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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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victorywp
post Mar 29 2015, 09:32 PM

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QUOTE(victorywp @ Mar 28 2015, 03:24 AM)
1) if my fd is done in m2u (no home branch) so cannot?
2) how to get the experienced exec to work out? some staff just  said there is no such thing.
3) what's the purpose of giving us the offer letter and then to pass back to mbb? why can't they just process it straight away?
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kinabalu recently you just only pledged fd to get your mbb2premier right? any advice?
victorywp
post Mar 30 2015, 01:34 AM

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QUOTE(Human Nature @ Mar 30 2015, 01:06 AM)
Any CC having promotion with Expedia?
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cc i don't know. but if not mistaken, shopback has expedia in the list. not so sure, need to double check.
victorywp
post Mar 30 2015, 09:03 PM

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QUOTE(Wongchoy @ Mar 30 2015, 08:52 PM)
Sorry for the late reply. With regard to your question, the application can only be made at FD home branch. M2U based or FD from other branch are not accepted. Q2 When u are at the branch, you tell the exec that you want to pledge FD for CC and ask him/her what is the minimum required amount. If he/she can answer this question then he got the necessary experience. Some exec will think really hard, some will even ask his colleague, some won't answer your question. So in that case you have met an inexperience exec. Q3 This letter of offer serves two purposes. One, to inform you about the application is successful. Two, to serve as an agreement on the further T&C imposed on the applicant.
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thanks for your reply. meaning that after receiving the letter, i need to pass the letter to the branch where i apply the cc and go home? then after 3-4 days go back there to collect the cc?
victorywp
post Mar 30 2015, 09:08 PM

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QUOTE(Wongchoy @ Mar 30 2015, 09:06 PM)
You can fax it to MBB too.
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i see, and do they have the option of sending the cc by courier? or must be collected at the branch?
victorywp
post Mar 30 2015, 09:29 PM

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QUOTE(Wongchoy @ Mar 30 2015, 09:11 PM)
The choice is yours  biggrin.gif
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i see... means after the application, don't have to go back to the branch again. can just fax the letter and then they send the cc to the address provided by courier, right? icon_rolleyes.gif
victorywp
post Mar 30 2015, 09:49 PM

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QUOTE(Wongchoy @ Mar 30 2015, 09:32 PM)
Stamp duty is RM10.
Yes you are right  icon_rolleyes.gif
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thanks, final question.
stamp duty rm10 is all that need to pay right?
oops, need to pay 6% gst for stamp duty also right?
victorywp
post Apr 2 2015, 02:23 AM

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QUOTE(popopi @ Apr 1 2015, 09:51 PM)
Hi,

I am new to M2U treat points.
I had found out that we can only claim the treats points via call center or send mail or go to the designated card center...

Question: IS there any method beside above 3 stated??? more direct. Can I claim just thru online???

Thanks and please advice.
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redeem via online need more tp. can try to redeem at ots merchants like parkson, mydin, etc.
victorywp
post Apr 8 2015, 02:47 PM

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QUOTE(SpaThuGz @ Apr 8 2015, 02:25 PM)
I've been working for 5 years, my basic pay is RM600 but my fixed income(basic+allowance etc) monthly is RM 2500. Only now I'm thinking of applying for credit card, am I eligible?
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yes, why not? start to apply at the same bank where your salary is credited. chances is always higher. nod.gif
victorywp
post Apr 9 2015, 10:16 PM

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QUOTE(pisces88 @ Apr 9 2015, 10:06 PM)
which card has more than 0.6% unlimited cash back on retail spendings?

stupid OCBC revised rate to 0.1% cash-back. zz
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hlb essential
victorywp
post Apr 9 2015, 10:45 PM

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QUOTE(nubJeff @ Apr 9 2015, 10:36 PM)
Hi all, currently which credit card you all using for petrol?
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uob one... any better cc? tongue.gif

long time no see, by the way... biggrin.gif
victorywp
post Apr 13 2015, 10:46 AM

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QUOTE(Catmama @ Apr 13 2015, 09:43 AM)
Hi guys, anyone from the bank credit card dept can answer my question below??

Just want to know if a person with very bad CCRIS & CTOS record applying to another person supp card, will that be any issue?

My friend is currently helping her hubby to apply a supp card from PBB (She is the principle, no bad record), the agent told her the card still in progress and will go thru CCRIS checking.....

Not sure the CCRIS checking will be checking the principle or the one supp the card???
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principal only, supp card not affected.
victorywp
post Apr 27 2015, 10:34 PM

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QUOTE(Bonescythe @ Apr 27 2015, 05:29 PM)
Recently with no gst... looks worth to get more card to use and activate and get freebies..
I had so far pledge fd for maybank n hong leong bank for credit card.. both of the bank charge me rm10 for stamping.

so lately got public bank promo.. free phone n watch n so on..

So i went to get freebies again by placing some fd to get card again..

to my shock.. public bank say the fee is not rm10 stamping.. it is 5% of the total limit..
if u want place 10k, then charge 5% as stamp duty, which is rm50 and on top of that, need to make a banker cheque for dunno wad reason and charge rm5.xx

I was like... waddaffffd ????

Anyone encounter this same thing with this kiam aap bank ????
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for pbb it's 0.5% of fd value. or they called it rm5 for every 1k fd.
victorywp
post Apr 28 2015, 09:30 AM

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QUOTE(Bonescythe @ Apr 27 2015, 11:01 PM)
No more such ruling already.

it is 1 to 1 already now.
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1 to 1 stamp duty??? blink.gif shocking.gif
victorywp
post May 4 2015, 09:49 PM

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QUOTE(saori.ikuko @ May 4 2015, 09:01 PM)
Needed help and guidance in regards to this confusing event: I was charged RM50 as a service tax for the year 2015. After reading a few of the posts here with link back to TheStar's news, I came to a conclusion that I don't have to pay them.

Called the bank and they said my registration date was dated before 1st of April hence I have to pay it. Is this true?
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yes, the rm50 gst was still applicable before 1st april.
victorywp
post May 7 2015, 03:49 PM

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QUOTE(doremon @ May 7 2015, 03:40 PM)
Hi guys. Just to check with you guys

Alliance Bank You:nique credit card

Worth to apply ?
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tier based, not that worth.
victorywp
post May 8 2015, 08:28 PM

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i lost one of my "less use" cc recently. i only realised it many days after and when i checked online, already have many petrol transactions at different petrol stations on my unbilled transaction.

i didn't set sms notification to rm1 for this cc because i thought of cancelling it soon. now the cc had been blocked and all those illegal transactions will be disputed soon.

1) anyone here faced/heard of this type of situation before?
2) is a police report necessary or the bank itself will take necessary action?
3) will they check on the cctv to view on the car(s) number plates, investigate and take action against the owner(s)?
4) can i choose not to pay for those transactions (but it was me who lost the cc in the first place)?
5) anybody knows any successful case that the victim don't have to pay (no matter whether the illegal user(s) was caught or not)?

icon_question.gif

This post has been edited by victorywp: May 8 2015, 09:47 PM
victorywp
post May 8 2015, 10:38 PM

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QUOTE(cappuccino vs latte @ May 8 2015, 09:40 PM)
I think that is hard to dispute if you lost the card and didn't report to bank immediate after.

The most you need to settle is RM250 for lodged dispute cases.
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means? i need to pay rm250 the most?
victorywp
post May 18 2015, 11:49 AM

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QUOTE(Bahnhofstrasse @ May 18 2015, 11:19 AM)
Hi guys,
i am thinking of cancelling my stanchart credit card. However, this is the only card at the moment in my wallet which can pay IWK and cukai tanah Selangor and majlis perbandaran Nilai online?

Anyone know other credit cards which i can pay online to these 3 merchants? Please don't suggest M2U or Cimbclicks. these 2 sites only allow direct transfer from savings or current account.

i want to make payment from credit card, not savings account online!!!
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have you tried ocbc? at least for iwk.

QUOTE(cempedaklife @ May 13 2015, 01:19 AM)
i use ocbc credit card using ocbc online

http://www.iwk.com.my/v/customer/sewerage-bill-payment
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This post has been edited by victorywp: May 18 2015, 11:57 AM
victorywp
post May 22 2015, 08:42 AM

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QUOTE(wesleyyim83 @ May 22 2015, 08:29 AM)
The sales staff call and say sorry to me, she said that she need to hit sales.... bla bla bla...... and say I'm existing cm, she can't get comm, she admit is her fault, but the tone like not so good, and I'm busy with my job that time, ask her to call back later, but never. What should I do?
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you mean she pleaded you to accept the wise gold for her to hit her sales?
victorywp
post May 26 2015, 11:58 AM

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QUOTE(MohdPuskas @ May 26 2015, 11:33 AM)
guys, i got 3 credit card, which one have better reward ? i decide to use 1 only as daily use, the other 2 to keep my debt via balance transfer

Maybank Ikhwan, Ocbc Platinum & Uob One Card
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use uob one then...
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