Thanks you very much.

wanna ask.. dis is my first time applying credit card.. how long the processing for credit card?? im applying for citibank & maybank.. if i apply today, when i will receive da credit card if my application got no prob?? thanks

For CIMB 7 working days

7 days until get da card?? but cimb card not so good la..

What I know is, citibank pyramid sunway having 1 hour card approval, u apply and you can get it within 2hours. I'm not sure 1st timer can get it within 2h or not.

If you want to apply for maybank, go to 1U maybank card center, can get in 1hour

This post has been edited by shiroikun: Jan 27 2012, 02:10 PM

Hi Guys,

Is it possible to pay TNB bills and other bills with Maybank credit card? if yes, how can I proceed? ...

Check out this if you want to use M2U:

http://www.maybank2u.com.my/mbb_info/m2u/p...cntKey=ACC06.07

This post has been edited by David83: Jan 27 2012, 07:05 PM

7 days is considered good already. A few years ago you need to wait around 2-3 weeks before you'll get your card.
If you want your credit card yesterday then apply for it 1 month before lah ... no need to come in here and be surprised just because you can't get your card any earlier.

And as a few members pointed, there's 1 hour application as well but if you are a first timer then see your luck.

When making hotel reservation through Agoda.com for example, will there be any foreign exchange fee and service charge?

You can choose the currency you want to pay with. So if you choose MYR, then no additional fees.

Great link Bro. However, don't really understand why some places (e.g. Celcom) it was ticked for Maybankard Credit Card but not for Other Banks Credit Card.

This post has been edited by Gen-X: Jan 29 2012, 08:59 PM

Not exactly accurate. MYR is charged at a higher rate than the actual exchange rate (ala Paypal). I have been trying to get them to charge at the local currency (leave the exchange rate to the banks) but the end result always ends up with them charging in MYR

This post has been edited by zenquix: Jan 29 2012, 09:11 PM

is above i.e. the currency fixed at MYR, applicable to Agoda.com itself (not thru MBB promo).

how many month u never make payment on your cc then the bank will cancel your cc?can we convert all our cc outstanding balance to a installment loan like pl?

This post has been edited by samsungXP: Jan 29 2012, 10:27 PM

bank will never cancel your cc unless you ask them to do so. If you still have not clear your outstanding amount, you cannot cancel your cc. Bank will never convert your amount to any installment plan, you never make any payment, your ic and your name will be blacklisted in CCRIS and the interest amount will keep increasing like a snowball

This post has been edited by gerrardling: Jan 29 2012, 11:00 PM

That is so true. I actually wrote to them to complain about this but they practically ignored me (was quoted in USD but i was charged in MYR and i wasn't given an option to choose to settle the payment in USD or MYR)

Meaning it is better to choose the local currency and let the bank to charge according to the actual visa/mc rate + service charge?

Since (I believe) your question may be behind a personal motive - do exactly as what you wrote. Don't pay your credit card and see for yourself whether the bank would want to cancel your cc or call you up to offer you a good installment loan program. And experience for yourself being blacklisted in CCRIS and just about all financial institution in Malaysia - no access to any loans / credit cards and even have problems opening a bank account.

Then come back here and tell us your story!

actually my frenz ask me about this question and i cant answer him.so see anyone can give a answer.

4 months and they will cancel your card officially.
However after 2 months, they will already block your card thus you can't use your card. Then once you pay down you can use again the card. But 4 months you don't pay, even after you pay; you will need to ask for reinstatement before you can use the card.

Conversion of card balance to term loan is up to the bank's discretion. They may or may not grant you. But why pay a term loan with fix interest rate when one can pay down the balance and save on interest since credit card interest is on reducing interest term.

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Added on January 30, 2012, 2:43 amCorrection on the term "blacklist" which is misused many times.
CCRIS will show one's payment conduct/behaviour. So for the banks, they may decide to approve or not to approve a loan based on the payment conducts. CCRIS do not "blacklist", it merely shows the credit worthiness of one person.


This post has been edited by b00n: Jan 30 2012, 02:43 AM

Just to share, I did cancel one of my MBB CC which still has installment plan going on.
The card is cancelled successfully. No more annual RM50 GST.
However, the CC account is still active and every month it is charge X amount and I need to finish clear the installment plan.