Yah. some of them do that. My phone dealer has been do that ever since I can remember.

Bro, you worry too much. Have you ask MBB to reset your SMS alert to RM1? IF not, go read this Thread.

What is the difference between manual and your data being captured in the merchant's system? When you go pay bills at restaurant, and the card is out of your sight for like 3 minutes, they also can copy your info lah.

And if you still worried about this tomorrow, better you just cancel your card and use cash

This post has been edited by Gen-X: Jul 28 2012, 03:13 PM

Yes as long as you don't go for the paperless option in M2U.

if you don't have to disclose your personal info and simply accepting the card by sayig YES, I guess it should be genuine. And it is not weird for a bank staff to see our banking records in the bank's system if they are authorised to access to it. Go to any bank, give them your NRIC and everything about your account(s) can be seen on the monitor.

The Visa/MC card does have it own benefits. For example 6% discount with Agoda and 0% Ezp Pay at many merchants.

For MC, free gift at selected shopping malls during festive seasons too (T&C applies).

and as Human Nature pointed out , the Visa/MC may benefit you overseas with the lower overseas conversion rate lower compared to AMEX (but if you consider the AMEX 5XTP and as shown by jchong, the AMEX does beat the Visa/MC]. You just have to decide you want to pay less upfront or pay more and redeem the points later.

and maybe in Hanoi not many places accept AMEX?

oh forgot to add, the Visa/MC also comes in handy when on the highways and need to pump petrol at Petronas where the AMEX may not be welcome

This post has been edited by Gen-X: Jul 29 2012, 11:22 PM

Wait till you hit the OCBC monthly cap one day, then you may find your Visa useful, haha

and on weekend (Saturday and Sunday) Plus additional 5% cash back but capped at RM50/month .

Can CS 1800 88 9559 AMEX or 1800 88 1801 MBB Platinum to check status of application.

I guess also it depends if one has use the card for pay pal before.

For example, my wife try to use her own MBB 2 AMEX to book Air Asia ticket but was declined. My MBB 2 AMEX on the other hand has no issue and always go thru without any problems.

Thank you Bro, save me the time to click and paste the link


But with MBB 2 AMEX, spend RM2K = 10,000 points to offeset GST. Spend another RM8K get 40,000 TP can redeem about RM200 cash vouchers


Read my articles Credit Card Beginners by clicking on the link given by Human Nature above and by the time you graduate by completing the free tuition, you'll be an expert on credit cards that is if you can understand what I wrote, hahaha

The 5% or usually RM50 is the amount you must pay before the Due Date. If you pay less than this amount, your credit history will be tarnished. You may face difficulties in getting future credit facilities like car loan, housing loan and even more credit cards.

The 8.88% is the interest rate that will be imposed onto your Outstanding Balance if you fail to pay in full before the Due Date. If you pay in full the Outstanding Balance stated in your monthly Statement before the Due Date, no interest will be imposed.

Since you are new to credit card, here is some advance info before you read my articles:

1. If you got M2U, Do Not opt for paperless statement i.e. view Statements online. Get paper statements for few months so that you are familiar with the terms Statement Date, Due Date, Outstanding Balance and other terms. You still can view your transactions online at M2U even tho you do not opt for paperless statement.

2. Once you get your Paper Statement, look out for the Statement Date. - What you will notice is that all transaction(s) you made before this date is(are) shown but not the ones you did after that. For example. Your Statement Date is on the 10th of August 2012, and you did a transaction of RM100 on 9th August 2012 i.e. before the Statement Date. You also did a transaction on 11th August for RM200. Your Statement will only show Outstanding Balance of RM100.

3. So on 15 August you receive your Statement by mail. You will note Statement Date 10th August 2012, Due Date 30 August 2012 and Outstanding Balance RM100. The RM200 transaction on 11 August won't be shown and you do not need to pay this until the following month.

4. You have to make minimum payment of 5% or RM50 (can't remember if MBB reduced this amount to RM25 or whatever). Since 5% of RM100 is RM5 only, Your minimum payment shall be RM50 and this will be reflected in the Statement you received.

5. Make payment of RM100 (Outstanding Balance) before Due Date 20th August 2012 and you won't be imposed a single sen of interest.

6. But if you only make payment of RM50 (the minimum amount required), you will then have Outstanding Balance of RM50 and this mean you have given up your rights to the interest free period and you are then imposed interest of 8.88%. And the RM200 transaction you did on 11 August may be subjected to interest.

7. Conclusion - Pay in FULL (amount of Outstanding Balance stated in your Monthly Statement) every month before the Due Date and if you cannot to this, go cancel your credit card; because, if you pay interest to the bank because of credit card usage, it means you working for the bank and you getting poorer by the day.

This post has been edited by Gen-X: Aug 5 2012, 11:27 PM

For Maybankard 2 Cards and most MBB credit cards - Hardcopy Statements are FREE as long as you don't go opt for paperless option in M2U. Once you opt for the online statement then different story. So don't go opt for online statement and you will get FREE monthly statements via mail plus you can view your all your transactions too at M2U.

Some Maybank credit cards by default only issue paperless Monthly Statements (if not mistaken MU credit card), so that one yes, you will have to pay for hardcopy statement.

This post has been edited by Gen-X: Aug 6 2012, 01:08 PM

Please read first post.

5X Treats Points everyday for any transaction, that is if the outlet accepts AMEX.

Extra 5% Cash Back credited into account (not discount) for transactions every Saturday and Sunday but maximum RM50 a month (or RM1K spending).
.

You must pay in full the Outstanding Balance stated in your Statement before Due Date i.e. 26th August to avoid being imposed interest Aslo allow a few days for your payment to be cleared/credited into you account.

If you don't have paper statement and looking at M2U Summary, sure confuse, go download the Online Statement if you have opted for the paperless option.

Once again, for those new to credit cards, do not opt for paperless statement but get hardcopy statement so that you can familiarize yourself with Statement Date, Due Date and Outstanding Balance.

I guess for M2U should not be an issue unless there is a cut of time by MBB to consolidate their accounts for the day.

Be kiasu lah, pay 1-2 days in advance, haha and then check if credited immediately into your MBB2 account and next time you'll know.

This post has been edited by Gen-X: Aug 7 2012, 12:42 PM

Bro, you MBB staff? You seem to be very knowledgeable about MBB and seldom post elsewhere.

And I must add, your comments are valuable to this thread.

Why you so lazy to go read the T&C?

I did published my article on 20% Cash Back with American Express weeks ago stating it starts on a Monday or you can click here to read the T&C.

This post has been edited by Gen-X: Aug 9 2012, 12:15 AM

Actually before I had MBB 2 Cards, my Amex Gold Charged card was my main card. Annual fee waived every year and with Turbo Points I earned 3X Membership Reward Points which is equivalent to 1.5% cash back for all my transactions. Now the AMEX Charge card is kept in the drawer only.

AMEX's Amex Credit Card also AMEX lah.

The easiest way to differentiate Amex's AMEX which earns Membership Reward Points is there is no Maybankard Words on the card.

Example of AMEX's AMEX Charge and Credit Cards below:



For Maybank's AMEX Credit Cards which earns Treats Points, you will see Maybankard printed on the card.



This post has been edited by Gen-X: Aug 12 2012, 09:00 AM

WaCKy-Angel, haha, you teaching me about AMEX cards And do you know you can use zoom + to enlarge images

When I was under 21 years old of age, I already had a AMEX Charge Card & AMEX Optima Credit Card (with Centurion Head) in US. Click here to see my old cards including my AMEX Credit Card in US

And I use to have the AMEX Gold Credit Card too in Malaysia before I got the Maybankard 2 AMEX. See pic below, it's a pure AMEX Credit Card with the Centurion Head It used to be one of the best credit card for Petrol (5X MR for Petrol, Telco and Groceries) and was a hot topic before we have OCBC TMC and MBB2 AMEX.



I even wrote an article about the American Express Gold Credit Card back in 2009 at My Credit Cards Blog. And today, you still can apply for the AMEX Gold Credit Card and Platinum Credit Card.

Not only that, the pure American Express Platinum Credit Card (with Centurion Head) is among the Top 3 credit cards in my article The Best Top 10 Credit Cards in Malaysia. But then again, you don't care to read my blogs so you don't know, hahaha

This post has been edited by Gen-X: Aug 12 2012, 03:50 PM