thanks for the hashtags , but the forum already indexing all the words from our postings

this is why, when we ask questions, it'd be best to write more details, and be specific.... instead of generic 1 liner question

when we reply also, write more details, with contexts and references, so that others like you and myself, can do a quick search easily using specific keywords.


p/s: write in full words/sentences instead of short gen-z/lay-z replies .... forum cannot search 2-letter words, must be at least 3 letters or more

This post has been edited by cybpsych: Nov 25 2023, 07:15 AM

current cycle RHB - Credit Card Everyday Deal

fyi

Agoda uses 2 differrent MCCs:

4722 Travel Agencies And Tour Operators
7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services

4722 Travel Agencies And Tour Operators
7922 Ticket Agencies And Theatrical Producers (Except Motion Pictures)

read the product features and t&c

if not suitable, don't bother accepting it

annual fee waiver, go read if got any automatic waiver condition. if not, ask banker to give guarantee it can be done in the future.

agents or bankers can promise anything without actual knowing how the product works. they want their commission and target. you are the one eventually liable to pay all the fees, eg sst, annual fee, etc

suggest you collect asap to avoid package lost (in the branch), stucked somewhere, etc

branch may return it back to HQ if uncollected for some time (may be up to each branch's discretion to return)

macam can be lower?

Premier Banking Services | RHB Malaysia

set/change pin?

RHB Shell Visa Credit Card | RHB Malaysia

anything outside of categories

why waste spending for OTHERS? no other cards meh?

sure can get cashback if using Jompay?

t&c clause 1.11

perhaps you can try yourself here...

not the only way

anything, product or services, within shell station eligible for shell cb.

spend more effort to find what you can buy using rhb-shell cc.

not all shell stations are the same.

no hinting needed. go ask any shell station what other services they offer besides those on the shelves.

more important to know is whether they accept credit cards for non-physical goods.

am existing rhb-shell cardholder

requested to apply new cc, submitted interest from rhb page (forgotten when, irrelevant )

note: if you submit from individual card product info page (form below the page), seems like nobody is monitoring it. I retried from https://www.rhbgroup.com/ApplyandSpendCard/index.html , gotten response from staff.

24 Jan (1:35pm) - rhb staff called me to check my intention to apply cc. reconfirmed email address. received necessary forms (KYC Form and Product Form) to fill.

24 Jan (3:56pm) - replied with signed forms and supporting documents (photocopy mykad, latest EPF Statements 2024 & 2023, latest 3 months payslips, latest 3 months salary bank statement with name and acct no) staff called back to verify submitted document details, etc

25 Jan - public holiday for Thaipusam

26 Jan (6:11am) - received welcome email. checked rhb portal, card already listed

27-28 Jan - weekends

30 Jan (6:28pm) - received call from branch that card not arrived yet.

31 Jan (4:02pm) - received call from branch to collect card.

1 Jan - KL FT Day

2 Jan - collected from branch, activated by set pin @ rhb app, 1st use must be using PIN.



This post has been edited by cybpsych: Feb 2 2024, 10:12 AM

you do know that each bank doesnt just look at what you have with that specific bank, but also YOU as an individual; that means all your other credit facilities will be taken into account too.

This post has been edited by cybpsych: Jan 26 2024, 10:49 AM

diff bank has different formula and criteria to assess your scoring and eligibility.

just because bank A gives you great CL doesnt provide you a guarantee of the same with other banks. heck, banks doesnt even share nor standardize their policies which is internal p&c.

this is also another reason why banks doesnt disclose the rejection reasons too.


min income requirements are just min req to apply but doesnt guarantee approval either; which most users thought they "for sure" can get the card if income (alone) meets the min requirements.

read back earlier posts from where you quoted above.

answers already there.