Hmm...so i have more than 20 days free intrest period rite?

Yeah...I knew this already, but what I means when we apply Credit Card we submit the Salary slips & others Income Proof beside can we attached with Our Credit Report as Supporting Document to get Better Chance(Credit Card Approval by the Bank) ....???
(Friend of Mine who earn above 36,000 p.a, submit his Salary Doc. & Credit Report...& always successed on his Credit Card Application)

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Added on October 23, 2012, 10:38 amThanks...

This post has been edited by fly126: Oct 23 2012, 10:38 AM

Yes, according to your example. Be very careful on this because it is very easy to get careless and miss the due date for payments. General rule, whatever stated as due date balance, settle it.

So far I only enclosed my income docs (pay slip)

Lucky U...
Last time...they Need my 3 Months Bank Statements becoz' I'm Working at Sdn. Bhd Company Not MNC...

Yeah, nowadays banks may request for more. Usually I just submit my pay slips first and will only provide others upon request (if i really want the card)

What Brother b00n is trying to say, the banks will ignore the Credit Report and instead use their own records to validate the application.
You may submit whatever you want but it's the banks to decide what they will use to validate your income. (How sure are you or your friend + able to validate that the bank actually uses the submitted Credit Report or they will use their own Credit Report?) And they have procedures outlining this process - look at it this way ..

Probably your friend will get his card application approved with no problems. Only way to be sure ... ask him to cancel all his card and apply for 2 cards which he has no history and see what's the outcome.

For each application, all documents submission are the same except for the following difference ...
1. Submit Credit Report
2. Don't submit credit report.

If both scenario produces a successful card application then would you say that Credit Report theory would stand true ?
Might be a lot of (noob) guys/gals reading this, so I'd like to throw caution to this unproven claim. Unless this claim can be undoubtedly substantiated by irrefutable facts and evidence, please revert to the existing documentation requirements as outlined by each banks.

Fact :
1. Credit Report are never a mandatory requirements for credit card application.
2. Banks have their own Risk Assessment procedures and guidelines when evaluating a credit card applicant.

If customer's self submitted Credit Report are a requirement and a weightage to the evaluation, would they have made the requirement mandatory instead of leaving it to the efforts of the customers to submit it ? Up to our readers to decide what to believe and what is not.

This post has been edited by hye: Oct 23 2012, 11:54 PM

Thanks for Pointing out the Facts & True on Credit Card Application ...

This post has been edited by fly126: Oct 25 2012, 01:51 AM

Would like to ask how auto-billing works?

For example :

My Unifi bill date is 28th Sep, I paid using M2Amex through M2U on 29th Sep. However, my OCBC autobilling still go through on 23th Oct with the same amount.

Hence now my account is -147.XX. Does this means autobilling always charges the bill amount in regardless pay already or not?

And I thought I can utilize the autobill rebate and Amex 5x points & 5% weekend rebate.



Anyone got advice on how to maximize it? I dowan every month paying extra 1 month and in the end my outstanding amount is getting higher in negative

Guys, may I ask, can I cancel my credit card without personally going to a branch? What would be the "best practice" to go about this?

Thanks in advance.

Autobilling means you are allowing the merchant to charge you the moment they put up a claim/invoice/bills you and this is automatic irrespective whether you have paid separately or not + provided there is a positive amount that you owe to the merchant. The charging/claims will normally happen after the monthly billing cycle within the calendar month. Understanding this as well, (in your case) likely the autobil would not trigger next month provided the amount is negative after the new bill cycle occurs.

I don't understand as to why you paid your bills knowing the autobill has been signed up and you come here thinking you did not do anything which led you to this trouble. If you want to chase the rebate then simple - cancel your autobill and pay the bill yourself. Trying to save extra money (maximising the rebate) but end up paying so much and creating a lot of issues for yourself is not smart at all.

YES autobilling provides you with the convenience of not worrying forgetting to pay the bill. NO - this is not the mechanism to chase for a weekend rebate or any special credit card rebate which is date sensitive.

This post has been edited by hye: Oct 25 2012, 02:10 PM

As usual TM is very sloooooow in updating their system

How auto-billing (if subscribe from CC) works:
- telco backend system calculate your month-end bill.
- at another date, can be any date, CC (Bank) will request for latest bill amount from telco. Not just you only, can be total of 10k or 100k of people who opt to auto-pay.
- telco submit bulk data to CC
- CC charge based on the bill-amount printed, i.e. rm147 in your case.

How auto-billing (if subscribe direct from vendor/telco) works:
- telco backend system calculate your month-end bill.
- at any date after that, telco will submit the bill-amount to CC (Bank) to charge that amount. Also, again, not for you only, can be for 10k or 100k people who subscribe auto-pay through vendor.
- bank do back-end processing, and release amount to telco

In your case, as state by hye, either you cancel auto-pay and ensure you pay yourself every month on weekend.

Since you overpay -147, if next month your bill charges is 148, then your chargeable bill will be RM1.
Hence on Nov 23rd, CC will auto-deduct RM1 for the bill.

Depends on bank and their practises. You can cancel by calling up the CS. But before that, must settle all outstanding payment.
Also, remember to write down the details if the cancellation is done:
- CS name
- date & time of call
- etc.
Keep that paper safe for 3/5/7 years, just in case the bank says you never cancel your card before.

First thing first, I have no issue paying extra upfront. My telco maxis bill also paid up early upfront using the recent OCBC rebate.

I signed up the autobilling at TM directly

The reason I have signed up for autodebit : To have RM2 off from autobilling rebate
The reason I have paid up using Amex : For the additional 5x points, 5% is covered by OCBC as well

Call me kiasu or whatever, I was thinking to pay up using Amex before OCBC transaction go through so i maximise both the autobilling rebate and Amex 5x points.

Maxis is efficient in that sense, the autodebit only pays whatever remains (as long i pay upfront before autobilling kicks in). If there's none, then it would not pay. Unlike TM.

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Added on October 25, 2012, 3:36 pmWhat I always do:
1. Call up the CS say I want to cancel the card (they'll talk you through about keeping your card by giving some benefits etc)
2. Stand firm in cancel the card, CS will say ok.
3. Make sure to get the CS name
4. Fax/email them a copy of your cut CC (I normally didn't cut as I want to keep as remembrance, so i photostate the card and cut the paper instead)
5. Call and follow up to make sure it's cancelled.


This post has been edited by Devil4life: Oct 25 2012, 03:36 PM

normally i received sms from TM-Unifi to notify me the payment has been made from M2U or scb online after roughly 3-5 working days
hope that helps

there is a thread about ways to cancel, diff bank diff method. i think the thread is that oage 2 dy.

Can I apply CC from another bank by just proving to them I hv been using certain bank CC and would like to cancel the CC i am using now, without need to provide any EPF or income statement?

Not anymore.

Then can I sub visa and master cc to my family member even though I do not hv the cc from that particular bank? Also I don't plan to apply from that bank for myself, just want to apply and sub to my family member.

No you cant. You need a principal card to be able to get a supp card. What are your concerns, maybe we can give some suggestion.

My wifey wanted to switch cc because angry mbb doesn't want to waive annual fee cost saying swipe not enough on the master card. Visa is fine to get waive. mbb will get back to her in 5-7 days if they can waive her master cc. Been using mbb cc for more than 10 yrs.. Still treat us like that, so got fed up.

So now angry want to switch lo, but she just stop work to take care of kids..