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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

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b00n
post Feb 9 2013, 06:06 PM

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QUOTE(Gen-X @ Feb 9 2013, 07:11 AM)
» Click to show Spoiler - click again to hide... «

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OT: I think you can write to google and ask them the reason for removing and asking them to restore it back.

Happy New Year!
HolyAngel927
post Feb 9 2013, 06:14 PM

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QUOTE(b00n @ Feb 9 2013, 07:03 PM)
If it stated EPP 0% then it is 0%. I.e. Rm100 pver 10 months will be Rm10 each month.

However that being said, pls visit reputable stores. Because some shops selling electronics or handphones usually like to hike up the price like you mentioned by few % because they do not want to absorb the merchant fees. Bear in mind they are not allowed to do that.
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ok ic.. thx for reply n clear up my enquries..

Just now call the maybank CS, the guys told me that the j form is not needed. but the at least 3 month payslip n 6 month bank saving statement is a must.. js a information for others who also wish to apply this card.
fly126
post Feb 9 2013, 11:08 PM

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Happy Chinese New Year, Gong Xi Fa Chai !
& Happy Holiday to ALL... tongue.gif
vincentxiang
post Feb 10 2013, 09:10 AM

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happy lunar new year. Go Xi Fa Chai└(^o^)┘

This post has been edited by vincentxiang: Feb 10 2013, 09:11 AM
hye
post Feb 10 2013, 03:48 PM

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Wishing all our celebrating faithful readers Happy Lunar New Year and Holidays ! (Where ever you are in the world!)

I'd like to extend my thanks to all your valuable contributions and support to this thread. Hope this forum will continue to contribute positively to all the folks out there. My warm greetings to my fellow mod MilesandMore and the senior contributors of this forum Gen-X, ronnie and everybody else whom I'm unable to name. (Sorry folks!)

May this year brings continued good luck and prosperity to you guys and girls. Do drive carefully during the festive seasons.

user posted image

This post has been edited by hye: Feb 10 2013, 03:56 PM
mysara
post Feb 10 2013, 05:50 PM

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Happy new year..wish me luck for my first cc application approval [*_^]

This post has been edited by mysara: Feb 10 2013, 05:50 PM
MilesAndMore
post Feb 10 2013, 09:03 PM

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QUOTE(Gen-X @ Feb 9 2013, 07:11 AM)
As for credit cards, for more than a month I have been using my Maybank Visa Infinite only since I am overseas.
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MBB VI is probably the only card that is worth using in overseas now.


QUOTE(Gen-X @ Feb 9 2013, 07:11 AM)
and Miles - here is Alliance Bank, Maybank, OCBC and UOB Privilege/Premier Banking Red Packets with my CNY greeting.

Once again Happy Chinese New Year and may you be blessed with abundant fortune, good health and endless happiness.
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Thanks for sharing. You didn't forget biggrin.gif


QUOTE(b00n @ Feb 9 2013, 06:03 PM)
If it stated EPP 0% then it is 0%. I.e. Rm100 pver 10 months will be Rm10 each month.

However that being said, pls visit reputable stores. Because some shops selling electronics or handphones usually like to hike up the price like you mentioned by few % because they do not want to absorb the merchant fees. Bear in mind they are not allowed to do that.
*
My cousin asked me to bring him SenQ to buy a Samsung Note II yesterday afternoon. They do take AMEX there. I was told that they offer 0% instalment in three different tenures; 6-month, 12-month or 24-month. However, if you choose the 12-month or 24-month instalment, there will be an admin fee of RM25 for 12-month and RM85 for 24-month.

Anyway, i paid at one go with my MBB2 AMEX and i just realized that it is over-limit by more than RM1,000 after i charged RM2,099 to the card yesterday. And i'm also kind of surprised that Maybank approved this transaction even though there was less than RM1,000 of credit limit left then. Last time this happened was more than over a year ago but my card was over-limit by only a few hundred Ringgit.


QUOTE(hye @ Feb 10 2013, 03:48 PM)
I'd like to extend my thanks to all your valuable contributions and support to this thread. Hope this forum will continue to contribute positively to all the folks out there. My warm greetings to my fellow mod MilesandMore
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Same here bro! biggrin.gif

Happy New Year everyone!!! 發發發啊!!! laugh.gif

cenkudu
post Feb 10 2013, 09:31 PM

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happy new year, miles...i just wondering is there any charge from bank if we go over limit? i remembered to read somewhere even they honour the charge, some bank might charge certain amount because of that
MilesAndMore
post Feb 10 2013, 11:24 PM

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QUOTE(cenkudu @ Feb 10 2013, 09:31 PM)
happy new year, miles...i just wondering is there any charge from bank if we go over limit? i remembered to read somewhere even they honour the charge, some bank might charge certain amount because of that
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Same to you biggrin.gif

Last time they didn't. So i hope there isn't any over-limit fee this time around too. Anyway, the transaction at SenQ yesterday has already been billed into my account (can see it in M2U). So far there is no over-limit fee charged.
simplesmile
post Feb 11 2013, 07:33 AM

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Gong Xi Fa Cai everybody. HUAT ah! rclxm9.gif
rathian_mhfu
post Feb 12 2013, 03:58 PM

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QUOTE(t3arsCulprit @ Feb 9 2013, 04:48 PM)
Minimum require 3 months payslip..  icon_rolleyes.gif
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CIMB requested me 6 months of bank account statement
MilesAndMore
post Feb 12 2013, 11:18 PM

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QUOTE(MilesAndMore @ Feb 10 2013, 09:03 PM)
My cousin asked me to bring him SenQ to buy a Samsung Note II yesterday afternoon. They do take AMEX there. I was told that they offer 0% instalment in three different tenures; 6-month, 12-month or 24-month. However, if you choose the 12-month or 24-month instalment, there will be an admin fee of RM25 for 12-month and RM85 for 24-month.

Anyway, i paid at one go with my MBB2 AMEX and i just realized that it is over-limit by more than RM1,000 after i charged RM2,099 to the card yesterday. And i'm also kind of surprised that Maybank approved this transaction even though there was less than RM1,000 of credit limit left then. Last time this happened was more than over a year ago but my card was over-limit by only a few hundred Ringgit.
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QUOTE(MilesAndMore @ Feb 10 2013, 11:24 PM)
Same to you  biggrin.gif

Last time they didn't. So i hope there isn't any over-limit fee this time around too. Anyway, the transaction at SenQ yesterday has already been billed into my account (can see it in M2U). So far there is no over-limit fee charged.
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I used my AMEX again yesterday and today a few times and surprisingly all transactions went through. Now i am more than RM2,000 over-limit... sweat.gif
johnnywzm
post Feb 14 2013, 04:57 PM

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Any product that allowed us to use 0% instalment? I only know laptop. Shed some lights please ..
fly126
post Feb 14 2013, 05:33 PM

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QUOTE(johnnywzm @ Feb 14 2013, 04:57 PM)
Any product that allowed us to use 0% instalment? I only know laptop. Shed some lights please ..
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Maybe Branded Designer's item.... (Handbag & Shoe), Smart Phone Gadget, Electrical Home Appliances or Furniture....
















mar90
post Feb 14 2013, 11:23 PM

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i have a question. let say credit limit is 5k only. can i charge 5k to it everyday by paying the amount the same day? or maybe can debit the card? how much can we debit the card?
fly126
post Feb 14 2013, 11:48 PM

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QUOTE(mar90 @ Feb 14 2013, 11:23 PM)
i have a question. let say credit limit is 5k only. can i charge 5k to it everyday by paying the amount the same day? or maybe can debit the card? how much can we debit the card?
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CAN... you can do it so with Debit Card, depend the Spending Limit that You set on the Debit Card (Usually 5k daily... & some Debit Card with 10k Spending Limit). Actually You can Set Any Spending Limit on Debit Card

This post has been edited by fly126: Feb 15 2013, 10:53 AM
mar90
post Feb 14 2013, 11:49 PM

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QUOTE(fly126 @ Feb 14 2013, 11:48 PM)
CAN... you can do it so with Debit Card, depend the Spending Limit that You set on the Debit Card (Usually 5 k per day... but some Debit Card with 10 k Spending Limit). Actually You Set Any Spending Limit on Debit Card
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if debit card sure no problem..but can this be done using credit card?since credit card can get points/rebates.. smile.gif
fly126
post Feb 15 2013, 12:09 AM

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QUOTE(mar90 @ Feb 14 2013, 11:49 PM)
if debit card sure no problem..but can this be done using credit card?since credit card can get points/rebates.. smile.gif
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Credit Card is No Problem You can Max up the CL of the card...but Yes some Bank have set cash back or Reward point limit on their Credit Card
Mostly them Around $5,000 from total Monthly Spending entitled to get Cash Back or Reward Point & there maybe No or Less Cash Rebate/Point be Rewarded >$5,000... blink.gif

This post has been edited by fly126: Feb 15 2013, 11:24 AM
fox_shinoda
post Feb 15 2013, 09:14 PM

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QUOTE(ronnie @ Feb 5 2013, 12:09 AM)
The charges will be known even to the Customer Service as of 31-Jan-2013... it's only know after 3-Feb-2013.
It's good to know Statement Date, Due Date to know when to avoid these charges.

Call the Maybankard CS to "waive" it, acknowledging the CS didn't do her job very well..... Known Fact: anyone who paid late would kena finance charges
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Maybank agreed to reversed the amount of Rm18.96, my card is now inactive and there are no more outstanding rclxm9.gif
simplesmile
post Feb 15 2013, 10:57 PM

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QUOTE(fly126 @ Feb 15 2013, 12:09 AM)
Credit Card is No Problem You can Max up the CL of the card...but Yes some Bank have set cash back or Reward point limit on their Credit Card
Mostly them Around $5,000 from total Monthly Spending entitled to get Cash Back or Reward Point & there maybe No or Less Cash Rebate/Point be Rewarded >$5,000... blink.gif
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Is this true?
Well, setting a ceiling on rebate is understandable. As most cards allow you to claim a max rebate of RM50 a month.
But setting a ceiling on reward points earned in a month? Is this true? Anybody experience this before? Which bank?
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