hi..got a question.

My Amex is charged with Rm50 Service Tax but got credited automatically in the same day.

However my MasterCard got charged with RM50 Service Tax as well but not paid automatically in the system.

Can anyone explain what is this? I thought Maybank2 cards are have life time waived fees?

Sorry I am a newly credit card holder.

hi..got a question.

My Amex is charged with Rm50 Service Tax but got credited automatically in the same day.

However my MasterCard got charged with RM50 Service Tax as well but not paid automatically in the system.

Can anyone explain what is this? I thought Maybank2 cards are have life time waived fees?

Sorry I am a newly credit card holder.

strange, been using my card for a month plus but no GST yet xD... I love this card.. so fast collected 10k points lol

2) Come back to Malaysia, was travelling to Langkawi. My card reach credit limit. Spent 2 days calling up requesting for temporary credit extension when it could have been granted in 10 minutes. Somemore I had flawless payment record.
3) Request for my cards to be upgraded to Platinum in consideration of my heavy usage & good track records. After 2 weeks, get a stupid reply asking me to re-apply for Platinum cards with no guarantee of being granted.

wow more than 10k/month? why didn't u apply for the platinum straight away? 

Sounds like a classic case of DYKWIA

1) There are systems issues before, I have been a victim as well. But do you realise that
    a) MY cards are considered high risk for fraud
    b) Maybank does not control the credit card terminals in Hong Kong

FYI to even purchase HK MRT cards online, a Malaysian card holder needs to contact MRT, who would then talk to their payment solution provider to enable a short period for a Malaysian card to be used. Yes by default, Malaysian cards are blocked.
Whether your case is due to an issue with the credit card payment provider remains unseen although on hind sight Maybank may have done better to better engage with their HK counterparts.

- I'm using credit cards from 3 different banks. (Maybank, AmBank & Hong Leong / EON). Only Maybank is having this issue. What's the use of pre-informing them of overseas trips if they cannot ensure the CC holder can use the card or advise the CC holder that there might be limitations in certain countries. Not asking them to bend over backwards to do things they're not supposed to, but at least keep us, as the customer informed.

2) Temporary credit limit increase is usually a 2 working day SLA. give or take. This is due to an approval process that the front end CS cannot do. The fastest credit limit increase I believe is an emergency credit limit increase that the current shift supervisor can do (abt 30 mins to an hour) but the quantum is very limited.

- Both AmBank and Hong Leong can grant temporary credit limits within 30 minutes, regardless of time of day / public holiday, etc. But when you talk to a Maybank staff, even in a polite & friendly manner, they keep on repeating their SOP / procedures like a robot.

3) One should not feel entitled to something they do not qualify for (I am assuming your salary does not qualify for a plat card or this would not be an issue in the first place) just due to past spending patterns. I expect your request was considered and a decision made (although not to your liking). A 6-month banking relationship is very very short. And more often than not they do not review a card (credit limit or otherwise) within the first 6 months. Try again when the card hits a year old.

- I requested for an upgrade because my other two CC providers upgraded my cards to Platinum with no questions asked. I just got my new cards through registered mail without me even requesting it. One card is 4 years usage, and another just shy of 6 months. As I still preferred using Maybank, I sent an email request with a lot of supporting documents, including an updated salary slip (which is just shy of RM60k) + scanned letters from other two CC providers that they upgraded me to Platinum, and end of they day I still get a rejection notice, with no explaination whatsoever.

4) On a weekend especially a peak shopping period as such, it is expected CDMs may be out of service because it is too full. While I have my problems with the CDM machine in the past (money taken and retained with no credit to my account.. .TWICE!), it is unrealistic to expect the call centre to be able to do anything about it other than raise a report. CDMs are controlled by the backend office, and the CS cannot even pull up any info on these. They don't know who is the collection agent, when is it collected, whether it is full or not etc.... They just don't have access to this. There are a lot of Maybanks, some opening on weekends. I honestly believe your time and energy would have  better spent traveling there then hang around and complaining and playing the DYKWIA game.

CS are human beings too, and don't expect them to perform miracles outside their circle of influence at your beck and call. Treat them with respect and in a friendly manner, and they may go the extra mile (more positive notes to the backend processing, highlighting your name to some higher up for selective promotions etc.)

- I understand that CS are human beings too, but when a customer calls up to advise them of a concern / issue, at least they need to answer with the correct information instead of telling open lies and beating around the bush. Banks are very quick to charge us service fees & deduct monies from our accounts, but when we expect good service levels, they don't even make the effort to do so?

Non "supporting" paperwork haha

Lesson for any Cash-Deposit-Machines (or ATM/Cheque Deposit machine also):

(1) Try to deposit your Cash/Cheque or withdraw from ATM as early as possible in following order:
- Friday evening/night
- Sat morning
- Sat evening/night
- Sun morning
- Sun night (worst)

Why ? Deposit machines can be full as most likely no one will collect from it over weekend and public holidays.
Then it overflows out / out-of-service.
I have seen the security guard (not security who transport), no choice, use a pen/ruler to dig out a cheque stuck in the top part/entrance of the machine. Imagine if it is cash.
BTW, this is Stanchart, not MBB.

Also, I've seen those security transport, open the bottom part of CashDM, there are cash money overflows out from the internal metal box. Since everyone is looking at them and got CCTV, they just grasp the bunch of money and stuff it into the green canvas bag.
This is MBB.

- Since banks these days are pushing us to use self-service machines more and more instead of dealing with humans, as it should be more efficient and time saving, plus we can do it at our own time and convenience, they need to ensure they put measures in place so that we can do our transactions smoothly during weekends as well. Not everyone is free to do banking transactions on a weekend and during office hours.

(2) ATM runs out of cash - I've run through 3 locations to withdraw some cash over weekend. Therefore, always keep some spares in advance over long weekends/holidays.

- I do this as well, and I don't complain about ATM(s) running out of money during weekends / public holidays / payday, etc.

(3) About the security guard taking out, I've encounter various times. If you come first, normally they let you finish your transactions. If you come later than them, then it depends on your luck and their mood (as usual, this is Malaysia, everything can negotiate):
(i) I've talked nicely to them before, "Bang, boleh tolong, saya satu cheque sahaja", most of the time, they let me pass first. Of course, you don't go with a bundle of cheques 
(ii) Since they are there first, they have to finish their jobs also. You are not the only one who is important + urgent. Hence, no choice, I've waited 20min for them to settle the change-of-box several times also. Just queue 1-2 metre away, and other ppl will start queue behind you.

- I didn't mind waiting, but at least don't be rude, and give me a timeframe to wait so that I can go to nearby shops to minum teh. Why need to answer me so rudely when I asked how long will it take?

(4) Rudeness
(i) The security collection are all outsourced. Shoot MBB also no use, as is their contractors only.
(ii) CS - record down the exact date & time, and with name if possible. Provide your contacts and MBB will get back to you.
It is mostly true that weekends/holidays, most tele-managers won't be around. Only skeleton crews only.

(5) Overseas pre-inform. So far I have no issue with it.
- Pre inform also got problem mah... That's why complain so it doesn't happen in the future.

(6) Over limit. MBB is very strict. Even to extend <RM500 on my 5-digit CL, cannot instant. Even after 2 hours urgent-review, also kena reject    No matter I'm local/overseas. So I make sure my CL is always more than enough with spare CC standby.
Citibank can get temp increase very easy though.
- Other banks are more humanized in this service, they look at your situation and also at your credit records / payments. If I hutang banyak to Maybank, and not paying my debts, you want to reject, fine with me. Why need to be so robotic?

(7) Upgrade to Plat - nowadays strict already. Unlike last time 1-2 years ago, I can apply my MBB-2-plat by just a tel call (refer earlier version threads) shared by a forumer here (sorry, forgot who, but I think is one of those seniors here).

(8) Payments - why not use cheque ? How about MBB 2u online ? You don't need to waste petrol, time, double park / summons, etc.
- I use online accounts 90% of the time. However, sometimes, you just have to do walk-in transactions because someone else pays you by cash and you have to deposit it.

(9) Cash Deposit machine - Please prepare at least extra notes, since the chances of notes reject is quite high. Even if I just withdraw the $ from another ATM nearby. I've seen people keep press "Add More Cash?" to keep trying the sames notes for 3-5x times. Imagine the queue behind 
- Luckily I had extra notes, but not everyone is going to do this.

(10) MBB Humans - It is quite well known MBB CS are a big pain in the ... err... buns. I try not to deal with them, and find the best way I can utilise MBB services, since they have the largest ATM coverage (and branch for deposits) and online banking is quite extensive.
- I'd rather call them MBB robots, which is why I'm venting my frustrations. MBB should improve their services and provide better services as compared with other banks.

I only Cash/Cheque deposit during non peak, e.g. don't do it at month-end or early month.
Then I use MBB 2u online for payment/transfer.

My recent (last week) pain with MBB CS ? KL Main (Menara Maybank KL), normal banking (I'm not rich enough for priority). Request re-activate dormant a/c. The reception finger me to counter 30/31. Then kena finger back to reception get queue number to goto normal banking to reactivate it. After re-activate, kena finger back to counter 30/31.    But at least, in the end, I get all sorted out. Will try not to forget use this account to become dormat.

Ok, OT very long. Stop here.

good , same to me , less paper ...protection.
my overall spending if charge/cc and other bank all adds up, somewhere around 40k amonth.
i use mbb less than 1 year . from amex gold to amex plat cc , i spend excedd limit few time , i request got rejected .
i screw them like more than 3 time amonth , till i get my 1 year card old ..
as i request , they give extra 5k..but somehow everymonth to now , i still request my temp credit limit ,extra 5k.
since im a good pay master. how much mbb give me on CL . i spend it full .

i just tell them i want my money in 2 hours , check my record , get your management to approve my CL .
same for just now , i call them in the morning 11am , 1pm as they promised , they will call me back
happily they upgrade my temp in 2 hours time only. i got another extra 5000 to swpe with tenaga nasional.

i've told them i do not need to ask you to give me a CL if they able to swipe my AMEX charge on the spot .
so please do the job and give me a reply in 2 hours .
aswell as i still prefer to use the 1800 88 9559 , amex call service . more than 1800 88 1801 .. mbb call service
as im hold a amex plat cc a year more, i use them to help me increase my urgent CL , Emergency CL , and others .

sometime even use your charge power .
is true , for bank 35k in 6month consider peanuts , but ..i believe. 35k being used and paid . is the best.
because alot of user have only 3000CL and use without pay . why is maybank still issue card to the small peanuts user ?
they need diversify their risk to high commitment and low commitment.
if u ask me ..i have swiped nearly 6 month with all my card up to 200-250k.
im running my home business .

Does anyone know which Maxis centre can pay bill using AMEX?

Please check this thread : Places to use AMEX

Does anyone know which Maxis centre can pay bill using AMEX on weekends?