depends on each card t&c.
usually card with sign-up promo (example cashback) cannpt* cancel for certain period (example 6 months).

besides, usually after a card had been approved, u'll be charged with gst and must pay for it.

edited: *cannot

This post has been edited by erry-: Oct 24 2011, 05:44 PM

since the seal not broken, and u can swipe, means all is ok.



go check ur recent/unbilled/history (depends on ur online banking) transaction.

see if got anything else than what u swipe. if got, call cs immediately.

any link to image hosted on real maybank2u website will be shown 'that fake site' image

no u cannot. but, what bank 'may' offer is given rm50 (or more) cashback or given points to redeem gst with t&c, example after u spend certain amount on certain period

yes SCB VI can

but annual fee rm800

yes. its only locked for online transaction, not offline.

i never care about my card number.

but just checked, my 9-12 for ambank is 0001, hsbc 0002, alliance 0008, and my da is 3000, but end with 44. haha

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Added on October 28, 2011, 1:12 ammbb (visa & mbk2 mc) - the num is mixed

This post has been edited by erry-: Oct 28 2011, 01:12 AM

u said basic.

the new BNM rules not looking for basic, but total amount before deduction.

so if it is at least rm2k/month, then yes can apply.

if not, then cannot. sorry

wait for 2 months salary slip with min rm2k/month

1. verify if the call is really from maybank. try google for the phone num.

if the num is not real maybank, ignore the issue.

if true, then, the culprit know ur num, expiry date and security code of ur amex card. this info can be gained even if u never make online transaction. so the culprit can make transaction via phone or online.

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Added on November 2, 2011, 2:28 pmmy own experience - long time ago (that time still not a cip card yet, just magnetic strip), the card had been cloned

This post has been edited by erry-: Nov 2 2011, 02:28 PM

yes. wait for ur statement, then pay full balance before or on due date, so there will no charge at all ~

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Added on November 5, 2011, 2:01 amexcept - gst and annual fee (if applicable) - once a year

This post has been edited by erry-: Nov 5 2011, 02:01 AM

for 1st year, usually got promo to waived gst and annual fee.

but if refer to their website, no info or promo regarding cashback anymore. probably ended 31/10.
go call and ask them la.
annual fee for std chart plat is rm250

pay when its appear on ur statement

yes u need to pay at least rm7k, or just pay full rm11k.

yes u are correct, u cannot use ur card anymore coz no more available credit limit (assume available limit will be rm24k, then swipe rm24k for installment).

but pls, dont just pay 5% min payment on next statement
not just the remaining 95% will be charged with interest, but remaining balance of the installment (example rm23,300) also will be charged with interest!

this is bcoz cimb wont take ur rm700 as for installment, but for the statement balance.
if ur bill is rm4700 (rm700 installment + rm4000 other spending), and u just pay rm900 (coz u assume rm700 + 5% from rm4000), cimb wont take the rm700 as the payment for the installment~

and yes, if u just pay rm1k, ur available credit limit is rm1k.

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Added on November 8, 2011, 2:56 pmrefer my replied before, or take this as example:

credit limit = rm5k
use easy payment = rm3k for 12 months (rm250/month)
available credit limit = rm2k

then,
u swipe for others = rm1k
available credit limit will be = rm1k only.

so come ur statement next month: rm1,250.
u pay full amount, ur credit limit will increase to rm2,250 (rm1k current available + rm1250 payment).

the point is = ur available credit limit is after minus the installment remaining balance and current swipe ~

This post has been edited by erry-: Nov 8 2011, 02:56 PM

its not fixed. ur cl will increase back with the amount paid.

1st month = 7600
2nd month = 7800 (7600 + 200)
3rd month = 8000 (7800 + 200)
4th month = 8200 (8000 + 200)

but do remember, the limit will decreased with other swipe.

if dont want to submit income proof, use card with 100k CL

if, the card is from cimb also, then yes

its ok

how to get? min income rm25k/month can get

or get free cl increasement by bank, first rm30k then rm60k then rm80k then rm100k
this, yes, need 3-5 years

VS or VI? VI need min income rm200k/year.

the chance to get VI with current limit of rm100k, i can say 80%

da plat visa already can get buy 1 free 1 movie, no need to upgrade to VS lah

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Added on November 8, 2011, 3:59 pmNO lah

u swipe rm24k, ur card will be declined ~

This post has been edited by erry-: Nov 8 2011, 03:59 PM

ok2. no idea.

better give 2 months payslip of rm16k/month. confirm can get VI

u just want VS right? VS need salary of rm8.4k/month only ~