if i have income from house rental, which supporting document should i submit during credit card application?

Hi, anyone encounter this scenario before? I made a payment with my citibank card but the payment did not appear in my transaction history. 2 days have passed and still not updated. So I dont have to pay for what i paid?

hello everyone,
i wanna ask if im a freelance such as photographer or full time tutor with no payslip nor epf.
annual income is around 75k.

how to appky cc? thanks in advance for answering my question.

tax no. bank statement yes. most of the time use internet banking to pay bills and transfer to other investment vehicle.

Hey...I got a confusing problem here and hope someone could answer my question. I have a friend who's income less than 36k per annum. But she is able to apply for more than 2 cards from different issuing banks. Would like to know if it is possible.

I have a question on installment scheme using credit card.

From various threads/websites, i come across terms like:

EzyPay for Amex
Card Easy Payment for Aeon CC

For the above installment scheme, we need to call up the issuing bank and request for the paid amount to be converted to installments, am I right? Different banks will have different % interest charge or offer. And also, in this mechanism, the bank will pay the whole amount to the merchant first, and then we service the monthly installment to the bank.

If let's say a merchant (not bank) inform me that I can go for an easy payment plan with 0% interest regardless of the CC type or bank, does it mean the easy payment plan is offered by the merchant and not the bank? In other words, the merchant will charge my CC every month throughout the period. Is this possible? Why will the merchant want to suffer a loss ie. 0% interest and did not get the payment instantly?

Please shed some light, thanks

For my case, the price is fixed regardless of one time payment or epp, 0% interest, so the choice is obvious. From your description at paragraph 2, it means no matter what is the situation, the bank will pay the sum in one shot to the merchant, and then the bank claim the money from us monthly, am i right?

Hi guys, i'm new in credit card installment plan with maybank

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Does it means swipe my card with shop retail first for exact amount first. Later on call in into call center to convert the specific transaction into installment plan? Any T&C for such services? Any shop retails allowed by maybank?

The link is for EzyPay, where 0% instalment setup during transaction. It's dependent to the merchant that participate Maybank ezypay.

Ur notes below, is conversion to instalment after sales, called EzyPay Plus. There's additional fee of 9% p.a. Read thru the t&CS in website.

Meaning if the merchant doesnt offer EPP options 0% interest to maybank credit card user, but i call in call center to request EPP and maybank will charge me 9%?

hey guys, I just received my citibank shell credit card few days ago and today was my first swipe on it. I have pump for RM50 . But I have received sms said that I have use RM200? What happen thou

RM200 is the norm for Petrol Stations Merchants.

Hi guys, want to ask which card is more suitable for me to get cashback? I spend only RM200 monthly on petrol, no grocery etc. Don't really have other expenses....

I calculated if I get the maybank amex card, 5% cashback on weekends. RM200 x 5% = RM10 x 12 = RM120 - RM100 (service tax) = RM20

UOB card: RM200 x 5% = RM10 x 12 = RM120 - RM50 (service tax) = RM70 (but UOB cashback is only for BHP? )
Clearly UOB is a better choice compare to others right? Is there anything else that I need to know? 60 swipes to get annual fee waived isnt a problem I think, means I just need to pump petrol 5 times a month. I read before saying "uob set allocation of rm900k cb ", what does this mean? Is there any other better cards that will probably suit my needs?

Today I received a Caller ID Spoofing. It was a recorded message telling me that I have more than RM3K outstanding with RHB. I terminated the call immediately as I did not want to waste my time listening to it. Now, if you don't know what is Caller ID Spoofing, it's where a caller ID number that showed up on on a mobile phone having the a genuine telephone number (e.g. bank CS and even Police Station), but in actual fact, it's a fraud call.

You see, the number that showed up in my phone was 92068228 which is actually a RHB's official Customer Service contact number. I took the initiative to call RHB to report the fake call and was informed that since last Friday, many people have reported that they have been receiving similar fake calls. RHB personnel further informed me that besides them, many CIMB and AmBank customers have been experiencing the same fake calls.

This Caller ID Spoofing is now new, it has been happening for years.

So once again, I strongly suggest that all of you go read this thread - > Suspicious Telephone Calls on CC matters.

And also read my article titled Credit Card Fraud Calls.

wow i missed a call from that number just now. luckily was in the toilet 
went on to google the number so that at least i can get some idea of who's the one called. suddenly sampai tered ni pulak

I've been overseas since early of this year. So any activity regarding my credit card I am unable to check (as it is linked to my MIL's mobile number in Malaysia). Today when I tried to make payment via phone using my OCBC Titanum card to pay my Maxis RM10 bill, my card was declined. I have only realized that there are 2-3 transaction made online, cost btwn USD 200-300 at USA clothing retail shop 5 days ago. After that only they blocked my card. For that transaction it doesn't require 3D Secure.

And of course I have sent in the dispute declaration form. But it might take up to 128 days and if the dispute failed I'll have to pay for it. The thing is I wouldn't want to pay for it and its quite a big sum for me, like USD700? Plus I did not authorize that transaction (or that transaction didn't need any authorization!)

This is the first time I experienced credit card fraud. Anyone can tell me that if this dispute will be a success? I have been with OCBC with probably 3 years, good credit record, always pay my bill and no late payments. And I don't think I have ever did any retail shopping from US stores.

Please advise. I'm confused how did my credit card details got stolen and I'm pretty worried.

My TMC got fraud.    Haven't been really using since Nov 2013 except for the flash deals only.

Hi guys, anybody knows the procedure to file for a dispute? There is an unknown transaction this morning (~3am) and an sms has been triggered to me. I called the call
centre in the morning to block my card

The agent advised me to file the dispute if the merchant claimed the $$ as at the moment the transaction is still floating.

Question: Do I need to pay the transacted amount?

Thanks

mine too, happen on 7 sep, few transaction made but 2 got charged total USD 500, already submit dispute on 9 sep... tomorrow will call them to find out the status...

I just notice from my ocbc IB, it has shown replacement card number, but no one from ocbc contact me to collect my card... bloody service...

Hi guys, who ever owned OMT and has been upgrade to OMW before pls be careful, last  week when mine the already terminated OMT card been charged on midnight with USD I called CS the next morning to report regarding the mattter and the CS told me no need to worry and to need to do anything because it wont charge on me because I don't owned the card anymore(almost terminated 9 months already). Today I received the statement which is charged on me, and the old card number appear on the statement and OCBC charged as OLD CARD OUTSTANDING BALANCE.
This CS has bullS## , can i write to complaint to BNM? Need advice here..

My Titanium CC expired in End-August and OCBC sent the replacement card in July which I did not received. In Aug received an SMS from OCBC saying that a suspected fraudulant transaction has been stopped and after checking with CS they sent me a replacement card with a new number. This is the second fraudulant transaction on this card, the first of which I have to pay for the exchange difference.

My income is RM40k per annum.

Which credit card can give me 5% cash rebate or above.wit no minimum spending? OTHER THAN Uob one card.

Citibank cash back raise their requirement, need RM 60k per annum.

Hi guys, I would like to know is it safe to purchase Dell Laptops through Call by giving the CreditCards detail to them ? Will my data to be encrypted and not being stolen by the third party?

So is this consider standard way? I first time attempt this kind of the way of dealing.

Still need to pay RM50 GST next year