actually it will reduce the amount of your loans eligibility whenever a credit limit is given to each of your card (although you have not fully utilise it). credit limit will be viewed as a type of loan because there are chances that one day one will fully utilise all their cc's cl when they are in need of money.

I call PBB to apply for a credit card. I fill in the form, submitted, but nothing on my end (no confirmation). I sent an email this morning asking about the status, they CS said need to submit my IC and EPF statement.

I call again just now, CS said need to submit the download the form (?), IC and EPF statement. I don't know which form CS mentioned about, I just filled in the normal online form.

Lack of feedback or respond made me wonder of sending my IC and EPF statement to their email address. Just worried.

Any thought?

now my maybankard amex is approved, then i realize actually many of my usual online payment thing cannot swipe online or not accepted.

1. my etiqa cannot do monthly premium payment? only pay yearly? (read from somewhere)

2. my internet is not glorified uinifi so might not accept amex as well(still inquiring)

3. my maxis bill auto debit did not really maximise the weekend 5% because it never falls on saturday(maybe 2.85% according to some LYNer). now i have to request monthly and wait for call back from maxis to process the payment by amex.

all others are ok but still, the above were my monthly commitments i used to pay swiftly via maybank2u...i can still do so but it defeated the purpose of me applying MB2G then....lol.

lol, means my amex card only for weekend dining,groceries and petrol...which about RM400-500...usually i can only reach around RM1k of CC usage in total.

then i of course i need to divert my insurance(GE, internet bill-if cannot use amex) and other weekdays usage to another card. I initially wanted to get watami(have not apply yet) because of the 3% cash back, but now seems i need to reach RM1000/month at least to accumulate the quarterly cash back, i hesitated.....because with petrol and groceries already put into amex card, i can't reach RM1000(only occasionally when i go on some shopping spree, which is not much).....

please shed me some lights, do i still proceed with watami card, or is there another card to compensate the spending that amex card cannot be used? or just stick to the MB2G and use mastercard for the pity 1TP.

Hmm i do actually have a alliance visa gold given by the bank with my house loan which give me 0.85%-1.3% (depending on different tier) cash back and timeless bonus. Maybe i can keep this card for weekdays and unable to use amex.

The hardcopy form for a newspaper subscription requires credit card no, expiry date and CVC no.

I informed the company (a reputable company) that I do not wish to state my CVC no. and the company said okay, just the card no and expiry date will do. No signature is required on the form either.

I am wondering, can the company charged my credit card with just these 2 information? And if it is indeed possible, am I exposing myself to unauthorized transactions in future?

Not Sure with Newspaper Subscription...
But 100% Confirm with Reader's Digest They only Need Your Cardmember Name, Card no. (visa/ Mastercard) Card Expiry Date Fill-in the (Payment Advice Slip) to Process the Subscription (Order).
If U Choose Pay by Installment  they auto-deduct from Your Credit/ Debit Card Account monthly, so far No Problem on Me, Nothing Bad Happened yet

my wife manage to buy something through public bank 0% 12 months installment by just giving her name, IC, card # and expiry date over the phone

yes, the danger is there, anyone unethical can charge your card with these info, but you can always dispute it

I just signed up for a credit card at a shopping mall and realised that the terms are not exactly as what the promoter mentioned. I called to get her to cancel but she has been ignoring ever since.

If the new credit card arrive, can I just don't activate the card, cut and dispose it? Will it affect anything (i.e. in terms of annual fee etc..)?

Hi all,

Quick question, I currently have a Maybank classic mastercard, been using since I've started working.

now that my pay is >30k per annum, should I upgrade it to a gold card? What are the benefits of a gold card compared to a classic apart from the limit?

In a situation like below:

Public Bank Credit Card is expiring in September this year. I wanted to stop using it after it expires, switching to maybank.

1.) Should i do anything to cancel the card? Wanted to have 1 Maybank CC only.

We are pleased to inform that those Maybankard 2 Card issued before 9 July 2014 is not affected and still enjoy the Service Tax RM50 for Maybankard 2 Card (principal).

Bro, reread your quote - it says RM50 for Maybankard 2 Card. Not Cards. Just kidding with you 
Maybank does have the rights to change any clause anytime. However, I think they need to give us Notice like they previously did when they revised the 5X TP to 2X TP for Education, Insurance and Government Agencies. But then again. we were not given Notice when they inflated Treats Points for redeeming stuff.

Anyway, if you got time to waste, click here to my article Maybankard 2 Cards GST Is Now RM100. Mentioned both Human Nature and cybpsych initiatives to inform existing cardholders of the good news 

nice article again as always... 

let me quote your article on your credits part to cybpsych and Human Nature.

hye ~

I apply Alliance bank credit card. But during fill up the form I mistakenly tick 2 cards which is Gold card and Younique card. My question is. which one is better?? GOLD card OR YOUNIQUE card? I only need one card. Currently received 2cards.

Thanks in advance.

there's a certain target to achieve from booth sales, so its easier to get approval unless you really not qualified. think in this way, if a bank pays to rent a booth at a shopping mall and hire salesperson to push their cc, but from those submission they reject most of them just because of small/tiny issues, so does it worth the marketing expenses?

yeah, but it arrives in a stack from booth sales not in a single form from the branch. 

mine got rejected from bank (CIMB)  but approved from booth.. (OCBC)