it could be the reason. i got existing card and car loan with a good payment record, fresh grad, working in sdn bhd before applying for citibank credit card.

hi, wta about cc payment...
i have a cimb DA gold card...
can i pay my cc even though that i have no outstanding or amount due, but my credit available is below limit?? (becoz im on installment)

For DA, can as the overpaid amount will show as negative.

so, later if the card is charged, it will just deduct the overpaid amount?

In a simple explanation yes.
However, I would not call it a deduction. It is more of a reconciliation of your debit and credit balances.

alright, thanks for the reply...im just a little bit confuse about how cc works...at least this clears my mind a bit...

Yes, there is no interest-free period if you have carry forward balance (reworded for clarity) for MY credit cards for some time already, this was introduced along with tiered interest rates.

Note that credit card interest is calculated a bit differently from most kind of loans. For example, using the example in Wikipedia, interest is charged differently if instead of a single RM1000 transaction, you have 2 x RM500 transactions. If you have a carry forward balance of RM1, you will be charged interest on RM1000 for the first scenario but only RM500 for the second.

Given your example scenario, when you repay RM1500 is also a factor in interest calculation.

A possible difference with MY banks is that e.g. if you repay your statement balance in full 2 days after due date, some banks might charge you interest while other banks might not.

This post has been edited by charymsylyn: May 11 2011, 10:52 PM

Ok..since i get reject yesterday..can i apply other bank cc now or need to wait for a month then only apply other bank cc?

Of course you can other bank CC immediately.

Hahahaha, that sounded nostalgic, I got rejected 5 times before I actually gotten a credit card!

My 5th credit card was only a Citibank!

This post has been edited by chunglern: May 11 2011, 11:05 PM

hey guys,
i want to know what will happens if my card is approved,
but i dont want it ady,
and i still havent collect the card frm the bank yet..
thx

Dont need to collect, just call CCC to cancel it. Then follow up after 1-2 weeks or so...

Try these three banks, i got rejected for few others and these three let me through.
CIMB, HLB & AMBANK

what is CCC?
sorry noob here...

Hi, may I know Maybank CS got other number other than the 1300? Thank you.

0378443696

click below link to my article Malaysia Credit Cards Customer Service Contact Numbers
http://creditcardsmalaysia.blogspot.com/20...er-service.html

Thank you very much to both reply =)

This is Amex i think?

I call already, it is just the same as 1300...

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Added on May 12, 2011, 12:18 pmNow only I know that for Maybank CC, if you accidentally swipe over the credit limit, no charges implied. You just cannot swipe the card anymore until you paid off the o/s amount to below your credit limit. =)

This post has been edited by celaw: May 12 2011, 12:18 PM