Now all the CC just same...lah, Difference is CL only...

Agree with you, it has nothing to do with class or status, it purely shiok sendiri, hahaha.

This I don't agree. If all CC same, why you get MBB 2 Cards and not MBf card?

It's stated there in the table with title Cash Rebate Payment.

mbf card is not good ?

In term of benefit MBB2 offer better points rewards & 5% rebate on everything!!

Yea.. I saw it.. Just thought that MBB may announce winner earlier than payment date..

i call customer service just now he told me my application "resigned" with no reason but why resign not "rejected"

they call me & offer the 2 cards to me but resigned now

no choice have to kept my exiting CIMB Direct Access Platinum card with the RM48k credit limit who send me the new card last week

i am just apply the gold MBB x 2 , but I got my OCBC Titanium card last week but very low credit limit compare to my CIMB Direct Access Platinum card & UOB Preferred Platinum Card.......I just want to hold 2 cards.....shall I give up the UOB Preferred Platinum Card or CIMB Direct Access Platinum card ?

Shall I re-apply again or appeal.....but the way they do just like the citibank last time rejected my application then later send me the Platinum cards to offer me a few times but I never accept it again........... maybe my com income too volatile every year

This post has been edited by asiatrader98: Jul 13 2012, 12:00 PM

well, you can try to appeal or re-apply if you want this Mbb2 card. As for the CIMB DA or UOB 1card, try to see which one benefits you the most

both the benefit very less the points only can use for redeem the GST.....but very high credit limit, never ask for but always upgrade for me

no more attractive gifts for my kids now.....

I do think you know that this MBB2 card is good in terms of cashback and points so it is probably a good idea to appeal/re-apply. Ask them to clarify what is the meaning of 'resigned'.

OT: You made a good choice with OCBC Ti. You dont need high credit limit for this card as the maximum cashback is only RM50 per monthly statement and you dont get points. No reason to keep other cards that dont benefit you. Anyway, you can keep them if you have paid GST for this year.


This post has been edited by Human Nature: Jul 13 2012, 12:21 PM

yeah....but not now to re-apply, they didn't look at the commission.....but maybe later I just want 2 cards, credit limit is not important to me will give up either one and keep the OCBC Ti.....for the time being, commission base is disadvantage for apply anything to bank, esp now is not the good timing....

thank Human Nature

This post has been edited by asiatrader98: Jul 13 2012, 02:47 PM

Did you know that UOB now has a ridiculous auto waiver condition for their credit cards?. If you don't mind calling UOB every year for annual fee, then ok loh.

As for CIMB, you can use the points for on the spot redemption.

As for OCBC TMC, with 5% cash back you only need RM1K spending to hit max cash back of RM50. Who needs high CL?

As for MBB 2 Cards, did they ask for proof of income and make you declare your loans? If you know the reason why it was not approved, easier to appeal.

This post has been edited by Gen-X: Jul 13 2012, 03:04 PM

hmm guys, regarding the referral program, person who are principal maybank card holder, but others than M2C, cant be referral. yes?

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Added on July 13, 2012, 4:05 pmalso, is this just only recommendation? do referral need to apply on their own after "being contacted" by maybank staff?

This post has been edited by monara: Jul 13 2012, 04:05 PM

Ya, cannot.
Maybank representative will follow up with your referral in order to get the further details and supporting documents.

Agree with your point. Why ppl like high CL ? I actually reduce the CL to avoid credit card fraud.....

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Added on July 13, 2012, 4:21 pmSome update on AIA insurance premium payment. AIA Pulau Pinang, Bukit Mertajam and Sungai Petani don't accept Amex.....

This post has been edited by chinth: Jul 13 2012, 04:21 PM

yeah, i don't need high CL .....going to cancel both cards but UOB ady paid the GST 2 months ago so hold until next yr

last time CIMB Direct Access is the best, now the points I have only use for GST....

I think even the officer told me no reason, my MBB 2 cards can't get approval either because of my current income (mainly is commission), esp the last 3 months very poor & currently moving to another firm to work....or my housing loan is about RM2k per month, a bit high compare to my last 3 month commission.....but I sold my old hse to buy the new house only 2 years I ady settled 75% of the loan but they didn't bother about this, what they want is : current 3 months salary/commission

I think I will re-apply it again a few month later after I moved to new firm & everything esp the current 3 months salary/commission is stable.........

currently, I may apply or downgrade to UOB One card or Hong Leong Mach or Alliance You:Nique.......I like cashback & also points to settle the GST............still better than the current 2 cards I have .......


Gen-X expert ...what do you think about UOB One card or Hong Leong Mach or Alliance You:Nique....even they may not as good as OCBC TMC but my average spending is about RM2k.....I need another cashback card now....TQ
http://www.alliancebank.com.my/ccard_cashback.html
http://www1.uob.com.my/personal/cards/cred...b_one_card.html
https://www.machbyhongleong.com/mach-credit-card


but as you have mentioned UOB one card, their terms is ridiculously & no idea it has smart$ points or not, Alliance You:Nique has the tiers to spend even it has the timeless points.......no idea about this new Hong Leong Mach



This post has been edited by asiatrader98: Jul 13 2012, 07:33 PM

Bro, did you notice that there is no thread on Mbf cards

well, for those without AmBank CC, actually if you got MbF card now, keep it as it going to be taken over by AmBank


Bro, I guess it is because of your last 3 months income. MBB nowadays kind of strict. Wait till your income increase then go apply again.

As for which card is good, bro, you are trader lah, should be good in numbers, go compare yourself
I did mention about Alliance You:nique versus Alliance Classic in my article Entry Level Credit Cards - Which Is Best For You?

Aiyoh, why you never read my article on UOB One Card Review. Yes SMART$ Cash is applicable for all UOB credit cards.

But if you want to know if the MACH is any good, check out my blog (or look out at MACH Thread) tomorrow or Monday latest. Still drafting now and touching up tables.

This post has been edited by Gen-X: Jul 13 2012, 09:06 PM

Yay yay! ...new article...but boooo to the banks' marketing people, no exciting new card to fight MBB2 and Titanium and some say UOB One card. Of course I did not mention the rest of the Infinite cards but that's another level.

This post has been edited by yflai1: Jul 13 2012, 09:42 PM

Just a quick question guys:

Any of you redeemed stuff using the accumulated Treatspoints before? On the redemption form it says "Note: Redemption is not applicable to American Express Charge Cards."

I am very puzzled then, as I have 30k points from AMEX and if I can't use it to redeem stuff then where can I use it?

Most of us the major expenses we cannot really control is Petrol. I doubt we will get other banks offering 5% cash back for petrol anytime soon. So looks like the Free For Life MBB and OCBC TMC Free For Life with 12 swipes and also Cash Bonus will be with us for a long time.

Oh yes, I just published by article Mach by Hong Leong Bank for GenY - First Look

Please note for AMEX Charge Card, the reward points is Membership Reward (MR) and not Treats Points. MR better as can redeem 200 MR = RM1 cash back

For Maybankard 2 Card - you earn Treats Points. ALL Maybankard earns Treats Points.