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

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cenkudu
post Mar 6 2012, 02:29 PM

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what method that can we use to pay cc for road tax renewal? JPJ accept card?
cenkudu
post Mar 26 2012, 12:01 PM

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maybe true, assuming you make the first transaction after the statement date and the cycle end in 30 days. normal card they allow for another 20 days interest free period perhaps this card add another 30 days interest free period.

correct me if I'm wrong
cenkudu
post Jul 24 2012, 06:04 AM

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is the maximum liability of RM 250 for credit card apply to debit card? I got a case friend of mine who debit card being stolen and the money from bank account was deducted due to transaction at hypermarket. the thing is the transaction does not requires pin number as if the debit card is a credit card.
cenkudu
post Dec 5 2012, 11:35 PM

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i'm not sure if someone did asked this. if merchant (online) offer to pay using paypal or their security system, considering we are using the same credit card should the transaction rate is the same between those methods? e.g. any extras charge by paypal beside the exchange rate + bank % fees?
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
cenkudu
post Mar 28 2013, 08:00 AM

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I'm in Australia right now and planning to buy one way ticket to Malaysia. using MAS website their requires user to use secure Visa/MC code. I have roaming but the OTP did not go through my phone. any bank that not require OTP to send to phone maybe through simple verification like DOB?
cenkudu
post Apr 16 2013, 06:15 PM

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anyone have experienced requesting to have new replacement card 1-2 years before the card expiry date? i plan to move to Australia for few years and to retain 1-2 cards. since the expiry date is next year, plan to request for new card.
cenkudu
post Apr 17 2013, 10:07 PM

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QUOTE(b00n @ Apr 16 2013, 06:39 PM)
The bank may or may not approve of such. Check back your bank's T&C. I know Citi has a clause on it whereby if a person has moved elsewhere they are required to cancel their card under clause 46:
http://www.citibank.com.my/english/credit-...rCode=MYCCLNTNC
46. Your Departure from Malaysia
(1)  If you are absent from Malaysia for more than one (1) month, you must settle the amount outstanding under your Card Account at least seven (7) days prior to your departure.
   
(2)  If you leave Malaysia to take up residence elsewhere, you will settle the amount outstanding under your Card Account and call CitiPhone or by giving prior written notice to us for cancellation at least fourteen (14) days prior to your departure. The provision relating to termination above will subsequently apply and your Card(s) and all Supplementary Card(s) (if any) must be returned to us.


Because it is termed as Event of default under clause 24:
(1)  We may suspend, withdraw or terminate the Card, Card Account and/or any of the services offered in connection with the use of the Card with prior notice, even if we may have waived our right on some previous occasion upon the occurrences of any or more of the following events (collectively, “Events of Default” and each an “Event of Default”):-
  (vi)  if you leave Malaysia to take up residence elsewhere;

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thank you, in my case not an issue about residency.
cenkudu
post May 2 2013, 08:58 PM

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I just received replacement for Maybank Amex 2. Now they require us to activate the card via Maybank2u or call their 24 hours service

This post has been edited by cenkudu: May 2 2013, 08:58 PM
cenkudu
post Jun 1 2013, 05:48 PM

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just to share for those who going to move to overseas for long period of time e.g. 2 years and eventually your card might expire during that period. Most banks can accept early renewal so that you can get a new card and Maybank in fact can courier card to your overseas address if you have moved to overseas.

However it is advisable to use 'local' credit card in overseas if you work there since you will not lose on the exchange rate.
cenkudu
post Jun 29 2013, 07:05 AM

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QUOTE(Confession @ Jun 28 2013, 04:42 PM)
I got a refund from a ebay seller through paypal to my debit card, I seen the transaction in my paypal account and it has been credited to my card. But when I check the balance in my bank account, it isn't there ?
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it will take few days to get clear. if the transaction is in foreign currency you are likely to lose few cents or ringgit due to different exchange rate
cenkudu
post Jul 5 2013, 02:20 PM

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is it normal to be issued credit card with slight different number when you previous card expired?
cenkudu
post Jul 5 2013, 05:37 PM

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QUOTE(ronnie @ Jul 5 2013, 02:44 PM)
Normally the CC number is retained when new card is issued upon expiry of the old card.
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PB gave new number
cenkudu
post Jul 30 2013, 11:18 AM

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QUOTE(kytan @ Jul 29 2013, 12:08 PM)
Hope someone can help me here. I work in Macau and trying to apply for a credit card in Malaysia. Not sure why is it so difficult. Citibank do not accept application if you work abroad in any countries except Singapore and Brunei.

Does this rule apply to all banks?
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in your case Malaysian working overseas. in other case, Malaysian work in Malaysia want to apply overseas card. also hard.
cenkudu
post Jul 31 2013, 04:19 PM

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QUOTE(kytan @ Jul 31 2013, 12:25 PM)
Uhhh...on the contrary, I have 2 cards issued by Macau banks.
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yup, if you work in Macau they could give you&that's why you got 2 cards. different bank have different policy. some banks might need at least permanent resident with min income to give card. some banks could give someone with valid visa holder with certain income to give credit card. different countries also have different policy. In Australia even international or local student can get credit card with lower limit (https://www.commbank.com.au/personal/credit-cards/low-fee/student.html)

This post has been edited by cenkudu: Jul 31 2013, 04:20 PM

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