Yes.

You were asked to pay before the next statement comes out, but it doesn't mean there is no late payment fee or interest. You did not pay before the due date, that is why you got hit by interest and penalty.

The bottom line is, always pay up before the due date stated on your credit card statement.

They reserve the rights to terminate your account anytime. Besides, the longer you delay the payment, the more interest you have to pay because interest is charged on a daily basis.

No. You will have to close one of your current credit card account from either bank before you can apply another credit card from another bank.

Go ahead

rjb123 just did it with Maybank. So you can try Maybank. I had a FD pledged credit card from HSBC too about 3-4 years ago but i'm not sure if they still do this now. OCBC used to do this but but someone reported here that OCBC doesn't do this anymore since the new cc rules came into effect.

Practically right away when it is approved by your credit card issuer bank.

Most likely you are considered high risk already, that is why your PL was not approved. Getting a credit card is not really hard, provided you are not over exposed.


The older you get, you'll realize that it is better not to mix your money with friends. It is totally fine to be big boss and buy them meals once in a while but when it comes to this kind of thing, it is better if you shoo him/her off by telling him/her to go to his/her own family for helps.

- 10k limit
- all credit limit almost all used up
- making only minimum payment every month

You should do yourself a favor and try to clear all your credit card outstanding asap. Perhaps you should be the one to try to borrow money from your parents or siblings and pay them back later. No need to help your friend anymore. You're in a big trouble yourself already.

It should be by 26/01, in other word, payment should be made latest on 26/01. However, there are a few things you need to take into account when making a payment, be it through the counter, online transfer from another bank, mail-in cheque, cheque bank-in through cheque deposit machine, through cash deposit machine and so on. It is advisable not to pay your bill too last minute.

Almost all the old regulars here have it


Last login was more than a month ago. Last time I talked to him was just before the New Year. Anyway, the weird thing is that one of his blogs is gone. Hope all is well

This post has been edited by MilesAndMore: Feb 8 2013, 01:00 AM

MBB VI is probably the only card that is worth using in overseas now.


Thanks for sharing. You didn't forget


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.


Same here bro!

Happy New Year everyone!!! 發發發啊!!!

Same to you

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.

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...

It happens, especially when you are having so much fun overseas. You loss track of time, well, you forget pretty much everything

Anyway, it shows that it pays to pay your credit card bill full and promptly every time. Else i don't think they will be so nice to waive off all the penalty charge and finance charges for you

By the way, now that you're back. It's time that you call your HLB RM to apply for the new Hong Leong Mach VISA 10% off three pre-selected categories bro

They do have an office in KL but no. You can't apply for a Chase credit card here.

I already know the existence of this card level (MasterCard World Elite) since 5 years ago JP Morgan, the private bank, not its retail mass banking arm Chase, has been issuing MasterCard World Elite for a few years already.

They will need the IBG to clear before they can update your credit limit. The fastest way is to deposit money directly into your credit card account, be it OTC or via your credit card issuer's CDM.

I suppose mobile banking means IBG done over the ATM ?


No changes to that and existing fee (if applicable) applies. Depending on your account type, some banks provide limited fee free withdrawal at all other banks' ATM every month. For instance, HSBC Premier Account and Citibank Citigold Account.

This post has been edited by MilesAndMore: Apr 9 2013, 12:04 PM

ATM too, is a form of mobile banking besides portable mobile devices, though in this fee revision it may not includes IBG done through ATM. And some ATM are definitely off-site

This post has been edited by MilesAndMore: Apr 11 2013, 12:57 PM