan 22 2011, 09:05 AM)
SCB Platinum card-"Free unlimited asscess to KLIA Premium Plaza Lounge". Could anybody elaborate more on this term? Is it mean that the refreshment (food & drink) is provide   free of charge for unlimited usage for any one day?   rclxub.gif
*
Call the lounge and they say it is for two hours free access only. After that it is chargable. And there is no discounted charges for kids.


Hope they will add this benefit into the Maybankard 2 Amex like their other Amex cards.

This post has been edited by MGM: Jan 22 2011, 10:24 AM
titan-x
post Jan 22 2011, 10:43 AM

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i dont know where to post this... perhaps this is the right channel...

last two week i received a Maybank credit card (sorry couldn't recall exactly which card it is)... i didnt apply any credit card before... so i was thinking to return back to maybank as i dont need it.

but apparently due to busy with working, i dont have a chance to visit Maybank and recently i received several calls from unknown phone no...

he said he is calling from maybank and would like to offer some discount whatsoever... he ask me the expiry date of the card but im not keep it in my wallet so i didnt give him any info... so just now he call me again, so i ignore him as i suspect something is not right... he called me few times but using his own handphone no... weird... during office hour why not calling using office phone as he claim he is from Maybank...

so anyone encountered this before? is there anyway for me to check it is correct or not as he seems like now a bit of my details... worried it is just a scam...

thanks.
Alec.Yong
post Jan 22 2011, 10:44 AM

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Apply MBB 2 Card on Tuesday, today check on M2U, cards number already appear on it. smile.gif
erry-
post Jan 22 2011, 10:46 AM

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QUOTE(timetravelller @ Jan 22 2011, 09:29 AM)
but i have no enough money i still can buy it use cc what, let's say i ahve 25% of $ to buy an item, i just use cc swipe it la. then i use other other bank like DA BT6 months or MBB BT 12 month for interest free. why not?? provided ur credit limit divide by 12 is sufficient for ur monthly payment then everything is ok. u defeat the fully enjoyment of credit card.
*
pls remember, free interest BT is only for limited time (promo).

later all bank no longer offer free interest BT, then how? sweat.gif

QUOTE(MGM @ Jan 22 2011, 10:21 AM)
Call the lounge and they say it is for two hours free access only. After that it is chargable. And there is no discounted charges for kids.
Hope they will add this benefit into the Maybankard 2 Amex like their other Amex cards.
*
sorry but i dont think maybankard 2 amex plat will have access to airport lounge sad.gif

its very rare a credit card will offer this benefits later after people applied. if offer other discount yes.
coz bank should highlight this when offering, such as new cimb vs (even just 2x/year).

notworthy.gif

This post has been edited by erry-: Jan 22 2011, 10:53 AM
erry-
post Jan 22 2011, 10:51 AM

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QUOTE(titan-x @ Jan 22 2011, 10:43 AM)
i dont know where to post this... perhaps this is the right channel...

last two week i received a Maybank credit card (sorry couldn't recall exactly which card it is)... i didnt apply any credit card before... so i was thinking to return back to maybank as i dont need it.

but apparently due to busy with working, i dont have a chance to visit Maybank and recently i received several calls from unknown phone no...

he said he is calling from maybank and would like to offer some discount whatsoever... he ask me the expiry date of the card but im not keep it in my wallet so i didnt give him any info... so just now he call me again, so i ignore him as i suspect something is not right... he called me few times but using his own handphone no... weird... during office hour why not calling using office phone as he claim he is from Maybank...

so anyone encountered this before? is there anyway for me to check it is correct or not as he seems like now a bit of my details... worried it is just a scam...

thanks.
*
1. if u received a credit card from bank without applying, but dont need it, better cancel immediately to avoid gst being charged.

if cant go to branch, just call (tell them u dont want the card / never applied).

2. DONT GIVE any credit card info if u 'receiving' a call!

if u the 1 who 'make' the call (example to insurance company - u dial the number) then no prob.
but just give front info (usually only this what they ask, in-case u want to renew insurance by phone).

if bank really call u, mostly bcoz want to verify transaction, and they dont even ask for ur card number, let alone expiry date ~

btw, yes u ask at the right channel here smile.gif


Added on January 22, 2011, 10:59 ambtw titan-x, if he call u again, just said u already terminated the card brows.gif

if he said like "eh in the system still got" then u reply "thats maybank system problem, not me. BYE".

laugh.gif

This post has been edited by erry-: Jan 22 2011, 11:00 AM
TSMilesAndMore
post Jan 22 2011, 10:59 AM

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QUOTE(Alec.Yong @ Jan 22 2011, 10:44 AM)
Apply MBB 2 Card on Tuesday, today check on M2U, cards number already appear on it. smile.gif
Congrats ! rclxms.gif More savings for you once you receive the cards.

spikey2506
post Jan 22 2011, 11:17 AM

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I tried calling CS just now to apply the new 2, as I currently hold an Ikhwan card. Was told to submit the application form only, no need other supporting documents. Was hoping that I could apply just by calling.
MGM
post Jan 22 2011, 11:36 AM

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For MBB 2 Amex card:

Did somebody mentioned that the supplementary card holder do not enjoy cash rebate and treatpoints?

Supplementary cards must be issued in pair just like the principle cards and being charged rm25/card ?


Added on January 22, 2011, 11:38 am
QUOTE(Alec.Yong @ Jan 22 2011, 10:44 AM)
Apply MBB 2 Card on Tuesday, today check on M2U, cards number already appear on it. smile.gif
*
That was fast. Apply thru agent, email or fax?

This post has been edited by MGM: Jan 22 2011, 11:38 AM
animeme
post Jan 22 2011, 11:52 AM

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Just wanna know, can a maybank debit card be used like a credit card globally when I go travelling?

Any Debit card link here not?
titan-x
post Jan 22 2011, 11:54 AM

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QUOTE(erry- @ Jan 22 2011, 10:51 AM)
1. if u received a credit card from bank without applying, but dont need it, better cancel immediately to avoid gst being charged.

if cant go to branch, just call (tell them u dont want the card / never applied).

2. DONT GIVE any credit card info if u 'receiving' a call!

if u the 1 who 'make' the call (example to insurance company - u dial the number) then no prob.
but just give front info (usually only this what they ask, in-case u want to renew insurance by phone).

if bank really call u, mostly bcoz want to verify transaction, and they dont even ask for ur card number, let alone expiry date ~

btw, yes u ask at the right channel here smile.gif


Added on January 22, 2011, 10:59 ambtw titan-x, if he call u again, just said u already terminated the card brows.gif

if he said like "eh in the system still got" then u reply "thats maybank system problem, not me. BYE".

laugh.gif
*
thanks bro! biggrin.gif
i asked around just now all my friends said better call maybank to cancel the credit card...

btw, i like your idea when he call again... will said to him later icon_rolleyes.gif
erry-
post Jan 22 2011, 12:03 PM

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QUOTE(animeme @ Jan 22 2011, 11:52 AM)
Just wanna know, can a maybank debit card be used like a credit card globally when I go travelling?

Any Debit card link here not?
*
yes. can. no problem. but must have enough balance biggrin.gif

btw, debit card thread is here - http://forum.lowyat.net/topic/1205618

QUOTE(titan-x @ Jan 22 2011, 11:54 AM)
thanks bro!  biggrin.gif
i asked around just now all my friends said better call  maybank to cancel the credit card...

btw, i like your idea when he call again...  will said to him later  icon_rolleyes.gif
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ur welcome brows.gif

chemistry
post Jan 22 2011, 12:29 PM

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QUOTE(MGM @ Jan 22 2011, 11:36 AM)
For MBB 2 Amex card:
Did somebody mentioned that the supplementary card holder do not enjoy cash rebate and treatpoints?
Supplementary cards must be issued in pair just like the principle cards and being charged rm25/card ?
*
Supp card also earns 5X TP as principal card does.
However, principal & supp cards will share a RM50 monthly cashback limit.
Yes, supp cards will be issued in pair just like principal cards. One RM25 GST, two supp cards. If you don't want to use Visa/MC, just keep it in drawer.
Alec.Yong
post Jan 22 2011, 01:00 PM

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[quote=MilesAndMore,Jan 22 2011, 10:59 AM]Congrats !  rclxms.gif  More savings for you once you receive the cards.
*

[/quote]

I m thinking which MBB card shall I cancel once I got the MBB 2 Cards. tongue.gif


Added on January 22, 2011, 1:02 pm

Added on January 22, 2011, 11:38 am

That was fast. Apply thru agent, email or fax?
*

[/quote]

Applied thru phone, i am existing MBB card holder.

This post has been edited by Alec.Yong: Jan 22 2011, 01:03 PM
zenquix
post Jan 22 2011, 01:50 PM

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QUOTE(chemistry @ Jan 22 2011, 12:29 PM)
One RM25 GST, two supp cards. If you don't want to use Visa/MC, just keep it in drawer.
*
There is a dispute on this as the T&C states RM25 per card.

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