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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq

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Gen-X
post Oct 30 2014, 11:55 AM

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QUOTE(Lineage @ Oct 30 2014, 10:12 AM)
I'm using Maybank2Cards, and I was thinking to use MACH as backup, not HLB Wise Card..  nod.gif
*
Bro, if you need a card for petrol and groceries, check out Maybank Islamic MasterCard Ikhwan Platinum or Gold Card where Grand Master Sifu MilesAndMore taught me about this card's fantastic 5%
cash back.

Edited - I just had to share the above mentioned cards to everyone, so created a new thread -

https://forum.lowyat.net/topic/3394127

This post has been edited by Gen-X: Oct 30 2014, 12:22 PM
PhakFuhZai
post Oct 30 2014, 01:03 PM

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Am wondering is this SC Cashback Gold Master offering any waiver for the annual fee?
According to the sales which approached me last time, she said that it can be waived, but no details are mentioned in the website

https://www.sc.com/my/credit-cards/goldcard/gold-card.html


cute_boboi
post Oct 30 2014, 03:24 PM

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Any CC promo new application that offer free big luggage now ? hmm.gif couple of months ago I think I saw Citibank but missed it.


PhakFuhZai
post Oct 30 2014, 03:27 PM

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QUOTE(cute_boboi @ Oct 30 2014, 03:24 PM)
Any CC promo new application that offer free big luggage now ?  hmm.gif  couple of months ago I think I saw Citibank but missed it.
*
HLB supplementary card

but I am not sure unsure.gif
Gen-X
post Oct 30 2014, 03:48 PM

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QUOTE(PhakFuhZai @ Oct 30 2014, 01:03 PM)
Am wondering is this SC Cashback Gold Master offering any waiver for the annual fee?
According to the sales which approached me last time, she said that it can be waived, but no details are mentioned in the website

https://www.sc.com/my/credit-cards/goldcard/gold-card.html
*
Go to SCB Thread, link below, many members can advise you on how to benefit from SCB. Last time many reported got cash back when they want to terminate their cards.

https://forum.lowyat.net/topic/2991135/+780

To ALL

Very soon I shall present to you Malaysia’s Best Top 10 Credit Cards - Ultimate Showdown 2015. And as a prelude to my Top 10 List of Best Credit Cards in Malaysia, I will now share with you a new special award, i.e. The Best Credit Card Issuer/Bank, and the winner is none other than the freaking generous Maybank.

user posted image

Click on the following links to read my past Credit Card Ultimate Showdowns and bring yourself up to speed before I present to you The Best Top 10 Credit Cards in Malaysia 2015:

Malaysia Top Ten Credit Cards Ultimate Showdown 2011
http://creditcardsmalaysia.blogspot.com/20...ltimate_16.html

The Best Top 10 Credit Cards in Malaysia – Ultimate Showdown 2012
http://generationsxyz.blogspot.com/2012/03...n-malaysia.html

Top 10 Best Credit Cards in Malaysia – Ultimate Showdown 2014
http://generationsxyz.blogspot.com/2013/10...n-malaysia.html
MilesAndMore
post Oct 31 2014, 01:21 AM

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QUOTE(Gen-X @ Oct 30 2014, 11:55 AM)
Bro, if you need a card for petrol and groceries, check out Maybank Islamic MasterCard Ikhwan Platinum or Gold Card where Grand Master Sifu MilesAndMore taught me about this card's fantastic 5%
cash back.

Edited - I just had to share the above mentioned cards to everyone, so created a new thread -

https://forum.lowyat.net/topic/3394127
*
Aiya paiseh sweat.gif Bro alexwsk, Human Nature etc. are the ones keeping this section active these days notworthy.gif

Anyway, i'm going to get this card soon. Probably going to cancel my Citibank Cash Back VISA Platinum as Maybank Islamic MasterCard Ikhwan also gives 5% for groceries besides petrol.

MGM
post Oct 31 2014, 06:18 AM

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Decision, decision. If comes 1-4-2015 and no more rm50 GovST, which are the cards to cut NOW b4 the card issuers charge this rm50 and annual fees?
For me, probably those hardly used cards and with high AF,like AMexPlatinum, RHB Platinum, CitiPremiermilesVS, AEON Gold, all due in the coming months.
Maybe will keep AEON Gold since AF & GST easily waived. The other 3 cards more for PPL access, maybe will reapply after 1-4-2015.

This post has been edited by MGM: Oct 31 2014, 06:27 AM
Lineage
post Oct 31 2014, 08:32 AM

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QUOTE(Gen-X @ Oct 30 2014, 11:55 AM)
Bro, if you need a card for petrol and groceries, check out Maybank Islamic MasterCard Ikhwan Platinum or Gold Card where Grand Master Sifu MilesAndMore taught me about this card's fantastic 5%
cash back.

Edited - I just had to share the above mentioned cards to everyone, so created a new thread -

https://forum.lowyat.net/topic/3394127
*
Erm..I dont want any more MBB card since I got MBB 2 Cards already..looking a backup card.. wink.gif
Gen-X
post Oct 31 2014, 09:27 AM

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QUOTE(MilesAndMore @ Oct 31 2014, 01:21 AM)
Aiya paiseh  sweat.gif  Bro alexwsk, Human Nature etc. are the ones keeping this section active these days  notworthy.gif

Anyway, i'm going to get this card soon. Probably going to cancel my Citibank Cash Back VISA Platinum as Maybank Islamic MasterCard Ikhwan also gives 5% for groceries besides petrol.
*
More importantly, with the MBB Islamic MC Ikhwan, you no need to go beg for annual fee waiver like Citibank CB Plat.

QUOTE(MGM @ Oct 31 2014, 06:18 AM)
Decision, decision. If comes 1-4-2015 and no more rm50 GovST, which are the cards to cut NOW b4 the card issuers charge this rm50 and annual fees?
For me, probably those hardly used cards and with high AF,like AMexPlatinum, RHB Platinum, CitiPremiermilesVS, AEON Gold, all due in the coming months.
Maybe will keep AEON Gold since AF & GST easily waived. The other 3 cards more for PPL access, maybe will reapply after 1-4-2015.
*
Bro, I see you collecting cards that grant FREE airport lounge access laugh.gif - no need tell me why as I can figure it out from your past posts.

Assuming you terminate the AMEX Plat, Citibank PRemierMiles VS and RHB Plat, that would save you RM150 which you can then go use at McD or other restaurants.

msa9696 reported back in July (see below spoiler) that Citi gave him a hard time when he requested for his Premier Miles annual fee to be waived.

» Click to show Spoiler - click again to hide... «

Schampoo
post Oct 31 2014, 09:31 AM

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Hi, can i know what credit card is the most easy to get approved?
i've been applying citibank clear, uob one, cimb card but all is unsuccessful

Been working for 1 year+ but dont have any loan, just asb loan
is it nowadays is hard to get cc? hmm.gif

This post has been edited by Schampoo: Oct 31 2014, 09:31 AM
MGM
post Oct 31 2014, 10:56 AM

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QUOTE(Gen-X @ Oct 31 2014, 09:27 AM)
Bro, I see you collecting cards that grant FREE airport lounge access  laugh.gif - no need tell me why as I can figure it out from your past posts.

Assuming you terminate the AMEX Plat, Citibank PRemierMiles VS and RHB Plat, that would save you RM150 which you can then go use at McD or other restaurants.

msa9696 reported back in July (see below spoiler) that Citi gave him a hard time when he requested for his Premier Miles annual fee to be waived.

» Click to show Spoiler - click again to hide... «

*
Bro, can't avoid your sharp eyes and youngman's memory, tongue.gif
It is more of the high AF that I am planning to swap those Cards that allow PPL access with new ones.
Yeah Citibank used to waive AF by just a call but looks like they are stopping this practice. And I doubt AF of RHB Platinum and AmexPlatinum can be waived without high spending. Maybe I will apply MBB VS & CitiPlatinum b4 cancelling the AmexPlatinum & CitiPMiles.
My only other card that allows PPL access is AEON GOLD. Looks like there is not much choice for cards with PPL access and free-for-life AF.
About time to read thru this again "Free Access to Airport Lounges with Credit Cards, KLIA, LCCT, Senai and Worldwide" and of course your blog too: http://generationsxyz.blogspot.com/2013/07...e-entry-to.html

This post has been edited by MGM: Oct 31 2014, 11:30 AM
mieza
post Oct 31 2014, 11:20 AM

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Hi i would like to ask general question..

I recieved an emel from paypal mention that i'm trying to make a payment? But actually i did not trying make any payment at all..!! What does it mean?

Thx..


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victorywp
post Oct 31 2014, 11:49 AM

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QUOTE(mieza @ Oct 31 2014, 11:20 AM)
Hi i would like to ask general question..

I recieved an emel from paypal mention that i'm trying to make a payment? But actually i did not trying make any payment at all..!! What does it mean?

Thx..
*
if you did not make any payment, just ignore that email.
Gen-X
post Oct 31 2014, 12:45 PM

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QUOTE(MGM @ Oct 31 2014, 10:56 AM)
Bro, can't avoid your sharp eyes and youngman's memory, tongue.gif 
It is more of the high AF that I am planning to swap those Cards that allow PPL access with new ones.
Yeah Citibank used to waive AF by just a call but looks like they are stopping this practice. And I doubt AF of RHB Platinum and AmexPlatinum can be waived without high spending. Maybe I will apply  MBB VS & CitiPlatinum b4 cancelling the AmexPlatinum & CitiPMiles.
My only other card that allows PPL access is AEON GOLD. Looks like there is not much choice for cards with PPL access and free-for-life AF. 
*
Bro, yeah get the MBB VS and issue 4 FREE supp cards for FREE PPL access thumbup.gif

You can also look into AMEX KrisFlyer, also got FREE PPL access and AF much lower.

And just call RHB, they might just waive your annual fee. Or you be like me, go sign up for RHB Premier Banking, deposit short term FD, apply the RHB Platinum via PB and your RHB Plat will be FREE FOR LIFE. No penalty whatsoever if AUM falls below "requirement". And you also get a Premier Debit Card that allows 4X FREE access to PPL but got to pay RM50 if don't meet auto debit or some spend RM5K with it. Click here to read my article Premier Priority Privilege Banking Cards I have use both my RHB Plat and Premier Debit Cards for FREE Entries to KLIA 2 including at Gateway which don't accept Priority Pass Membership Card.

QUOTE(mieza @ Oct 31 2014, 11:20 AM)
Hi i would like to ask general question..

I recieved an emel from paypal mention that i'm trying to make a payment? But actually i did not trying make any payment at all..!! What does it mean?

Thx..
*
Bro, I noted you mentioned in SMS thread you just got the MBB 2 Cards. To be on the kiasu side, call MBB CS and confirm if anyone tried to use your new card for the failed PayPal transaction as it will be shown in their system.
mieza
post Oct 31 2014, 01:09 PM

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QUOTE(Gen-X @ Oct 31 2014, 12:45 PM)
Bro, yeah get the MBB VS and issue 4 FREE supp cards for FREE PPL access  thumbup.gif

You can also look into AMEX KrisFlyer, also got FREE PPL access and AF much lower.

And just call RHB, they might just waive your annual fee. Or you be like me, go sign up for RHB Premier Banking, deposit short term FD, apply the RHB Platinum via PB and your RHB Plat will be FREE FOR LIFE. No penalty whatsoever if AUM falls below "requirement". And you also get a Premier Debit Card that allows 4X FREE access to PPL but got to pay RM50 if don't meet auto debit or some spend RM5K with it.  Click here to read my article Premier Priority Privilege Banking Cards I have use both my RHB Plat and Premier Debit Cards for FREE Entries to KLIA 2 including at Gateway which don't accept Priority Pass Membership Card.
Bro, I noted you mentioned in SMS thread you just got the MBB 2 Cards. To be on the kiasu side, call MBB CS and confirm if anyone tried to use your new card for the failed PayPal transaction as it will be shown in their system.
*
Noted.. Btw i did nov have mbb2card.. I hav mbb ikhwan amex n mastercard..
TSalexwsk
post Oct 31 2014, 05:02 PM

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QUOTE(MilesAndMore @ Oct 31 2014, 01:21 AM)
Aiya paiseh  sweat.gif  Bro alexwsk, Human Nature etc. are the ones keeping this section active these days  notworthy.gif

Anyway, i'm going to get this card soon. Probably going to cancel my Citibank Cash Back VISA Platinum as Maybank Islamic MasterCard Ikhwan also gives 5% for groceries besides petrol.
*
MilesAndMore, welcome, glad that can contribute something back
if not for the RM50 GST, i wud hv jump on the bandwagon as well, and many here incl me will be holding plenty of cards sweat.gif
Human Nature
post Oct 31 2014, 06:08 PM

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Yeah, same here. I am holding back on getting new cards. This is one of the most useful thread in lowyat for me, another one is the FD thread smile.gif
PeacefulDiscord
post Oct 31 2014, 06:50 PM

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Hey all,

Thought someone over here could help me out. I am an expat working in the IT industry here in KL. Have a work permit for 2 years and I recently tried applying for a credit card with Maybank. I fulfilled all their requirements and have a clean record with CTOS and CCRIS. I have also been a Maybank customer for 6 years (ever since I was a student here in Malaysia).

However, my application was rejected and the bank wouldn't tell me why. I was a bit confused and shocked as I fulfilled everything they asked for and my documentation was legit and complete.

I was just wondering if anyone would know why the bank would reject me for the card?

I have a friend who works at a bank here in Malaysia and he said that BNM recently implemented a ruling that foreigners need to be earning RM120k per annum to be eligible for any credit cards. Anyone knows if that is true?

My current annual income is RM60k and I was applying for the Maybank 2 Card Gold which only requires an annual income of RM30k.

Any help would be appreciated smile.gif
kwokwah
post Oct 31 2014, 09:19 PM

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Pledge FD may help to get a credit card.
Lineage
post Oct 31 2014, 10:07 PM

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QUOTE(kwokwah @ Oct 31 2014, 09:19 PM)
Pledge FD may help to get a credit card.
*
I got ask my friend who working UOB..If got FD with the bank, credit card easy approve or will get higher CL..he said same only..but FD do help in house loan.. hmm.gif

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