Bank online security purpose. Most of the time are locked for purchase from new sellers. Call up the bank CS to inform you want to purchase from XXXX ... to "open" for online transaction for how many days.

Unlikely the reasons you mention. More likely:
1) You have no previous credit history (credit card, loan, hire purchase)
2) You have credit history, and the bank thinks you are over-credit.
3) You have credit history, but payment not good. Delay, non-payment, etc.

In anticipation of TP inflation, ...



200TP = RM1 at MBB KLCC on-the-spot
I don't know what to buy with better conversion like Parkson, Metro, Harvey Norman, etc. At least I can slowly use it for lunch/dinner/friends or when I'm broke

Current batch:
KFC expiring Dec-2013
McD expiring Dec-2014

Jusco no expiry.

Generally, they will have stock for tens of thousands, but it can run out at MBB spots.
Also, seems like some vouchers are not available at certain MBB spots, but I'm not sure which ones.
Normally I just redeem Aeon, KFC or McD only.

Login Maybank 2u -> default Home

1. scroll to bottom -> Personal Details -> Change password
Try to set your h/p here also, if possible. I'm not sure if need to request the code via physical presense at ATM.

2. Home -> Accounts & Bankings -> Bill Payment - > scroll down -> "Add favourite payee"
This will need the TAC validation to add each payee, but save the trouble for future.

Yes, you can add insurance into favourite payee. In fact, you can add any of the payee in the list as favourites, so that you don't need to type manually for multiple different bills. However, when you select the insurance to pay, the next step dropdown combo box will filter out the list, normally allow visa/master only. Sometimes only pay from your bank account (savings/current).

Yes, Aeon vouchers are nice for groceries or sometimes big items from departmental store (for me). Sometimes Tesco is cheaper. But cosmetics, Parkson/Metro may give better TP conversion rate. Just wondering if Guardian voucher still around.

Yes.

During Jusco Aeon member sale, I pay all using Aeon vouchers.
Then bring my receipt to the Aeon counter (during sales only), and the redemption is based on full receipt amount.
i.e RM10 voucher for RM100 spending in departmental store.
RM5 voucher for RM100 spending in supermarket.

Based on the rumour going on, all Lemmings should redeem their TP before 1st Aug 2013.

I already did

Yeah. I don't need Aeon vouchers for now. Wait till if I post the pic
At least, some of my lunch are covered if I go broke in the coming 1 year.

This one not for single-person meal. Already pokai, need to treat other people ?

Source ? link/website ?

I'm glad if this is true. My TP balance now is <2k

Interesting ...

Read back the last 10-20 pages in this thread.

For Jusco RM100, the previous inflation was from 16,700 TP for RM100
Lucky I redeem all before it goes up to 21,000TP
Rumour of upcoming inflation, see how much it goes up.

Also, the RM100 spent 5-10 years ago, is worth a lot more than RM100 spend today.

Therefore, it is better to use the points than to keep for 10 years.

Default Aeon voucher does not have expiry. However, some promotional Aeon vouchers, will have a date stamp on it.

Amex with TP = yes.
Amex with MR = no.

Aeon vouchers not that difficult to spend. Everyone needs to eat.
Spend at supermarket for groceries, toiletries, etc.
Once a while, wait for sales, can buy few clothes also at departmental store.

Aeon vouchers are 21k TP if over catalogue/online.
If at MBB spots (KLCC, Gardens, 1U), it is 20k TP per RM100

McD rm10 = 2k TP
KFC rm30 = 6k TP (minimum per redemption batch). You cannot redeem rm20 KFC for 4k TP

yes, like normal cash even during member day. e.g. You buy RM100 groceries at member day, pay all RM100 using voucher.
You still can go redeem RM5 (supermarket green receipt) for that day member sale, as they look at the total spending, no matter cash, voucher, CC.

Amex with TP = MBB 2 CC Amex gold/platinum (with MBB logo in front)
Amex with MR = MBB Amex Credit Card gold, MBB Amex Charge card (centurion logo, no MBB logo)

LOL ... after all the rumours going around, and the first few batches of kiasu Lemmings who have redeemed their points , look who's laughing now.

Anyway, the time is already past ripe (by 1-2 years) to adjust the TP, since the last adjustment was like 5-7 years ago ?
That's the time when RM100 jusco is still 16,700 TP.
I recall much earlier than that, it was about 12k-14k TP for RM100.

Do you submit through the bank multi-purpose counter ?
Or dedicated CC counters like 1U, KLCC, The Gardens ?

multi-purpose CS won't care much, they will group the docs and delivery boy will forward to card processing centre. Sometimes can be several days, or 1-2 weeks. If they forgot and leave the docs in tray. Even if it reach card processing centre, no one know what to do with your additional docs, if there is no proper reference number to link to your earlier application.

Best is just call in CC CS, they tell you what's missing, then you ask them for the direct fax number to fax in. Once finish fax, call them to confirm they receive it.
Follow up within 2-3 days to know approve/reject.

My point is, don't keep collecting the points. Redeem it whenever possible.

1) TP points inflation. Enough said.

2) a RM100 voucher today, used to buy things, is worth more than RM100 voucher 3-5 years down the road. Due to product/services inflation also.
The RM100 voucher I spend 5-7 years ago, I can purchase more items/services than today.

There is no such thing as nothing to redeem. Aeon voucher is the best for basic necessities, since it has supermarket and the price is just a bit premium to Tesco/Giant, if compared to Cold Storage, Mercanto, etc.
Even I don't have nothing to buy at Parkson/Metro, which gives even better redemption, but I still can use it to buy things at Aeon supermarket.

Well, good things never last. But it is still one of the best CC rebate/redemption for now.
Other CC are close already after the TP inflation.

Let's see if there are other banks which can come up with even better ones, then we Lemmings can jump ship