18% p.a is equals to 1.5% monthly interest.
rm2,000 become rm3,000 means 50% interest.
that would be loan shark interest!

oh i see... so how to do it? pay via the counter of ptg? and/or via online?

in previous years i paid my assessment bills via counters at mbmb and mbsa with cc.
but for quit rent, i checked the back of the paper statement doesn't state that payment using cc is available as an option.
so all the while i just paid together with my assessment bills but have to use cash because pejabat tanah dan galian melaka and pejabat tanah dan galian selangor are not related to mbmb/mbsa.
anyway, quit rent is smaller amount than assessment.

This post has been edited by victorywp: Jan 7 2014, 09:42 AM

so quit rent still can't be done online? like assessment bill of shah alam can be paid via mbsa website (visa/master) or via m2u (amex)...

your m2u method means using casa only right?
that means if really kiasu to use cc to pay for quit rent have to go all the way to ptg counter.

you try and see... bcs we were unable to...

means not m2u right?

did you take any loan(s) before?
if no loans and no cc before, they can't track your payment records.

ptptn loan is not counted as it will not be shown in ccris...

you are right. as for the cash back (if any) is just a bonus for us users.

actually someone suggested that we should request more than rm50, for example rm100 or rm150, because a mere rm50 does not benefit us as it goes straight to the gst.
and that person actually did receive rm100 or rm150 from the bank (standchart if not mistaken).

just call and ask for it, saying that you are loyal user of the card with huge transaction records and with prompt payment (they can verify from their system).

some banks are easy and will absorb the gst for you. for eg, credit a rm50 into your account to offset it or give you certain amount of points for you to redeem the gst.

but some banks won't absorb it for you. they will always reject your request, even if you threaten to cancel your card.

yes, for f&b and shopping, amex should be your first choice. 5%+2% for weekend or 2% for weekdays. second choice would be aeon watami 3% everyday for everything with minimum quarterly expenses of rm3k (except for petrol) max cash rebate capped per quarter rm150.

use the format and post here: https://forum.lowyat.net/topic/2979093

try any local banks will do. why do you aim for ambank cc? perhaps can try mbb2cards?

easier to apply is one thing but the features/benefits of the cc should be the priority. i suggested for mbb2cards as it is a very good cc.

for hlb wise 10%:
1) need to swipe >rm50 for min 10x in a month to qualify for the 10%
2) only 2 categories + mobile are eligible for the 10%
3) high annual fees starting second year (unwaivable - but some said can)

for uob one 5%:
1) max rm500 for petrol which is rm25 cash rebate
2) some categories are 2% and others 0.3%
3) need to swipe 60x to waive annual fee of rm68 for classic; need to swipe rm36k or rm60k to waive annual fee of rm168 for platinum (able to waive by calling the cs but depends on individual)

for mbb2cards 5% amex:
1) free for life on annual fees
2) weekends 5% on all category (provided if the merchant accept amex) + 5x points (equivalent to 2%)
3) weekdays earn 5x points (equivalent to 2%)

if compare the 3 cc, mbb2cards should be the easiest to get.
and with annual income of rm30k can get already.

annual income based on gross (just provide prove like ea form or salary slips).
if you have been rejected by other banks before, don't worry, because different banks have different standard of evaluation.
just try to submit but not too many in a period of time. if you keep getting rejected, the banks will feel your desperation in getting a cc which is no good for you.

you mean you have just applied for mbb2cards already? all the best to you!

that's good. ambank should be easy to get approved too. but i don't see much benefits from ambank cc.

maybe you can try to do balance transfer from another bank to pay off your current cc outstanding.