what if my cc application is approved and received the cc, can i cancel it?
will i b charged the GST?

You do realised that Amex has the highest exchange rate, right? At the end of the day, the 2.5% does not really help, unless you are spending locally 

Why would Amex (not Maybank card) Forex rate be higher than our local banks?  Can you enlighten me how Amex's conversion rate works? If not mistaken Amex got their own bank in US but not here.

Erh, not sure about your example but the 2.5% admin charge is on top of the forex rate whence compared to other card which effectively negates the 5x points, assumed to be equivalent to 2.5% rebate. Thus, after taking into consideration the higher forex itself, the effective rates would be more unfavourable. Further, this does not even take into account double conversion rate, if the foreign currency is not USD, plus how can we ensure we only spend on weekends? Oh, the RM50 per month cap means 5% cashback only good for upto RM1000 of spending 

Maybe my statement is misleading. I am not talking about admin fee but on the forex rate itself i.e. Amex Forex Rate higher than MBB, SCB, HSBC, UOB, ABB, etc? Or these banks rate is based on Visa/MasterCard Forex Rate (where I suppose they would also charge an admin fee) and then the banks charge a 1% on top of the converted amount by Visa/MC. I really don't know how we are actually being charged when a Bank states that there is an Admin Fee of 1%

Paypal is free of charge for payment transaction.
but receiving funds from others got fee, depending on the transfer amount. The higher the amount, the higher the fee.

PayPal becomes an alternative to make use of AMEX cc to make payment to merchants that don't accept AMEX directly but PayPal.

For instance,
1.Pay Maxis bills online by using paypal-Maxis. (require the Maxis users themselves to have to use paypal)
2.TGV online booking
3.GSC (booking via IPhone Apps)
etc

GST for credit cards is implemented by Ministry of Finance and was gazetted in the Constitution. Abolishment will need to be discussed in Dewan Rakyat and it's gonna take some time to finalize.
Don't listen to rumours. Read news, please.

Did you see the description beside the tier?
It depends on how long you have been making repayment in full.

thats why its funny since i also click the FB only

Hi,

My mom have 2 cards under her name
-Classic
- Pb Esso Mobil

So the classic will be used by my mom while the esso mobil will be used by me. When my mom collect the card , the service Representative of the branch told us that the credit will be share. So when the statement comes it will come together and there is a TOTAL amount need to be paid.

Example -

My mom uses 2k in her own card, and i use 2k in my own card. So when the statement comes it will be 4k . So i just take rm4k and bank into my card since its the same name and same credit. And when this month statement comes, they charge me late payment to my moms card because she didnt do any payment last month. Is that fair to me? I was not aware and they didnt even mention when it comes to paying i have to pay separately.

Besides this, My moms card out standing is around rm1.3k while mine i use almost 1k but only rm 200 to pay.

Will they be any interest to my moms card? can i appeal or something?

Going to the bank and ask will be better or just call CS?

My moms credit history is very good, can i take this point to ask for a second chance? if all this fails, what is the worst thing will happen to ?

Any card has TnG features embedded, with zero reload cost and automatically reload?

You are given the benefit of doubt, since the the CIMB Touch ‘n Go Visa was listed in the 1st page under "Tap and Go Cards - no signature required" and not "Touch n Go".

Celcom I m not sure.

For TM yes. Just DL the form, fill it and fax to TM.

mine RM38=> RM 36, RM2 off = 5 %

OCBC Titanium
MBB2 Amex
MBB2 Visa

Out of the above 3 cards, which is the best card to use to pay for my overseas hotel bill. One that will provide the most cashback or points. Don't care about the FX rate. I'll be paying on Friday.

Not accurate.. MBB2 Visa is only abt 0.5% equivalent

There is one issue about this. Telco congestion. Very often I encounter that SMS is delivered one hour late, sometimes half a day late. The last few times I request TAC from Maybank, it too 30 minutes to arrive and I need to re request another new one as the old one has expired.

did anyone own citibank credit card? the interest rate shall be 17.50% annual however for the past few month, i find that the finance charges is not tally to my unclear outstanding amount. seems like they impose 3% monthly. outstanding 500 unclear but finance charges is RM15. omg?

yameh, why other bank no like this de? my maybank never charge like that because i never settle full ma, like eg. outstanding 1522, i will only pay 1500, but the interest is like less than 50 cents.

is debit card included in CCRIS report or not ? or maybe it is in other BNM report ?