Have a question regarding vouchers redeemed from Maybank, particularly Harvey Norman's. I don't have the vouchers in hand so I have no idea on the T&C.


Is the following scenario doable? Perhaps you've tried doing something like this, but at a different merchant?



Note: 9700 Treatpoints = 1x RM50 Harvey Norman voucher

Didn't know that. Thanks.

Wow what a great deal! Is that the last unit left? And which Harvey Norman outlet?

They have moved elsewhere about 1-2 months back. That block is mostly empty now, even the restaurants and small shops have closed down. Even the traffic is better than before!

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Added on April 22, 2012, 2:14 amI experienced something new today. Let me just copypasta my post from the ipad section:


I believe I can even complain to Maybank/AMEX right, since they're using Maybank's terminal?

This post has been edited by cannavaro: Apr 22 2012, 02:14 AM

Yeah I learnt from here that the surcharge is on a 'willing seller willing buyer' basis. Whenever I want to pay with CC at certain shops at lowyat the staff never fails to mention about this surcharge.

The thing that riled me up the most was the fact that they wanted to void my paid receipt and do a new one plus the surcharge. One of the buggers even make a serious face and say "If not we have to void this purchase, we refund to your card". I mean seriously, even if you want to attempt something outrageous like this to your customer, choose your words wisely; say something like "We are truly sorry sir we made a mistake with the transaction. We left out the 2.5% surcharge for credit card. Sorry for the incovenience, but will you allow us to void this bill and do a new one?"
Of course I won't allow them but I won't be as angry.

Epicentre e@curve had 3 chance to inform me about the surcharge before I decide whether to proceed with the purchase or not.

1. By putting some sort of display in their store, telling customers about this surcharge. In lowyat stores they normally put this on the pricelist.
2. The staff who entertained me, answering my questions about the iPad and all.
3. The cashier, who didn't even ask me if I'm paying by card or cash, I simply hand over my card when she told me the amount to be paid. Then she inserted the card in the terminal, I signed the slip and not long after that the xxxx has finally hit the fan (judging from her face). Maybe the system showed that there's supposed to be a surcharge or something.

BTW, the total amount is RM4370.80
If I accepted the 2.5% surcharge, I would have paid RM109.27 more! Even the Maybank2card 5% cashback cannot offset this!

I will try to get Tribunal Pengguna to at least make them put a display about this surcharge... not sure what sort of authority they have, gonna be in contact within these few days.

This post has been edited by hye: Apr 23 2012, 09:56 PM

I am using EONBank GSC card and so far there's no such problem.

Question about combined credit limit across several cards.

I have 3 cards from Maybank (VISA petronas, Maybank2card).

I wanted to buy something earlier today but I didn't have enough balance on my AMEX. Actually there's zero outstanding on the AMEX itself, but since the CL is shared so I had to bank in the amount that I wanted to use via Maybank's cash deposit machine (to my AMEX).

So I went to this shop and only discovered that they don't accept AMEX when I was already at the cashier... I gave my M2VISA card but it was declined. I didn't ask the cashier to try a second time. This VISA card have about 3k outstanding from a 12 months ez-payment scheme.

I was under the impression that since the CL is shared, this VISA should be able to 'use' the extra available balance that I banked in to my AMEX account.

So yeah, just want a confirmation on this.

I have called the CS and got the confirmation... if I overpaid on my AMEX, the extra available balance won't be shared with my other MBB cards.
Oh well, learned something new today.

Recently I made a purchase at Birkenstock BV.
When I gave the cashier my AMEX card, she took it, paused for a bit and asked me "Sir do you have visa or master, we prefer visa master". I was a bit surprised because I don't think it is nice to talk like that to a customer. I replied "I want to use AMEX" and she just slot in the card without saying anything else.
I've never experienced something like this before, even at shops that clearly state "we prefer VISA/MC".

Not sure if this applies to your bank or installment method but what I did to buy something that is beyond my available credit limit is to overpay to the card that I used.

For example, if your CL is RM4000 (and available balance is RM4000 since you have no outstanding) and you want to buy a laptop that is worth RM5000... you bank in RM1000 to that credit card account. Technically your CL is still RM4000, but your available balance will be RM5000.

I thought the current policy is; you will only be charged interest if you missed the due date by 2 days? Wasn't this implemented by BNM?

Not sure hence the question.
As shown by charymsylyn, it turns out to be a no late payment fees instead of no interest.

How long have you been working there?

Normally 3 months pay slip will do. What about your credit history?

My personal opinion - It's one of the worst out there. Limited benefits.
Their CS is fine though.

I'm planning to use my card to pay the downpayment for my new car.
I recall reading somewhere in here that some dealers/distributors won't allow this if the amount is big... my DP is RM45k.

Share you thoughts/experience please.

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?