When you go overseas, try prepare sufficient to use there. Only use the cash advance IF you really need it for super-emergency, e.g. lost all stuff, get robbed (except they don't rob your CC), hospital, etc.

If it is because you check-in to a much expensive hotel, or for shopping, or some small usage due to over-budget (e.g. spend too much on shopping already), then forget about it. The charges and interest % is way too high.

Anyway, the usage discretion is your own.

Yes, go read Gen-X blog on CC. Just follow some simple CC usage rules:
(1) pay FULL every month, before the due date.
(2) before swipe to buy stuff, you must already have the money in hand/account. Do not buy if salary not in yet.

Once you master those simple rules, then you can start learn on 0% installments and 0% BT.

The rest are basically subjective, like airport lounge, restaurant, etc. It depends if you'll utilise it frequently, e.g. for business travel.

Online should be tomorrow. Snail mail, wait postman deliver in 2-3 days.

I converted all the MR (200 MR = RM1 at that time) to settle CC statement, paid up the rest, and then canceled it already.

Just call Amex (not MBB) CS tel. Tell them "Please help me convert my MR to cash", which they will credit into your CC account to offset any balance of payment. This may take several days, so plan in advance, convert it, pay remaining balance yourself, then only cancel it.

Edit: This should be in Amex thread, cause it is MR, not TP.


This post has been edited by cute_boboi: Jun 15 2011, 10:07 AM

The first transaction is the failed one, right ?
Is it at the petrol pump ? When failed, is it shown "Transaction Rejected" or something similiar ?
If yes, then it won't show in M2u.

Yes, life in unfair. Same with my mobile being a postpaid for X years, we get nothing in return when we're paying fixed >RM100+ monthly. Whereas, those pre-paid use <RM100 monthly, always get promo/rebates/free stuff.

You need to goto CS counter, fill up form to ask them to de-link it Or you can try do it over tel to CS (unlikely)

I have a card which is cancelled ~2-3 yrs ago when the RM50 GST started, and it is still there as 0.00

Currently I just leave it as it is, and I have 3 cards that are cancelled already

That snail-mail promo thing with 3-stickers ? LOL I hate to open those stickers, cannot open with car/house keys or pens/rulers. So that one goes straight into my paper shredder

Most probably, below scenario will happen:
(1) 3 weeks/months passed.
(2) You start to post here about how slow/lembab MBB is
(3) We will advise you to call MBB CS to check status
(4) Standard reply:
(i) HQ did not receive your forms from branch. Please submit all over again
(ii) Processing pending your other docs / income statements

Previously MBB CC can be canceled over phone. These are the ones I'm still keeping after canceled:
- Flex
- Amex Gold Charge Card
- Amex Gold Credit Card

This year (2011), need to goto CS counter to cut or cut+pic+fax over to them in order to cancel:
- Petronas Visa

I did thought of that, but the cut-portion shadow will look quite obvious

No issues. After shop at Jusco supermarket, I always refuel before heading home.

Maybe someone will clear the 2.5k for him every month

MBB Treatfair : Baskin Robbin : 2 scoops Junior 2670 TP
If 200TP=RM1, that's RM13.35

BR selling at RM14

Save 5%

Depends on your shopping preference. For me, I have nothing to buy at Metrojaya, hence I've no plan to redeem it.

Mine for CIMB also drop 10k CL from the phone approved amount.

---

Added on July 19, 2011, 10:55 amThat is the reason you need to prepare your annual income tax submission.
Use it to prove your annual income, for their approval.

However, it is different story if you evade tax or under-declare too low



This post has been edited by cute_boboi: Jul 19 2011, 10:55 AM

Even if the CS at treatfairs tell you no need docs, but the processing department may require you to send/fax in later.
Each application is subjective.

Based on my experience, CC processing department does not have access into your savings/current/FD/etc. account, even within the same bank. Those working in CC department may confirm this. Perhaps higher senior managers may have access.

My history again: My salary is banked into HSBC for 1-2 years already, and my application for Gold CC is rejected 6-12 months later, HSBC send me pre-approved Gold CC , but I rejected it

Age is not a factor. There are some 22 years old earning millions and some >50 years old earning 3k/mth. Approvals are based on income and credit history.

No need print out. At treatfair, you can get the latest point printed out at the entrance (Hall entrance, not MV/Gardens entrance ).

At MBB treatfairs, there are some who can get approval and get the real CC within an hour. Same case like apply at 1U MBB CS Centre. I would say this is mainly the exception, rather than norm.

Majority of the people will most likely:
° get temp-approval, but with the temporary "paper" CC which has very limited temporary credit limit.
° did not get approval, have to wait couple of days/weeks, then processing department will request for more docs (depends)

For the earlier case (get real CC on the spot), most of these people already have good credit history, e.g. if I throw down a platinum or higher CC from non-MBB, plus able to verify my IC and me, what is the chances of me getting a CC immediately ? Compared to another who has nothing to throw down ?

As hye forummer says, this is MBB marketing strategy to sign-up more customers.

(1) Amex - Wrong thread. This is MBB-2 CC thread.

(2) Amex MR = no jusco voucher. Only MBB TP.