If only 2-mths O/S, after u partly settle / call the Bank, the Bank will unfreeze your Card - This is called a 'Soft Freeze. Your Card is still active but frozen.

But > 3-mths, and you have not contacted the Bank or settled (partly settled), its a 'Cancellation like when u lost your Card'. Even if u settle, you cannot use the Card. The Bank will have to issue you a New Card (for which you will be charged around RM50)

Call the Bank Bro, pay 10%, etc. You don't want to go into CCRIS for this issue

This post has been edited by cfa28: Sep 5 2013, 10:04 AM

Called bank , my account is still active and payment received .

i have a question.

between ocbc titanium cc 5% cash back and uob one cc 5% cash back on petrol.

which one is better ?

My vote goes to OCBC Titanium MasterCard. If you have lots of petrol transactions per month, consider HLB WISE Card (10% on Petrol category)

public bank cc?? why on the earth u apply that card? its quite useless

yeah go for ocbc much better

This post has been edited by DarReNz: Sep 6 2013, 02:50 PM

Hi,

Err.. Would like to ask few question.

1) I run a business, monthly income RM2,000-RM3,000. What kind of credit card should I take?

2) I want to buy a new DSLR using credit card. Is it possible to buy RM5,299 DSLR using the credit you mention on (1) ?

Thanks ya!

NO....
It Depends How Much Credit Limit In Your Credit Card Not What Type of Credit Card You Should Have...
Let's Said, the CL of your Credit Card is $5,000... You Definitely X Purchase the"Thing" with the Price Tag of $5,100 (Over Limit) with Your Card & the Transaction sure kena Tendang ...

This post has been edited by fly126: Sep 8 2013, 02:05 AM

Thanks for the answer.

What is the average CL that RM2000-RM3000 salary-man could get?

should be around 2x month salary

I found some merchant did not offer installment plan. Any bank credit card is allow owner to do the monthly installment for particular transaction without any interest charge?

It Depends on the Merchant & the Bank Current Promotion Event...

This post has been edited by fly126: Sep 9 2013, 04:19 PM

He can always bank in prior to the purchase.

CL: RM5000
Purchase: RM 5299

Bank in RM300 into your CC account prior your purchase.

For Cashback term,

1. Amex - 5% on weekend RM50 rebate max + 26495TP (Equivalent to RM106)

2. AEON Watami 3% RM150 max rebate per quater.

If the merchant no work with bank monthly installment. I know i can call bank to make the transaction in monthly payment. But i aware there is a interest charge. So i wonder any bank can do that (by request with credit card holder) and no additional interest charge.

Nope, I Afraid You Can Not Do So... Except You got Invited (Promo) by the Bank...

Anyway, U Need a CC for Easy Payment Plan You can Check On Citibank Card(s) with Flexible tenures available from 6 Up to 36 months:
i) Easy Pay 0% Installment Plan, http://www.citibank.com.my/english/existin...ode=MYCCLNCBEP-
ii) Flexi-Payment Plan, http://www.citibank.com.my/english/existin...ode=MYECMWAB6LM

This post has been edited by fly126: Sep 9 2013, 07:21 PM

Hi all, am jus wondering anybody has any ideas on d diff btw mbb's infinite & worldcard, as i c d req is similar but annual fee that i have to pay is diff for the 2.

Thank you.

totally different benefits.. you can compare in M2U

Between PayPal foreign currency fee compared with HSBC, which one is cheaper, i can't get the rates from PayPal.

Is there a new regulation from Bank Negara effective this month? It seems that 3 months is NOT good enough to apply for cc. Needs 6 months EPF statement and pay slips last 3 months. For Rm2k, only 2 credit cards and for Rm3k pay, you get 3 credit cards?

Told by SC SA at the MVM fair yesterday.

HSBC's.