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

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winner
post Jan 27 2011, 06:40 PM

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QUOTE(choonkeong @ Jan 27 2011, 06:18 PM)
MBB 2 Card
19-01-2011 morning application received.
21-01-2011 morning application approved.
26-01-2011 morning cards received.
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I guess you are the first one here receiving the cards.

I applied for the cards through telephone on 21-1-11, without submitting any document. I called MBB CS hotline just now, and was informed there was no application status. I don't see any new cards in my M2U yet. I guess my application has lost in space already. doh.gif
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post Jan 27 2011, 07:11 PM

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QUOTE(andrekua @ Jan 27 2011, 07:01 PM)
hi there bro,

Is this card really worth it? Someone from MBB called me for pre-approved card just now. Sounds too good to be true... is there any catch?

- only pay RM50 GST for one VISA and one AMEX
- 5x points on AMEX, 1x on VISA
- 5% cash back on weekends with, AMEX capped at RM50/month
- lifetime waiver

This is much better than OCBC Titanium, but is there any catch? I thought lastime 5x only for selected outlet but now he's claiming all outlet also can get 5x points. Please enlighten me as MBB site lack detailed info.
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This Maybankard 2 Amex is better than OCBC Titanium MC. However, the only setback is that Amex is not widely accepted locally and worldwide.
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post Jan 27 2011, 07:36 PM

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QUOTE(andrekua @ Jan 27 2011, 07:04 PM)
Utility companies will only accept CC for their own bills, not others.
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If my memory serves me correctly, I saw people paying their TM and water bills at Kedai Tenaga.
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post Jan 27 2011, 07:58 PM

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QUOTE(nicky_85 @ Jan 27 2011, 07:44 PM)
since i jz apply AMEX 2 months ago and oledi paid GST, i hv to wait until my card almost 1 year, then only i plan to cancel it and apply this dual credit card. my question: my salary is 2.5k, entitle to apply this dual credit card now, but few months later i will work at my hometown, my salary will be lower than current salary, so during tat time, can i apply the dual credit card successfully?(my salary doesnt meet the requirement during tat time)
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With your current salary you are qualified for Maybankard 2 Amex Gold. If I were you, I'll apply for Maybankard 2 Amex immediately without any hesitation. The sooner you get the card the more you save. What's the point of having 5x points from Amex Gold cc since you can get an additional 5% cash back from Maybankard 2 Amex during weekends? Believe me, the RM50 service tax that you have already paid for Amex Gold cc will easily be covered back from the rapid saving from Maybankard 2 Amex.
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post Jan 27 2011, 08:14 PM

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QUOTE(nicky_85 @ Jan 27 2011, 08:02 PM)
thx for reply, my point is can i apply the dual credit card successfully?(my salary doesnt meet the requirement during tat time)
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Since you haven't taken a pay cut, why don't you apply for the card now?

Even though your salary with your new job few months later will be less than RM30,000 per annum, you are already an existing Amex Gold cc holder and you have a high chance to get it approved.
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post Jan 28 2011, 09:22 PM

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QUOTE(siutimtim @ Jan 28 2011, 02:48 PM)
so if got mc worldcard from stanchart can apply visa infinite from direct access or cimb ahh..  tongue.gif
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It GENERALLY depends on 2 factors, your current salary OR current CL. Bear in mind that SCB Preferred WMC does not guarantee a high CL.

Before getting SCB Preferred WMC, I have already possessed SCB JustOne Titanium MC. After obtaining SCB Preferred WMC, my CL was not increased and both my SCB cards share the CL.


QUOTE(rayfoo @ Jan 28 2011, 08:30 PM)
oh i just checked my ocbc titanium, i got some cash back as following ...this should be the extra 3% rebate for paying bills online...guess i didnt get the extra 2%..although they sent me the email
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I have also received the additional 3% rebate for online bill payment. And, it looks like OCBC gave me more than 3% rebate!


QUOTE(rayfoo @ Jan 28 2011, 08:57 PM)
does anyone know if the 5% cashback for weekends for maybankard2 amex applicable for online transactions?
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Since you have already received the card, why don't you try it first and keep us informed?
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post Jan 28 2011, 09:43 PM

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QUOTE(Gen-X @ Jan 27 2011, 06:55 PM)
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.
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Gen-X, I suffer the same fate as you. I applied for Maybankard 2 Amex Platinum and Visa Platinum through telephone last Friday morning, WITHOUT submitting any documents. When I checked with MBB CS just now, my application has just been approved. To my surprise, they give me Gold cards instead!

I guess it could be due to my current record with MBB, as currently the only cc product from MBB that I own is Amex Gold cc. However, during my application through telephone, I have highlighted I only wanted Platinum cards. And just now, the CS officer told me that they could not change the cards to Platinum now. It looks like I have to ask them to cancel my application immediately. What the hell!
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post Jan 28 2011, 10:24 PM

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QUOTE(Gen-X @ Jan 28 2011, 10:05 PM)
Sorry to hear, last you reported not in system, suddenly approved.

My so called Gold Card application have been taken off from MBB system but the Plat card request yet to be updated. Like you I have Amex Gold CC but I also have Petronas Plat Visa and MBB Plat MasterCard with them and the combined CL is pretty high (as far as I am concerned). Maybe my request for Maybankard 2 Cards Plat may not even be approved  sweat.gif Anyway not urgent need of the card since new year coming and shopiing all done.
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The current CL of my Amex Gold cc is considered quite high too. Anyway, let's see what will happen as I mentioned to them clearly I only wanted Platinum and would cancel the application otherwise.
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post Jan 29 2011, 12:08 PM

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QUOTE(spikey2506 @ Jan 29 2011, 01:59 AM)
I emailed them last Friday, got a confirmation email from them last Sunday. And today. both MBB 2 AMEX and Visa appeared in my M2U.
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21-1: Application through phone without submitting any documents
27-1: Called MBB CS but was information my application was not in the system
28-1: Called MBB CS and was informed my application has been approved, but they were Gold cards instead. I asked them to change both cards to Platinum
Today 29-1: Called MBB CS again. This time I was told my application was in process. No cards have been approved yet. doh.gif

I guess they have removed the Gold cards in their system and they are now reprocessing my application.
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post Jan 29 2011, 11:19 PM

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QUOTE(felix2212 @ Jan 29 2011, 10:52 PM)
Worry of no way to use Amex in Melaka....

Anyone know what kind of shop/outlet will be accept Amex?
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In Malaysia, other than Klang Valley, acceptance of Amex acceptance is very poor. Only hypermarkets, petrol stations and big hotels as well as very few restaurants accept Amex.
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post Jan 29 2011, 11:24 PM

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QUOTE(ronnie @ Jan 28 2011, 11:31 PM)
rayfoo/winner:
The 3% Rebate for OCBC Titanium for Internet Banking's actual value is 5%, based on my calculation on all OCBC Internet Banking transactions. Basically that's the 3%+2% special offer period. I get 5% even I didn't get the special email invite.
rclxms.gif  drool.gif
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Based on the latest rebate I received, it was actually 6% rebate and not 5% (3% + 2%) rebate as promised! biggrin.gif
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post Jan 30 2011, 08:26 AM

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QUOTE(Shinichi @ Jan 30 2011, 02:07 AM)
Just curious, is it possible for me to apply for M2 Plat cards by phone even I do not meet their income requirements? I'm only eligible for M2 gold now...
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If you don't meet either one of the requirements for Platinum card, i.e, income or CL, you GENERALLY won't be able to be granted a Platinum card.
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post Jan 31 2011, 10:40 AM

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QUOTE(erry- @ Jan 31 2011, 09:53 AM)
1. Alliance Debit Platinum also can access plaza lounge.
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For Alliance Bank, besides Alliance Platinum credit card and Alliance Platinum debit card, Alliance Premium debit cardholders are also allowed to enter Plaza Premium Lounge.

Gen-X, Amex Platinum charge card and Amex Platinum credit card give unlimited free entries to Plaza Premium Lounges at KLIA, LCCT and Senai.
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post Jan 31 2011, 12:11 PM

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QUOTE(felix2212 @ Jan 31 2011, 10:42 AM)
So, can we suggest to have a page write-up for which merchant can accept Amex, and can be update time by time.
notworthy.gif
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Instead of listing all merchants accepting Amex, you should tell us which merchants you think supposedly accept Amex but decline your card. Al-Ikhsan in big shopping complexes in the Klang Valley selling branded sports products is one of them.


QUOTE(erry- @ Jan 31 2011, 10:54 AM)
oh Amex Gold Credit also get Access to Plaza Premium Lounge.
but got terms like ambank, only can access if charge above RM2,000 for air tickets or travel packages booked through AMEX Gold Travel Service partners ~
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It is Amex Gold charge card, not Amex Gold credit card. doh.gif

We were talking about complimentary FREE access to airport lounges with no strings attached. If you refer to complimentary entries with conditions (like air tickets must be booked via the respective cards with specific amount), there are many more offering this such as OCBC Titanium.
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post Jan 31 2011, 12:22 PM

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QUOTE(staind @ Jan 31 2011, 12:17 PM)
My OCBC Titanium MC was rejected twice even after appeal. Not sure the reason as meet the income requirement. Never default car & credit card loans. Sad of me.
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You may need to get your credit report at BNM and see the status of your credit exposure. Banks normally assess your repayment ability based on some criteria.
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post Jan 31 2011, 10:02 PM

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QUOTE(Gen-X @ Jan 31 2011, 09:36 PM)
winner: I just check with Amex CS and my application still Gold Card, last week taken out from system, now back in  doh.gif But come to think of it, I will accept the Gold Card if they give it to me and then apply for Platinum Card again (this time fax in or thru branch) and get both cards like I did last time I hold both MBB Petronas Gold and Plat.
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I was a bit worried after reading your post. Just now I called MBB CS immediately. The officer informed me that my application is still "in process". I guess my application is hanging. If I do not receive any response after the fourth day of CNY, I would apply through fax then.

The problem is that, if you accept Maybankard 2 Gold now and request for an upgrade to Platinum later, you would probably be charged the RM50 service tax twice.
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post Jan 31 2011, 10:12 PM

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QUOTE(Gen-X @ Jan 31 2011, 01:40 PM)
winner: I couldn't confirm on the AMEX Plat CC from Amex website and therefore did not want to include. AMEX website did mentioned about the charge card but those people fly first class anyway.
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I can confirm that Amex Platinum main cardholders (both charge card and credit card) as well as supplementary cardholders are allowed to enter KLIA and Senai Plaza Premium Lounges free of charge. I saw the images of these two cards at the entrance of both KLIA and Senai airport lounges.

Although I have never been to LCCT Plaza Premium Lounge, the officers at KLIA Plaza Premium Lounge also told me that main cardholders and supplementary cardholders of Amex Platinum charge card and credit card are granted free access to LCCT Plaza Premium Lounge.
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post Feb 1 2011, 05:26 PM

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QUOTE(slavin23 @ Feb 1 2011, 04:55 PM)
Guys, i m kinda confuse here..when i read back the post regarding HLB essential card...some said that the cash back given is based on denomination of RM1, some sais that there is a tier for it but some shown a calculation on his own usage saying about generous for the rounding up...
So which one is true actually? Is is 1% on everything(including petrol and regardless of amount spent ) or there are tier or whatsoever to it??
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Somebody here mentioned that HLB Essential's cash back is no longer based on spending block of every RM100, and the cash back has no tier at all. Unlike other cash back cards, petrol expenses are not entitled to cash back under HLB Essential's cash back system.


QUOTE(Embrangle @ Feb 1 2011, 05:12 PM)
Hello guys.. What you guys still think of CItibank cash back platinum? still worth it?
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With the introduction of OCBC Titanium MC and Maybankard 2 Amex, Citibank Cash Back Platinum is considered worthless.
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post Feb 1 2011, 06:11 PM

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QUOTE(slavin23 @ Feb 1 2011, 05:32 PM)
meaning instead of using the card for petrol we shud use it for others expenditure lo...not bad also what...
thx winner  rclxms.gif

or is there any better card to be recon for 18k p.a or 30k p.a ??
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Cash back rate of 1% is not attractive nowadays. You may refer to page 1 of this thread for card recommendation and its income requirement.

My recommendation for you is that you should get Maybankard 2 Amex Gold and use it as your primary card, if you earn RM30,000 per annum. You can then use your HLB Essential as a backup if Amex is not accepted by the merchant.
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post Feb 1 2011, 06:37 PM

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QUOTE(cyril85 @ Feb 1 2011, 06:29 PM)
what the use of  HLB Essential? only 1% cash back rite? alliance younique is better rite with 2% cash back
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You need to be fully aware of how Alliance Younique's cash back system works. It is based on tiered system. The maximum cash back per month is RM68.25 or 1.365% only. If you spend only a few hundred per month, the cash back you get is peanut.

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