I have a question, if my credit limit is rm4000k, I have already used up to rm3600, will I still able to swipe for rm600?

Is there any charges and how will it affect my scores?

Yes ... not all bank allow this and yes ... there's that overlimit fee (varies from bank to bank) you need to worry about. Plus the amount overlimit must be paid in full, the 5% rules does not apply for the overlimit amount. If it is accidental then it is OK since most people don't keep track of the CL utilization, however the person who asked the question was aware of his current CL standing but (seems) wants to intentionally exceed his CL.

The T&C for most banks have changed since then. Last year SCB, immediately blocked my card the moment an overlimit occurs. Need to clear CL before card is unblocked by the bank which took a few days after payment is done.

btw, do u guys know which CC provides the best rebate for overseas/online transaction? thanks!

hey guys, I receive the Super Contest letter from EON Bank & Reader Digest, just want to check is that a scam or a real prize winning?

Bank Rakyat..but not GST-free but they pay GST for you

Agree with you in general. But not everyone is as smart as you.
I have stated that BT and Installment are traps by the banks to make more profits. They offer 0% "loans" but actually hoping one only pays 5% and therefore can charge 18% on the balance.  IF no 0% BT and Installment, no one gains or lose. Moreover, these plans are not a standard feature of cards, and if the banks are not making money out of it, why do they offer these promos. 
Anyway, benefits that comes with a card should be considered as privileges. For example, the higher ranked cards (Premier cards) have much more benefits than lower ranked cards (classic or gold). And since when the world is fair?
Policies have to change with time (for the better).   
Agree with you too. 

Actually this is what I wrote in my article titled Credit Card Minimum Income Raised to RM24K back in March.

BNM should have taken the following steps:

1) Annual Income Requirement RM24K is okay with me because we should not penalize those who are smart to use credit cards for their personal benefits.
2) For those earning less than RM60K, the Credit Limit should be capped at no more than 3 times monthly fixed salary combining all the credit limit from all issuers or equivalent to 3 times the amount declared in Income Tax Form divided by 12.
3) No cash withdrawal allowed with credit cards or maximum withdrawal of not more than a month's salary. This is the source of most people's debt.
4) Stop all Balance Transfer Promotions. Many people think this is "free" money and those who do not control their spending don't understand that eventually with time their debt will be accumulating as they continue to swipe with their credit card while still owing the banks in the Balance Transfer Plans. These people do not understand the word debt.
5) Increase the GST to RM100. Those who cannot afford it won't use credit cards but will get Debit Cards instead.
6) The banks are not allowed to increase a card holder credit limit if he/she has outstanding balance for 12 consecutive months.

However, with current household debt at 76% of GDP, this is very worrisome (what if you add government debt?) and BNM has announced measures to tackle this matter as reported in The Star today. Anyway, for those who can actually pay in full and need high CL, they get always can AMEX charged card where the CL (yes AMEX Charge Card also got CL) is based on spending pattern.

just wondering whether our card number is printed in the merchant receipt (not the cc slip)? because want to know whether it is safe if someone throw their receipt away. from my collection of receipt, no but not sure other merchant

not true. I've seen the merchant slip having the full number

1 more option you can do but it's not a good idea as well. Cash Advance from your credit card which having available credit limit and pay for the mininum payment. This is to avoid bad record... @@

There a thread on GST, go check it out. Anyway, no harm trying to request for it, you never know. But if you want to cancel the card, then the chances of them offering you something to offset the GST is there, but it will be back to square one next year. But if it is a HSBC card, no need to waste time.

To All: I got my new VI today that I have been wanting for a long time But, it does not have many benefits....

Click here to read my article at my blog.

And to those celebrating the Festival of Lights... Happy Deepavali.

wah, like that ah, suddenly comes a card that require RM50k spending to get AF waiver 

On October 1st i saw this promotion and head down to epicenter to purchase my MBA with mastercard. I called them when i saw that my card wasn't credited with the correct x6 points. They told me the points will be credited at the end of month. However, at the end of months i was credited with my installment bill but no points and called them up again and they told me the promotion stated that its only for AMEX? 

We went there with 3 people using Mastercard, all 3 of us saw the promotion was for Visa/Mastercard and i even called the helpdesk to confirm. After 1 month, the T&C suddenly change instead of 6x we get 1x points.

IS THIS A SCAM? D:

WHAT DO I DO? D:

Do you have the printout of the promotion?
If you have you can definitely go to tribunal or complain to them about that.

Else you would just need to push your luck by complaining that the helpdesk informed that you guys qualified and you're goign to create a big hoohah out of this by complaining to the relevant parties.

below is the pbb MU debit card?
i'm going to cancel my pbb MU credit card soon, maybe can switch to mbb eh

Congrats.... what's RM50 for the love of the best football team in the world, right ?

I applied for Standard Chartered Visa Gold ... but the rep said I can only submit 1 source of income. I'm working for a company and also doing my own business, registered with SSM and have Maybank corporate bank statements.

I asked him why can't I submit my work+business income, he said international banks only accept 1 source of income. Is this true?

The problem is if they only accept my work income, my pay will be below RM36,000. If they accept both then it will be higher than RM36,000. I'm worried it will cause problems for me if I were to apply more cards in the future

Thanks again Bro.
Much better now, I bet Citibank will come back here soon and advertise since now they have promo RM150 cash back for new applicants.
To All: I just published a short article on HSBC 10X Reward Points and OCBC Additional 2% Cash Back for Overseas Transactions.

The HSBC Promo only good for Fridays, Saturdays and Sundays and capped at RM3,300/card

OCBC promo applicable on all days but they only allocated RM8000 per week. Looks like those swiping on weekends won't be getting the 2% but still got chance to win the MacBook Air.

Click here to read my article on Overseas Promo.

Bank will do a credit assessment on you. Payment on time would not indicate actual ability for you to pay your debt.
Example
1. A person with a CL of RM100K and CL utilisation 80% pays in full and on time every month. (RM0 debt, have capability to pay RM80K per month)
2. A person with a CL of RM100K and CL utilisation 80% pays on time every month. (RM76K debt, only have capability to pay RM4K per month)
3. A person with a CL of RM3K and CL utilisation 80% pays in full and on time every month. (RM0 debt, have capability to pay RM3K per month)
4. A person with a CL of RM3K and CL utilisation 80% pays and on time every month. (RM2.28K debt, have capability to pay RM120 per month)

As per illustration above, payment on time is should never be the only criteria. Banks are very through in credit assessment.
Payment is on time is just one of the many evaluation criteria. You know your own debt levels and ability to pay on a monthly basis ... that's your answer.

Bankers have access to check how much payment made each month through Cardpac not through CCRIS. However, afaik, Cardpac is strictly for internal use.

How much you spend?

I have yet to get a single SMS from OCBC and  have pumped petrol several times and I have autodebit for my telco bills, astro and unifi.