if ccris show 1111... apply for cc still can get approved?

, don't thk so

but i apply pl can approved.suppose cc more easiest than pl to approved rite

well, what amount of pl are u talking about?
if low amount and you have existing relations with that bank, why not

if cc from other banks especially which you don't have any accounts, who want to take the risk

Excuse me ... you are in credit card thread and not in personal loan thread.

chances are very slim, because even my ccris all show 0000 in the whole record, some bank still reject my application.

what is the meaning of 0000 and 1111?

0 means ontime payment
1 means late payment

only for 10000 redemption? after that no more already?

[quote=hye,Oct 10 2011, 06:45 PM]Excuse me ... you are in credit card thread and not in personal loan thread.
now i asking bout cc

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Added on October 11, 2011, 1:03 am[quote=alexwsk,Oct 10 2011, 05:08 PM]
well, what amount of pl are u talking about?
if low amount and you have existing relations with that bank, why not

if cc from other banks especially which you don't have any accounts, who want to take the risk

[/quote]
well,wat i trying to say is if the bank can approved my pl why they reject my cc application.i dun think the cc limit will higher from the amount of my pl.i apply with the same bank and i dun have any acc with them.

This post has been edited by nokiaXP: Oct 11 2011, 01:03 AM

nokiaXP, I a bit confused, you apply for personal loan but same time you posted at Finance Section you got RM5K which you don't know what to invest in. You did not mention which bank reject your cc application and which bank approved your pl, I want to know so that I make sure I don't buy that bank shares

To all, I just published my latest article on Maybank CC Promotion. nothing much except for 0% BT and 6% discount with agoda. Click here to read the article.

This post has been edited by Gen-X: Oct 11 2011, 09:25 AM

Bro Gen-X, perhaps you would like to mention in your blog that for Maybank 0% BT, it is recommended that our readers explore more about Maybank's BT system. Great you have the link to Maybank's BT blog but as usual, our readers will skip all this and just take what is obvious to them and not the fine print.

In summary,
1. Divide the BT amount into 12 months and this shall be your installment every month.
2. The installment amount would be injected into your credit card account every month over the next 12 month.
3. Thus technically the amount to pay every month is Outstanding + BT installment
4. One need to be careful to pay in full the BT installment every month or will incur interest the moment this requirement is not met.
Note : Little is known about Maybank payment hierarchy policy thus one may incur a lot of interest.

This post has been edited by hye: Oct 11 2011, 10:07 AM

4. Better BT to mastercard or visa card to avoid any interest charged on customer with a condition customer dont use the card for 12 months

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Added on October 11, 2011, 10:12 amAbout ezycash, only one time up front interest will be charged which is 3.88% for 6 months (7.76% p.a and it is lower than personal loan)
click here for the t&c
http://www.maybank2u.com.my/WebBank/TnCEzyCash_150411.pdf

This post has been edited by gerrardling: Oct 11 2011, 10:17 AM

updated the article with both your above comments

hye: You are absolutely right bro, especially on the part readers skipping the most important part i.e. reading the terms and conditions. I will just cut your above mentioned items and paste it at my blog, hope you don't mind.

gerrardling: thank you Sir for showing me the T&C link. It is just odd that Maybank states Cash Advance Fee instead of Admin Fee. Bro, the 7.76% is the effective interest rate?

To all: I added a new page to my blog called Fixed Deposit too, makes it easier for those who wants to optimize earning pocket money combining with 0% BT and 0% installment plan. Click here to my FIXED DEPOSIT page and bookmark it

This post has been edited by Gen-X: Oct 11 2011, 10:47 AM

Effective this month, all banks in Malaysia have standardised on the same credit card payment hierarchy of which repayments will be allocated towards items which attract the highest to lowest interest charges. Someone had posted a news article about this some time back but I can't find it. Checking BNM and ABM's site did not yield anything but some banks have already updated their site regarding this.

I am really getting pissed of with MBB CS. I am running in and out of MBB brunch more than 10 times for the past 2 month since the first day I got my maybankard 2. The CS lack of information/training, ATM machine problems, internet banking problems. until today, I am still unable to register a payee to pay up my bills through maybank2u although I've physically drop by the MBB brunch to fill up the form,get my mobile registered and activated the TAC.

does anyone know what is the exact procedure to get me to solve the TAC problems?

This post has been edited by virgoguy: Oct 12 2011, 12:31 AM

let say my cc outstanding is rm5k.so the next month bill coming the interest will be rm75 = 1.5%?

do u have any saving account or current account with MBB ?

What is the error when you try to register a payee?

anyway I manage to get the problem solved. I've been told by the CS that it could be some system technical issue