OT: Hmm... this M2u Savers sounds interesting. I already have Kawanku, and current account. Any charges/fees for the account every year ? like RM10 ?

I'm reading more info from MBB2u website now ... if the interest is higher than Kawanku Savings, I might as well park the money there.

OT: Great. Rather than park at Kawanku or HSBC which earns nearly nothing for some cash liquidity.

Going to apply online NOW ...

ok, back to topic.

Take it as a discipline, to make full payment every month and you don't need to know the 8.88% whatever interest for minimum payment/advance cash/whatever.

If you can't discipline yourself, then better to go with debit card. Don't apply CC. Serious, you'll fall into debt trap and we don't want you to be.

Use CC for EPP / 0% installment is fine, but full installment payment every month is a must (discipline).

Over here, we try to advocate everyone to use CC positively and EARN from bank (even after paying RM50 GST).
We don't encourage people to be in debt and not able to pay, or just minimum / partial payment.

Try read first page , the first few postings, you might get some idea there.

Correct, but I add-on my commets to above example... Z610ix6 take note of the date for the example.

After the red add-on above... if the 1k purchase can convert to 0% 12 months, means every month MUST pay (1000/12) = RM83.34. Nothing less. EVERY month, no skip. Otherwise, don't EPP / installment / Balance transfer.


Some will think, I'm not as rich as you guys lah, what lah. Then it is simple, use debit card.
"If your head (kepala) is not that big, don't pretend to wear such a big-hat"

Try call up MBB CS to appeal and they might call you to check/re-submit any necessary docs. Or perhaps you have too many CC / loans / or payment delay / etc.

Otherwise, just move on with life, and retry again in 6 months. This MBB-2-Amex card is really the best currently, in my opinion.

Just to share:
My first CC to apply Citibank was also rejected, and immediate application to MBB was approved. No ill feelings, but later when Citibank offer me pre-approved CC via telephone, I declined it

Same with HSBC later after that, I applied CC at that time, using my salary slip, which matches my salary in the account every month. I was rejected. Few months later, they also send me pre-approved CC, I also declined it at that time

Just try appeal, otherwise, retry again in 6 months. In the meantime, move on with life

Not necessary. The first / few times you may want to call to be safe, rather than make international roaming calls from overseas in case the CC is blocked.

Once you've set a pattern, then you can test it out at certain countries, like SG or ASEAN countries or HK. i.e. don't inform bank before travel.
Once tested, then it'll always work.

However, for huge sums/expenses or certain countries which you have doubts, especially far away like US/Europe, it's always better to inform the bank. Of course, if you travel frequent there, and set a pattern, it is fine also.

a) here, let me G it 4u

b. Many many years ago, it takes about 3-4 weeks to deliver a set of kitchen pots to my home.

c. Done with MBB-2-Visa for lelong, dealwatch, etc. Compare to direct cash transfer, some will wait for 1-2 days for the CC to clear first before send out.

For AA case, I think it is quite subjective, as they put it under different title as "Convenience Fee", which is sort of an intangible service. As compared to let's say purchase something physical at shops, where you can see the list price, and then the 2-3% added into the invoice/receipts.

How much is your Statement Balance ? I suspect it is below 300.
Just pay the exact figure through M2u Online, e.g. 299.45

I guess they only approve your application up to Gold card level only. i.e. they don't qualify you for plat card.
Well, at least you start off with gold, rather than rejected. Build up your monthly prompt payment, get higher income, then in 1-2 years time, submit for upgrade to plat.

Yes, it does. If you buy RM10.50, TP will be 10.50 x 5 = 52.5 TP
However, whether it rounds up or down, is subjective. I have transactions at 0.5 round up to 1.0.
I have some transactions at 1.75 round down to 1.0

Call up CS, verify your details. Then ask them to check status and what it is.

Yes, been few years already. 5x TP.
Auto deduction.
No need waste time, money, parking, petrol, to goto counter to pay.
Or waste time, reminder, login to pay online.

Yes, you'll get 5% cashback, as it is on Sat.

Correction, you get 5x TP anytime of the day/week. But 5% only for weekend.

My rate is 200TP = RM1
10,000 TP = RM50 = GST

Unless you have something to spend in some shops (Parkson, Metro, Guardian, etc.) which exchange lower TP <10,000 for RM50, otherwise just redeem for GST.

Don't worry too much on this, just let it be. When it comes, it will come. Better to concentrate on getting more rebates / %

You still can try call in CS and request for it. Some still allow.

LOL ... me too always redeem GST. There is one year, they deduct 20k TP for me for 2x RM50 GST, cause I called the 2nd time to complain it is not deducted after few days, and they put in a separate new request

Mine should be coming soon.

No shortcut. Either goto branch / fax / email also can.
- fill up Increase Credit Limit Application Form (subject to approval)
- proof such as latest 3 months salary slip (hopefully with increment) or EA form to justify 2-3x CL on basic salary. Income tax submission form also can submit as proof.

The backend banking transaction request maybe get rejected.
Try call MBB CS to ask them to "open" your CC for Amazon for XX days.

Same with me, I did some through Paypal. Sometimes if cannot go through (rejected), I called CS, open up, wait 5 minutes, send payment again and it goes through.