Which card did you apply ?

OK.. Mine also hasn't posted yet.

Put other cards aside until finish spend with Ambank supp, especially petrol.

18.6% cash back is far higher than those 5% petrol cash back, worth to take advantages.

I don't have so many people to sign up for.
Will try to ask my other family members, let them use as well.

I apply platinum mastercard..
I got public VS without any question being asked...probably is because recently i did too much BT?

BT contributes to your total credit outstanding which could be one of the reasons why it requires longer time to evaluate and assess your case.

That said, since you can qualify for PBB VS, why didn't you try AmBank WMC instead? Its benefits are much better than Plat.

This post has been edited by fruitie: Aug 19 2015, 01:13 AM

leng lui fruitie, may i know which card has the best benefit? (my spending mostly on grocery, utility)

thanks!

Honestly speaking, none of the AmBank cards actually fulfill your spending pattern.
Both WMC and Plat are for overseas usage mostly.

The reason why we applied is because of the new application cash back and its groceries+dining cash back that is ending on 14th Sept. These two programs are on first come first serve.

Another reason for me is due to its PPL, as it allows some overseas PPLs which I frequent as well.

if like that then i just go for true card with 3% online transaction.
thanks

U means MAYBANK Visa signature and Mayabnk Amex? AEON using MAYBANK POS terminal and they practised to perform settlement daily.

Since you said they perform settlement daily... Ambank swipe has the slowest posting, so it's Ambank's delay tactic. It has nothing to do with the EDC merchant bank, right ?
Swipe @ AEON Supermarket took 3 days to be posted.

This post has been edited by ronnie: Aug 19 2015, 11:01 AM

That said, CIMB CR and UOB VOX is a better option compared to True.

For those with Supplementary Card with AMbank, payment to Principal card account WILL NOT AUTO-APPORTION to the Supplementary Card account.

You need to make separate payments :-)

I have been paying directly to my supplementary account, save all the trouble.

If u use the maybank credit card and the pos terminal is from maybank. The posting will be faster compare to other credit card.
Also, if merchant perform settlement daily , it will make the posting faster. It can be as fast as 1 day which is same day for posting date and transaction date.

Swiped my card on last Saturday - 15.08.15 in Tesco until today is not posted yet.

Swiped my supplementary card on Monday, also not posted yet...

Sigh.

How to maximize the cashback?



Cashback Promotions
Principal + Supp : Spend Rm1600, get RM650
Dining + Groceries : Spend RM500 get Rm150 (principal & supp each)
Supp cashback : Spend RM688 get RM128

Principal
Spend RM912 (RM1600-RM688) including dining + groceries, get (RM650 & RM150)

Supp
Spend RM688 including dining + groceries get RM150 & RM128

Is this correct?

Yeah, looks OK. The dining+groceries will finish on 14.09, so if you haven't applied your card. Gotta be quick.

my cc rejected..aish already rejected by cimb and ambank...

I supposed you shall stop applying from any bank now.
Give a try again in 6 months time, else you will trigger all the banks for your rejection.