'morning everyone,

Great thread on the credit cards been following it for some time and Gen-X's blog before I decided to apply my first credit card.

If it's ok, I would like to ask for some advice regarding the security of credit cards.

My first try of application is for HSBC Amanah credit card. After two weeks I called the CS to enquire about the application status. The CS said that the application card has been denied. I asked the CS if there'll be any emails to inform that the application has been denied as proof. The CS replied no, there won't be any emails to notify me about that. Is it necessary for me to request for an email to state that or I'm just being over-worried?

My second application is for MBB2 Gold cards. Checked my system frequently, and it has just been approved yesterday
I will be collecting it at a branch. About the collection method, I have heard of differing opinions. Some said it is not safe to collect it from the banks, while some says it otherwise. Besides, if we collect it from the banks, how do we know if the card has not been tampered with?

Previously I read it somewhere in one of the threads, it seems that we also need to sign and write the 3 digit code at a form? Would that expose the credit card security features? If the cards were posted, then there's no hassle of filling up the form and returning it. So, when collecting it at the branch, can we just not sign the form?

Thank you~

well, i've heard a lot of horror stories on credit card ma I was not sure if I should apply for one because I don't want to end up in debt accidentally, haha. Self-discipline very important. Yup, I saw the new security features.

Thanks, will do

Alright, noted.

yay! finally got my MBB2Card Gold

I will try it this Saturday.

By the way, I just noticed that for MBB2Card Amex, there is a 4 digit number on top of the American Express logo in front. What is that number for? It is not the security number, isn't it?
And at the back of it, the full CC number is written at the back, together with the 3 digit security number. Does it mean that if once a person copied that number at the back, they'll be able to make transaction using your credit card (without the physical credit card?)

As for the MBB2Card Visa, there is also a 4 digit number on top of the 'member since' in the front. Does anyone know what number is this?

Also, I asked the CS how to register for the e-statement as I do not want paper statement (which is by default option). She asked me to register it through M2U. I tried checking under 'Statements' and 'Bills & Credit cards', but couldn't find it. Anyone have registered for the e-statement option before?

Appreciate your replies Thank you.

Ok, noted.

Yalor, the space for signature is quite small (Amex's).

This post has been edited by fuu: Apr 1 2011, 12:13 AM

Was browsing around and saw this:

http://www.offerstation.com/dining-food-of...t-pizza-hut.htm

I was wondering the same thing too.

Took beyond86's advice and called the CS. In my case, my statement's date is on the 24th of every month (the statement date varies from one individual to another). So, I will have 20 days after the statement date to pay off the amount.

Oh ya, I forgot to ask the CS just now. Is it possible to clear off the amount before the statement date (in my case, before the 24th)? Is it advisable? Have anyone tried it before? if yes, what will the outstanding amount? RM 0.00?

Another thing is, let's say I have paid the amount on the 26th, how long does it usually take for the system to update this? Through online banking, for instance.

This post has been edited by fuu: Apr 18 2011, 09:47 PM

I see. That's good. I wanted to do that, but not sure if can or not. Thanks for the clarification.
In that case, does your statement appear as RM 0.00? If you sometime pay more than the outstanding balance, does it appear as -RMx.xx?
Just curious.

Well, previously I was swiping my cards happily. And the amount of money in my savings account still untouched. So, I keep thinking I have that amount of money. Then, each time I swipe the card, I have to keep in mind that I still have this much of actual amount after deduction, so I do not overspend and put myself in debt. That is why I thought of settling it earlier. Not a good idea?

Alright, I will refer to the IBG thread. Thanks for the info.

Ahem, first time cc user ma that's why feel excited.

Nope, I am not (because I can't afford to be a shopping maniac), although sometimes very tempted But, I will try to get it off my mind by walking around the shopping centre. After the temptation had subsided, then I am safe, haha.

same here. I did the transaction on Sunday (24/4)but until now it's not charged (to my Visa).
Is it just me or I noticed that Visa transaction is always slower to be in the system (compared to Amex)?

Or it is normally slower if transaction is done over the weekends?

Yup, I agree on that. So far have you tried any transaction with your Visa (in case Amex is not accepted?). How fast is the transaction posting?

Oh, I see. Today's the 3rd day after transaction. Will see if it appears in the system tomorrow then

yay, the cash rebate is in!

Mine is calculated for my purchases made until the statement date, in my case, until the 24th.

I thought so too and included the purchases I made till end of the month, but it did not tally.
Then, I tried calculating till the statement date, and the amount is right

Let's see what the others say about their rebates.

Ah yes, I only included the transactions on Saturdays and Sundays (dates as mentioned by ronnie).
Sorry, forgot to mention that