Thats not true, banks revenue normally from loans, investments. CC is just the supplement. 

I renewed my car insurance with Etiqa yesterday using MBB2 AMEX yesterday through phone. The agent requested for my 4-digit CID number to be given. Is this normal?

You should demand they change the voucher immediately (if you don't intend to use immediately)
I got a free gift when the CS staff chop the wrong date (7-day expiry instead of 1-year expiry)

I change Parkson voucher when about to use at the time of redemption...   

i live in a small town in soviet sarawak, so no big branch

this one has no private banking facility, 
on the contrary - it was the KL card centre who send the mail asking me for my FD

the manager advised me against the FD,

sibu.

the problem is i have a super clean credit history. which means *nada*

no history of loans... no records of repayments performance

so since CCRIS and CTOS don't have my profile, they want me to pledge a 15k FD for a 15k limit credit cards

seems to beat the purpose, doesn't it?

You can use J-card points to redeem the 1-year renewal... why need to pay RM12   

I think i just found a way to make some cash back from the card, and Maxis users.


Maxis M Money

Anyone heard before?
Its an electronic wallet (failed one actually) a joint project between Maxis and Maybank (and Old Town White Coffee), back 6 years ago.


Anyway back to it....
Looks like you can Cash-In (reload) using credit card (MBB 2 Kard) either via Maxis MASA, or e-Pay merchants..
And then you may use the credit to either pay for Maxis/Hotlink bill or option to Cash-Out at Maxis MASA Centre..

Lets count the costs..
Cash-In via e-Pay = 0.5% fee of Cash-In amount or Min RM.050 for each transaction
Cash-Out directly to Bank Account = RM0.15/transaction

So with weekend 5% cash back + 5x TP earning - RM0.50 (for RM100) = earning cash back roughly RM7.

Can also opt to Cash-Out at Maxis MASA, not sure got charges or not..

Techically, as requirements from BNM all credit cards issued will be charged RM50 GST.
And its the same with Maybank 2 Kard. Just that Maybank is offering auto/free waive for Amex (or either one) of the card.
If u check ur statement u will see both cards actually charged RM50 but one of them will automatically credited.

And yes canot cancel either 1 must have both, that is the condition for the RM50 GST thingy.
Harvey Norman selling iphong meh?