few months back, i book Agoda by choosing RM, and get charged directly in RM.. while choosing USD will be charged in USD.. as shown below:

I just charged my Amex and Visa for USD on the same day.. Visa charged about 1% while Amex charged about 3%..

Amex charged: USD 1 = RM 3.10


Visa charged: USD 1 = RM 3.06



you can use Visa Exchange link below to get rough calculation of the exchange rate of the day:

http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp

i make paypal transaction in this week and got declined.. then i called maybank and they told me, maybank will always block paypal transaction and user need to call to allow it for specific time.. so i believe you need to call maybank first before doing any paypal transaction..

yes, always see you reply these paypal question with this.. but looks like only you have this privilige by maybank, and i dont know why.. i believe all newbies will have to face this new policy by maybank to control online activites especially using paypal..

make 1 call to maybank cs and told them to set it for all of your maybank card

usually we take 200TP = RM1
so, 10000TP = RM50
then 370000/200 = RM1850

mine is reverse.. i applied Maybank2card Plat first then get the Petronas Plat.. i think it is no problem to add another card, because it will share credit limit..

you cannot change the card, it is different package.. the best thing you can do is, apply the Maybank2card.. after approved, go cancel your old Petronas card..

if you too calculative with your GST, apply the Maybank2card one month before Petronas card anniversary, then cancel Petronas card before the GST kick in..

my advice, if you can foresee your spending will be rm2k using Amex, just straightaway apply the Maybank2card and dump the Petronas card.. you can easily use TP to pay the GST on new card..

I have show several way to pay the gst.. if you want continue feeling not syiok pay new card gst, try to think the weekend rebate upto rm50 and 5x TP you lose while using the Petronas card.. just one time feeling, something to sacrifice for the greater good..

yes, CS is the place to check everything.. actually, it is the best to call CS for any question and enquiry especially problem you face.. this forum is for member sharing experience only..

usually i will set schedule payment on payment date, whenever i got my statement.. so no worries when the time come, just need to make sure the money is enough in the account.. and yes, it is free..

yess, that is better.. can remind if insufficient fund

i kena before, insufficient fund.. there is no surcharge, but sure there is charge in CC later for late payment

what merchant you swipe the card? from what i found in this thread, Dell & Agoda didnt process their CC payment on weekend, so you will never got 5% cashback if use on this 2 website..

cashback you will get on weekend spend, for sure you will get.. but it will fall in which month, this you need to take care.. you use card on Sunday 30/6, but Maybank still not acknowledged the payment until Merchant processed your payment.. Your time using the card is called TRANSACTION DATE while the time merchant processed your payment is called POSTING DATE.. if you have experience paying Hotel using credit card, you will familiar with this system.. the first time you arrive in Hotel to check in, Hotel will swipe you card for deposit only.. this is TRANSACTION DATE, but Hotel will never processed it.. until you check out, then Hotel will once again swipe your card for full payment and this is also TRANSACTION DATE.. but Hotel will processed your full payment only, during check out which fall under POSTING DATE then only Maybank system will acknowledged it and appear in your statement.. your first swipe during check in for deposit will not be processed by Hotel and not appear in your statement..

You use card on 30/6 but maybe merchant will processed it on 1/7.. Maybank system will collect all your weekend use of the card on 30/6, only if the merchant processed it.. when merchant processed it on 1/7, Maybank system will still capture it as cash rebate, but put it under July spend, since they already processed the June cashback and reimbursed to user.. anyway, this is my assumption based on forumer experience here..

while Dell & Agoda, they are online merchant.. probably their system only collect all your payment details during weekend, and then some human being will double check and approve the transaction AKA swipe your card on weekdays.. if you can see the TRANSACTION DATE fall on weekdays, then you can complaint to Maybank to get your cashback..

just get back from the fair.. usually i will bring back at least some maybank merchandise like tshirt or bag.. but this time maybank promo superman and man utd stuff only.. so not really interested..

i went for 3pm auction to test myluck maybe can get stuff below market price during auction.. but hot stuff like Note 8, Ipad Mini and PS3 were bid above their RRP.. for example ipad mini price is rm1k, so the point should be 200k.. the bidder go until 240k to get it.. well, since it is charity bid, maybe the bidder dont care pay a bit more.. with this i cancel plan to go for next session auction..

in the end, just get a cup of free coffee from Premier Lounge.. the Q quite long since they limit to 30 person only per time.. but if you just want a cup of coffee without sitting in the lounge, just ask for the Lounge Staff and they will give you without queueing..

some drill for motivation

done in 1 hour is for new card application.. credit limit application is different, maybe need to wait 1 week..

why you need to increase credit limit? if you need it for limited time like holiday oversea, you can request temporary increase limit.. this one easier to get approval but need to wait 1 week too..

the only way is through Maybank2u transaction history. but, some transaction 2-3 days before might still not appear yet in the transaction history.

how do you know they charge you 3 times? if you saw it from your maybank2u, just print that page.

since you receive the sms alert, do you call maybank to suspend the transaction? since it is from apple singapore, it may be online sale.. maybe maybank or you self can contact apple and file report to apple too.. and later maybe apple can provide info about the buyer who using your card..

Harvey Norman RM50 Cash Voucher

basically, all rm50 voucher now need 12500 TP

Shopping Vouchers list

to give you answer, please provide this info:
1. what is you credit card full name (eg: maybank2card, visa petronas, american express)
2. is your purchase made in weekend means saturday and sunday