may i ask on full settlement of credit cards? is there applicable for any rebate or discount? would like to settle n close via chq y other chq from house refinancing loan..

appreciate very much all replies.. tq

No and likely the answer will be the same across all banks. You have used your credit card to buy RM10k (for example) worth of stuff and you want the bank to give you a discount ? It is a rather outrageous request and likely no banks will entertain you.

You may try but be prepared for a long process and it might not be successful at the end of the day.
The T&C of your card usage clear says that you are viable for all (valid) transactions and charges associated with it. You may check it out if you have doubts.

This post has been edited by hye: Nov 20 2012, 11:02 PM

implemented already this BNM guidelines?

Yes.

Am using maybankard Amx but no sms whatsoever..

Please head over to the Maybankard 2 thread for details how to activate ALL transactions to receive SMS

As far as i know, not all banks implement this service. For Ambank, they don't sms to cardholders as i already called them to confirm.

This post has been edited by rickkywong: Nov 21 2012, 12:16 PM

quite surprisingly, credit card application was rejected by HSBC but hire purchase loan was approved in a day by PB for a 11 year old car...the person was previously blacklisted and just cleared all debts this april/may....any reasons?

Just to ask, do we need to call and inform the bank if we wanna use our cc overseas? Is it necessary?

Not necessary but HIGHLY recommended.

If i terminate a card, how long do I need to wait before i re-apply? TQ

Depend on banks, usually is 6 months...

My swipe at Shell Sunway Pyramid roadshow was not entitled to any TreatsPoints (not even 1x TP) with my Maybank Petronas Visa

• Every RM1 spend for other purchases will earn 5x TreatsPoints EVERYDAY
Note: Other purchases NOT applicable for spending at other Petrol stations

Should have used my UOB One Card / OCBC Titanium as I wasn't sure if the MCC is under Petrol or not...



This post has been edited by ronnie: Nov 27 2012, 01:58 PM

This is already implemented. For Hong Leong Bank as far as I know it

deleted. Found my answer

This post has been edited by The Analyst: Nov 27 2012, 07:05 PM

As far as I know, Maybankard 2 for those non-online/retail transaction you have to call the CS request for it

Normally rm3500 basic can get how much credit limit?

normally it's around 7-10k depends on which bank

ok....tq....just wonder why my friend rm6000 monthly income and got rm36k credit limit...@@

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Added on November 28, 2012, 9:26 amand normally rm3500 can get how many credit cards?

This post has been edited by veejin: Nov 28 2012, 09:26 AM

You want such high credit limit for what? Still need to pay back in a month, and if you got the money you can overpay first so that effective credit limit higher anyway.