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

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fly126
post Dec 3 2012, 11:25 AM

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QUOTE(patdidi @ Dec 3 2012, 10:44 AM)
I'm applying for citibank card via email, is it safe to submit all document via email, (payslip, application form, etc). I'm afraid they will abuse it(eg; applying with loan sharks). I have no choice since citibank don't have branch in Sabah.
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Call Citibank to check up Your Application Status.... Maybe few Days later, Your App Status should be know by Next Week blink.gif
Should you have any enquiries/feedback, you may contact us at:

03-2383 0000 (KL)
04-296 0000 (Penang)
07-268 0000 (JB)
09-509 0000 (Kuantan)
06-852 0000 (Melaka)
1800-82-1010 (Sabah & Sarawak)

Btw, When U Submit Your App...???
fly126
post Dec 3 2012, 03:37 PM

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QUOTE(ee7han @ Dec 3 2012, 02:58 PM)
dear all,

i'm in need of the advice of the pros here..

my fiancee is going to japan for 1 month, but she does not have a CC,
can i let her use mine instead? (my card has not been signed at the back)

Planning to let her use my Maybank AMEX, is it widely usable in Kansai, Osaka also?

Rgds
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It's Risky not a Wise move...to let Your Fiancee Use Your Card at Japan Nanti Get Trouble kena tangkap by Police at there sad.gif
Better U Give (apply) a Supp. card for her before she left to Japan....blink.gif

This post has been edited by fly126: Dec 3 2012, 04:19 PM
fly126
post Dec 3 2012, 03:49 PM

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QUOTE(Human Nature @ Dec 3 2012, 03:42 PM)
Also, sign at the back of your card. That is the first thing that you need to do upon receiving it  doh.gif
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+1 thumbup.gif
fly126
post Dec 10 2012, 01:53 AM

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QUOTE(solsekuin44 @ Dec 10 2012, 12:16 AM)
I just received my card, applied last 2 weeks. But I was thinking, is it still beneficial to have SC card? If I want to send back the card and cancel it, any fees to pay?

What is the procedure?
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You Still need to pay$50 GST of the Card becoz already Issued to You... rolleyes.gif
Call Customer Service no. at back of Card. to Cancel...(but prefer U keep the card maybe another 6 months)

But, I can tell now, I been trying to cancel my card 3 times already around this Year, they x let me cancel it sweat.gif
Keep on (call back) asking me to retain the card & Waive off AF & Offset GST for me....blink.gif

This post has been edited by fly126: Dec 10 2012, 01:57 AM
fly126
post Dec 11 2012, 04:06 PM

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QUOTE(sj0217 @ Dec 11 2012, 03:46 PM)
Hi all,

May I ask would the credit limit be increase if I request and submit the latest offer letter ?? (an offer letter just issued by company)  or need to wait until 3 months paylsip ??
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The Offer letter together with Your latest 3 months Salary Slips then...more Secure & Guarantee No need Rush to request Increased CL .... sweat.gif
Maybe the bank will sent you credit card CL Offer Letter to Increase Your Credit Limit of your card after 2nd Annual... blink.gif

This post has been edited by fly126: Dec 11 2012, 07:26 PM
fly126
post Dec 11 2012, 04:38 PM

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QUOTE(sj0217 @ Dec 11 2012, 04:19 PM)
haha, no rush la, just seek advice on this matter, so will apply with 3 months payslip la...

How about apply cc? together with 3 months payslip as well?? normally wont success if only offer letter? but this is increament letter oh
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Yes, usually they need your latest 3 months salary Slips for app. CC if can together with 3 months Bank Statements better... smile.gif
But, if U Working in MNC or as Government Servant they just need latest 1 months Income Proof ... brows.gif

Added on December 11, 2012, 4:41 pm
QUOTE(Titan_Gunners @ Dec 11 2012, 04:32 PM)
When i applied my first cc, they want me to provide 3 months payslip and need to work at same company for at least 6 months.
If you are fresh graduate, the chances will be slim if you just start work for 3 months only.
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Agreed thumbup.gif

This post has been edited by fly126: Dec 11 2012, 07:28 PM
fly126
post Dec 17 2012, 04:17 PM

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QUOTE(shauyan @ Dec 17 2012, 02:30 PM)
I applied RHB mastercard platinum and platinum card. He told me i can get RM50 waiver after swipe for 3 times in 2 months.  Is it true because i cant get any info from website. Can i terminate the card within a month? or if i dont activate it will i still charged RM50?
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Yes, you need to pay the $50 GST of the Card (if Approve) because it's already been Issued to You... nod.gif
If Not U maybe Blacklisted by bank for Not Paying GST... sweat.gif
fly126
post Dec 31 2012, 01:37 PM

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Happy New Year to All biggrin.gif
See U... laugh.gif
fly126
post Jan 1 2013, 02:25 AM

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QUOTE(Gen-X @ Jan 1 2013, 01:18 AM)
HAPPY NEW YEAR 2013!!!

May the banks in 2013 launch new credit cards that give us unlimited 8% cash back for any amount applicable to all types of transaction every single day biggrin.gif

And I am pleased to present to you my first article for 2013 titled My Bragging Rights and My Credit Cards 2013.
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I have Read Your 1st 2013 Article,
Good for You as Life go on... laugh.gif

Happy NEW Year to You, Gen-X wink.gif
fly126
post Jan 13 2013, 10:49 PM

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QUOTE(mar90 @ Jan 13 2013, 09:28 PM)
please teach me how to pump petrol using cc?also which to swipe first?the petrol reward card or the cc? so noob
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Step by Step:
i) 1st insert your petrol card into the card Slot at the pump & remove the card after the instruction...
ii) Insert the Credit Card in the slot & wait for transaction (process) approval
iii) After approve (there was dime Green Light near the Card slot) You can retreat yr Credit Card now
iv) Take up the Nozzle & start petrol filling for your Car
& after finish it put the Nozzle back wait for receipt Printing after keep it for your record

Note: Petrol Transaction at the Pump (outdoor)
Pre-authorisation amount (usually $200) will be charged to customer's card account during the fill-up.The Pre-authorisation amount will be reversed back & the actual filled-up amount will be charged to customer's bank account(card) once the bank receives the actual filled-up amount from the acquiring bank. Average pre-authorisation holding days is 3-5 days

This post has been edited by fly126: Jan 13 2013, 11:27 PM
fly126
post Jan 15 2013, 03:19 AM

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QUOTE(eddievh @ Jan 15 2013, 03:11 AM)
What are the possibilities that credit card purchases don't appear on statement ? 4 months ago i make some purchases at Tesco Setia Alam using Maybank Amex2 until now it still haven't appear on my statement. Merchant lost my purchase slip ?
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Maybe F.O.C (Free of Charge) tongue.gif
It's ok... as long as U keep Original Receipt if any happen... wink.gif
fly126
post Jan 15 2013, 03:31 AM

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QUOTE(eddievh @ Jan 15 2013, 03:28 AM)
If it is foc then i hope it happen more often.  rclxms.gif  rclxms.gif
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+1 brows.gif
Usually the Merchant collect their debts in 30 days...

This post has been edited by fly126: Jan 15 2013, 03:34 AM
fly126
post Jan 15 2013, 09:55 PM

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QUOTE(kschai_96 @ Jan 15 2013, 07:55 PM)
Why nowadays it's so hard to get a credit card?
I'm 28 and wanted to get a credit card...
almost tried all the credit card application, but turn out no response.

I'm earning more than than 2k, i gave them epf and 3 month salary, still none of them approved.
No commitment, no car loan, no house, nothing, just purely normal employee...
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Nothing as 100% Guarantee Approval... sweat.gif
Is the bank who give CC approval Not the Agent said so, sometimes also depends on Your Luck
As I said before, I'm 30 Something baru got my 1st Credit Card after keluar kerja more than 10 years rolleyes.gif

What I know the bank are very stingy-strict when come to Credit Card application Now, mostly will reject ppl with No Credit History
They also need your latest 3 months Bank Statements which your salary credited to that Account as Supporting Document beside yr Salaries Slips,
EPF printout. This can Convince them, You betul-betul earn that Much $ tiada Tipu orang (This my own Experience).

OR You can Sign-Up for Fixed Deposit Pledges for Credit Card (min. $20k-$30k)
But Not every bank Accept it....Hears Maybank, HLB got this kind of service
the CL usually max up to the FD Figure that pledge only

& Lastly, Try to get Yourself Local Bank Credit Card (RHB, HLB) to build up yr Credit History 1st X Rush to apply Overseas Bank CC they x approve if you x have Credit History... blink.gif

You x have Credit Card is not the End of the World...so No Big Deal still got Debit Card to carry on... wink.gif
Cheers tongue.gif

This post has been edited by hye: Jan 16 2013, 02:24 PM
fly126
post Jan 24 2013, 10:24 PM

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QUOTE(cannavaro @ Jan 24 2013, 10:16 PM)
Applied for 2 different cards at 1U just now.. was surprised to find out that all they need is your IC - insert it into the KWSP machine, use thumbnail verification and they print/check your records there. I asked if my salary slip is needed, agent said no.

When was this implemented? hmm.gif
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I think...last September sudah ada... rolleyes.gif
fly126
post Jan 30 2013, 12:44 AM

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QUOTE(-Matrix- @ Jan 29 2013, 11:55 PM)
noted with thanx ... do you know if maybank's points are more generous than citibank's - point for point basis? i'm not sure if both have same products for points conversion so what i meant was - to exchange for a similar item (maybe a voucher for comparison sake), which one requires more points to do so?
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Almost same..lah laugh.gif

https://www.maybankard.net.my/index.php
http://www.citibank.com.my/citirewards/?eOfferCode=MYHCCBTL3
fly126
post Feb 3 2013, 09:57 PM

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QUOTE(dig_dug @ Feb 3 2013, 09:50 PM)
can I use CC to pay for my car loan?
maybank to cimb?
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CAN NOT using Yr CC Paying House Loan, Car Loan, etc etc...Loan sweat.gif
fly126
post Feb 4 2013, 10:52 PM

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QUOTE(fox_shinoda @ Feb 4 2013, 10:43 PM)
I cancelled my Maybank Sony card last week 31/1/2013. The total due amount was Rm819.47. Went to a Maybank branch and filled in the credit card cancellation form. Paid Rm820 via CDM since the queue was long.

After that, I called customer service just to expedite the process. Was told again that it has been cancelled, was given a reference number as well.

Today, I login to M2U and saw that my card is still listed, with an outstanding balance of Rm18.76 and the statement was on 3rd Feb

Why is there a new additional charge? The card has been cancelled
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Usually they need 3-5 Working Days to (Update) Procced your Request... sweat.gif
But any Enquiry You can Call up Customer Service to ask at 1300886688.hmm.gif

This post has been edited by fly126: Feb 4 2013, 10:53 PM
fly126
post Feb 4 2013, 11:12 PM

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QUOTE(fox_shinoda @ Feb 4 2013, 11:00 PM)
When I called them, the rep just said it is the finance charges, but does it make sense since I confirmed with the rep at the Maybank branch about the total outstanding amount which was RM819.47 as of 31/1/2013/. Paid Rm820 on the same day. The card was cancelled on the same day as well, not only via the form at the branch, but I also called Maybank customer care to expedite the whole thing, and the rep confirmed there are no more outstanding amount and the card has been cancelled on the system  sad.gif
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Then You must Get Bottom of This, Log on Complaint on their Website sent out email to them together with Your Reference No...& see what the out come next hmm.gif
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
& Please Click on Submit Your Complaints

This post has been edited by fly126: Feb 4 2013, 11:28 PM
fly126
post Feb 4 2013, 11:30 PM

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QUOTE(fly126 @ Feb 4 2013, 11:12 PM)
Then You must  Get Bottom of This, Log on Complaint on their Website sent out email to them together with Your Reference No...& see what the out come next hmm.gif 
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
& Please Click on Submit Your Complaints
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Or Better You Call CS Again... blink.gif
fly126
post Feb 8 2013, 12:24 AM

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Nope... sad.gif
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