Argh i have underestimated the Credit Limit... +_+"

the cards Sub-ed by my dad, 2.5k limit, finished in less then 10 days, suffered a sad case scenario of no card to use for the past 20 days, and tomorrow is the statement date...

20 days, there goes my free cup of starbucks... should have get one myself Once i reached the minimal income requirements

lol late reply, but no

Yes, Someone will Clear for me once i "Handled" the $$ to them.

But in this case, i have no chance to clear it due to... >.<" haven't reach Statement date

Just verified with the CS.

Two Types of Supplementary

1. Joint Acc (my current one), means my C.C. Linked to Principal, despite it shows @ mb2u savings acc (got cards area), it's Limit and total Usage will be always the Principal (For the Limit) and and 0 for the usage. You will Never be able to pay through M2U using that account, must go to Cash Deposit, or write cheque into the C.C. But you can still see the total spendings.

Even if you Put 2k into the bank, it will still not clear out your Limit, and will only clear out ONCE statement dates +1 have reached, then you will again have 2.5k full limit again despite you have spend and if you haven't PAY a single cent on the last statement date.


2.Seperate acc, almost the same except you will see yr limit and spendings, and the total usage will be showed clearly. Good thing about this type is you will be able to clear out the balance and reuse the Credit Limit Despite it has not reached the statement date yet. BUT it will not Refresh your account nor Clear off yr Credit Limits automatically even thou you didn't pay a sen after statement date.

So... Either i shall consider using this card until End of the year. (Or be4 GST charges for the 2nd time), or just apply a new MBB2 once my salary reaches required level... I miss this black card ... hope that i could get till the limit to own that soon

That is for Principal.

Mine is Supplementary, so fall under 1st category... >.<

Hmm.. If recent Raise, can apply? don't have 3 months salary slip, but rise has been notified yesterday >.< Felt like applying in treats fair also

means be4 raise = below 2.5k, after raise = more then 2.5, that is over the limit set by mbb...

Hmm...

This post has been edited by boonykun: Jul 19 2011, 10:09 AM

i Highly Doubt so, last wed i just enjoyed 2 Cups of java chip Ice Blended.... >.< With the price of 1...

So i think it's just that shop that's bs-ing

If normal coffee + tea, they gonna get it hard

Addon:

I always just pump petrol only on weekends... Groceries wise, very hard, cos Saturday no Plastic Day, Sunday = sleepy day...

Pump petrol wise, yea... forced to, 4 cars * RM60 each = 240 *4 = RM960. Quite Considerable...

But mostly achievable is because of some IT purchases on weekends

This post has been edited by boonykun: Jul 23 2011, 02:49 PM

Just now i kena already @ IOI Mall Starbucks, want to buy a Fresh Tea + Expresso, but they say Coffee Products only... So ended up taking JavaChips Blended + expresso Triple Shot... and i wonder my Coffee problem friends would react to the java chip >.<

Just manage to "blow" the july limit by getting something from departmental store @ Jusco around RM700 + Some Groceries @ RM100++

leftover RM200 already achieved by pumping RM80 every saturday.

Now.. Next month will be Harder without Starbucks

Unforunately in the "Credit Card" Lists, you can only see that you can pay through your Maybank 2 Visa / Master instead of using Amex to pay

Gosh RM50 rebates, but another 1.7k debt to settle.. RAWR!

They traced by spending patterns and Location based tracking spending

Like example, i swiped 700++ @ Viewnet for the first time, got rejected and immidiate got call ask did i swipe that ammount or not.

as usual i swipe for only petrol and MAX also RM200 for TnG reloads, never once i swiped over RM500, and hence i got a call (bought 3*Wall Mounts for LCD for someone )

there's also once where i Pump Fuel to da max 4 times for the day to hit the 5% cashback on saturday (each time for all cars @ house, timestamps i think diff by 10-15 mins) and 4th time swipe got rejected, and again called me to ask did i swipe a total of 4 times for fuel, and i explained that i need to pump all cars, and got approved @ 2nd try.

Then there's also another case where i tried to swipe 3 different Fuel Pumps @ 3 Quite Far Location between Each other (Cyber Pump RM10 cos unclaimmable, Karak, pahang Pump RM40 for claims, and Sungai Buloh Pump RM30 cos come back from Karak car Dry again.) 3rd Swipe @ Sungai Buloh Got blocked, and same CS called..

hopefully this will clear the doubts why there's Chances of CS calls. they will First ask where are u, and what are you swiping, or they will just directly ask are you swiping this amount @ this merchant.

Just one question >.<

Due to the "Extreme" Usage of meh and my dad with MBB2Amex where always can hit more then 3k just for spending on weekends, i have decided to get one for myself, called service center to ask for card application and they have mentioned that the approval within 60 minutes is no longer valid.

It is only valid on Treats fair only previously...

Then how would it be? i wanna apply tomorrow leh...

Any person who can confirm on this case?

thanks.

This post has been edited by boonykun: Sep 17 2011, 02:26 AM