As long as it is not posted in your statement, you don't need to pay for it.

Sometimes petrol station can be as late as 3-5 weeks. I encountered this one time several years ago. Very rare though. Mostly will post on next 1-2 working day. Very seldom >2 days.

There is one time (even longer than several years ago), I have a petrol transaction that is not posted Anyway, the card is already cancelled now

Right, and we share our info/experience from encounters, usage, etc. in mature way.
Also, we try to share good financial habits to all forum readers and advocate it, rather than getting them into debts/AKPK.


Back to topic, those seniors enough to read my postings from few years back ... I also do not have good human interactions with MBB, whether face to face or through phone/fax. Therefore, I get all these settled and deal with computers, i.e. MBB online banking and machines to settle all the transfers/payment/deposit/etc.

Finally after officially cancelled my Amex Charge Card for ... >2 years ago, it is reflected in Maybank2u online:

Account is not authorised

Nope, that's my plan of not calling MBB to remove the cards. I'm still keeping the details of my cancellation.
Just to share that it took MBB >2-3 years to update their online-system based on normal workflow.
If the argument is must call/inform to remove the cards from MBB2u, then MBB should not automatically remove the card recently. Someone is doing system clean-up.

Principal MBB-2-CC, is RM50 for Amex and Visa.

Supplementary is RM25 per card. You cannot say you use 1x principal and 1x supplementary = 25 + 25.
No, it doesn't work that way. It is principal 2 cards (RM50) + 1x supplementary = RM75
If you have 2x supplementary, then RM50 + 25 + 25 = RM100

This is assuming MBB-2-CC. If other MBB-CC, then the principal is RM50 per card.

RM50 cash rebate is based on your 5% weekend usage >RM1000

yeah, the RM50 GST appears in both principal card statement. However, you will notice one of the principal card statement will rebate you RM50

My rebate two lines is like this:
SERVICE TAX - PRINCIPAL RM50
PAID SERVICE TAX - PRINCIPAL -RM50

The other without rebate, just this line:
SERVICE TAX - PRINCIPAL RM50

Sorry, mixed up with your description on the RM50 cash rebate for 5% weekend.

From the T&C I read when apply (>1 year ago), EACH supp MBB-2-CC is RM25, which works out to RM50 for both MBB-2-CC supplementary cards.

That is the reason, if the supp can apply as principal, it is better.

---

Added on May 2, 2012, 3:12 pmIt's well known (at least for those who hang around this thread) that Amex has the highest rate.
My HKD using Amex was 41.51 when the currency rate is 40.51 , but since is company usage, I only care the 5x TP


This post has been edited by cute_boboi: May 2 2012, 03:12 PM

You got the point from fine print on GST for Supp I was cautious in earlier posting, cause cannot 100% confirm the supp GST, but I recall is EACH supp card is RM25 if I remember correctly.

That is the reason why pay RM50 GST to supp the CC ?

If split as two principals, each with MBB-2-CC (with a total of 4 cards), each principal can fully utilise the 5% weekend.
One principal = RM50
Two principals = RM50 x 2

1) Always submit direct, either to:
(i) fax to credit card processing
(ii) goto bigger branch/HQ which has dedicated CC counters, not those multi-tasking ones. e.g. HQ menara MBB, KLCC, 1Utama CC Centre.

2) Your option is to call up and ask. Most likely they'll ask you resubmit / fax to the ones above.

It's quite hard. I tried transfer online and at ATM from my savings account in CC, both reject my transaction due to "over payment". Some say can do it over the counter, I did not try this.

What I did was, split payment over several days, of course I have to trust the seller.
1st swipe, wait few days to reflect in MBB, make payment.
2nd swipe, wait few days, ... repeat.
Final only collect the stuff.
Of course, it also depends on the shop if they can do that, as they may need to do closing every night and the numbers must tally with sales.

This is the error from MBB2u online:
Status: Unsuccessful. Account not authorised/Amount exceeded outstanding balance. Reject code: [0076]

LOL. Re-reading it back myself, I sound misleading. Rephrase to:

Sometimes, the TP at Maybank2u online system are down. Nothing is shown when you query it.
Wait few hours or next 1-2 days, it will be up.

From the bank point of view, "You are on a need to know basis, and you don't need to know."

On your side, try reflect back:
(1) Land-line numbers to call, anyone pick up ?
(2) Basic income qualify ?
(3) All required docs submitted and clear enough ?
(4) First timer ? Or have other loan commitments ? Ever blacklisted ? Late payment ?
(5) Bad luck. Sometimes due to no fault of you.

Just try other banks for now and re-try in 6 months if you like.

I was in this situation 2 times before, posted in LYN several times many years ago. If I repeat again, may get mod warning

1) This can be an issue to some banks. I kena before, they tell me no one pickup (coincident, someone at home is asleep or went out already). I add in office tel number and appeal. Card is approved. But this is like ... many years ago.

3) MyKad ?

4) Even 10 cent late payment, even by 1 day, is still consider as late payment. That will affect your credit rating / payment history. e.g. CCRIS

Amex system is down on Sat, 19-May.

Sunday, 20-May it's back to normal. Still can use Amex at Esso (no more Mobil).

Esso bought Mobil since 1-2 years ago.

On and off it happens. From my experience, several times already over the past year, cause I always refuel on Sat.

Years Decades ago, this is true.

Nowadays, don't get con by those marketing/advertisement. As long got Amex/Master/Visa/Diners logo is good enough, no matter which bank.

The only point is, if CC lost/replacement or any issues that need CS help, some banks may have better global customer service.

MBB-2-CC confirm no problem in China, Indonesia, Thailand, Vietnam, Cambodia. Always use it as hotel deposit.

MBB CS no global reputation lah You need to make international-roaming call back to KL and if you not lucky, confirm vomit. So far, I only call bank once/twice, and small issue only (not lost card).

Others like Citibank/HSBC, they MAY have better CS, and may have some local numbers you can call.

>2-3 years ago, this may be true, where banks are given free hand to dish out high CL.
Recent years, under BNM guidelines, it has been tighten.
Anyway, the general rule now is CL is 2-3x of your basic income, based on your submitted docs.

For Maxis autopay, I register through MBB rather than at Maxis counter, using my MBB-2-Amex.
Info

Auto-pay direct-debit using Amex.