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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 Jun 14 2015, 03:46 PM

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QUOTE(icewater @ Jun 14 2015, 02:45 PM)
I applied 2 or 3months ago in shopping centre
they sent the cc via norma mail only
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you may pretend to call to check whether your application still in process and mention that you don't want to proceed with it since they took too long time. they will say that your cc has already been sent to you according to their system record. then you may say perhaps the cc is lost in the post and would like them to terminate it at their end. they can't trace it since it's just by snail mail.
victorywp
post Jun 14 2015, 05:49 PM

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QUOTE(Human Nature @ Jun 14 2015, 05:21 PM)
No la, he might create more trouble by doing that. Since he has not activate and swipe anything, just call to terminate it.
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actually i mean the same like you = call to terminate it. just that give the reason as above lol... because if you let them know you already received the cc, they will keep persuading you to activate and use it.

This post has been edited by victorywp: Jun 14 2015, 05:52 PM
victorywp
post Jun 14 2015, 06:35 PM

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QUOTE(Human Nature @ Jun 14 2015, 05:53 PM)
haha later backfire, if say the card is lost, they say will send a new one.
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haha, that's why must tell them you already frustrated waiting for so long and still not received. so now you don't care whether it's lost or on the way, just don't resend again. hehe... then you can safely destroy the cc at your end. tongue.gif
victorywp
post Jun 22 2015, 07:42 PM

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QUOTE(Sunny zombie @ Jun 22 2015, 07:09 PM)
hi all,

i have maybank 2 cards

i barred the cards due to lost it, then i have fully paid the outstanding amount

so what will  happen to my treats point if i do not wish to replace the card?????
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treatpoints will burn of course.
victorywp
post Jun 23 2015, 08:01 AM

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QUOTE(Sunny zombie @ Jun 23 2015, 03:32 AM)
cry.gif  cry.gif  cry.gif  cry.gif  Can transfer it?
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you may try to call cs if you have other mbb cc to transfer to.
victorywp
post Jul 2 2015, 11:01 PM

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QUOTE(zaoldyeck @ Jul 2 2015, 10:09 PM)
Is Maybank2card gold is still the best card in terms of point rewards and enrich miles? I dont benefit from cashback cause monthly expense is not much. CC purpose is for installment plan
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yes, they still one of the best in terms of point rewards, which exchangeable for cash vouchers with up to 1.25% cash value.
victorywp
post Jul 12 2015, 09:06 PM

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QUOTE(richstars8818 @ Jul 12 2015, 08:39 PM)
I'd like to ask does the Islamic and Conventional credit cards shares combined limit or seperate limit?
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usually it's separate. at least for mbb, rhb,...
victorywp
post Jul 12 2015, 10:47 PM

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QUOTE(richstars8818 @ Jul 12 2015, 09:10 PM)
alright just curious because i have conventional now.. so that';s mean if i apply for another islamic from rhb i will get seperate limit right? not combined i mean..

so how rhb calculate for example? if conventional rm10k limit.. then islamic also 10k limit? btw it's same company right? what makes it to have seperate credit limit?
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yes, separate. my rhb conventional and islamic both have different credit limits. although it's the same bank but they are separate entities with different policies and ways.
victorywp
post Jul 13 2015, 08:50 AM

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QUOTE(richstars8818 @ Jul 13 2015, 08:31 AM)
is it the separate limit? let say rhb conventional 20k and islamic also 20k? or diff separate limit?
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yes, separate. 20k+20k.
victorywp
post Jul 16 2015, 03:29 PM

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QUOTE(Human Nature @ Jul 15 2015, 08:16 PM)
This crosses my mind. If annual fee and its GST are charged and we decide/proceed to cancel the card, do we still need to pay for the GST part?
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when we proceed to cancel the card, the af will be waived together with the gst i supposed.
victorywp
post Jul 19 2015, 12:02 AM

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QUOTE(Human Nature @ Jul 18 2015, 10:46 PM)
Aiyak..both cards also I dun have..
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use your pbb vs la. recently i posted lazada promo for pbb cc at pbb vs thread. rm30 off min rm150 spend. nod.gif
victorywp
post Jul 19 2015, 08:13 AM

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QUOTE(Human Nature @ Jul 19 2015, 12:16 AM)
the item that i wanna buy just RM45...at first thought can use the RHB code for -40..mana tau cannot  sad.gif
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lol... because you are trying to use zalora promo code for lazada? tongue.gif

anyway, buy a rm45 sandal at zalora la. laugh.gif
victorywp
post Aug 5 2015, 10:38 PM

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QUOTE(fruitie @ Aug 5 2015, 09:29 PM)
Talking about China people. My colleague who is a Chinese is working here and loves watching movies. So she was at GSC MV last weekend and there was HLB booth promoting their HLB GSC card. One of the guys approached her but noticed she's not a Malaysian straight told her she cannot have it. doh.gif

Too bad for the agent that walked off, she was interested actually and is having more than 120k annual income. Facepalm to that fellow. doh.gif
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inexperienced sales agent lor. should have asked second question whether your friend work here rather than just walked off. he must have thought your friend is a tourist in malaysia for visiting. lol. .
victorywp
post Aug 5 2015, 10:57 PM

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QUOTE(fruitie @ Aug 5 2015, 10:36 PM)
Actually no issue one la. She has MBB credit card as well. smile.gif
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wah, how you know his friend who worked in brunei has mbb cc as well?
victorywp
post Aug 11 2015, 08:04 AM

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QUOTE(alexanderclz @ Aug 11 2015, 06:28 AM)
dear sifus, just wanna ask. assuming my credit limit is rm8k. and i make an instant interbank transfer of rm2k to my cc. does it mean that i can swipe rm10k right away eventhough it's not updated yet in the outstanding balance? or have to wait till the next day?
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should be no problem to swipe rm10k right away (perhaps after few hours later safer). it's the same if you pay in advance via cdm, it won't show in your outstanding balance but already captured in their system.
victorywp
post Aug 18 2015, 01:13 PM

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QUOTE(Human Nature @ Aug 18 2015, 11:54 AM)
Need a confirmation about annual fee matter. IF it is has been reflected on the statement and I would like to terminate the card (no usage before hand), I do not need to pay the annual fee, right?
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yes, no need to pay if you requested to terminate your cc.
you won't be able to terminate your cc if the af is still chargeable since you need to clear all outstanding first.
victorywp
post Aug 18 2015, 04:10 PM

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QUOTE(Human Nature @ Aug 18 2015, 01:19 PM)
If that is the case, then how? catch 22 situation..if don't pay, cannot terminate...or by outstanding you mean other than the AF itself?
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if you choose to terminate, sure they will have to waive for you (both af and gst) and then cancel for you. if not, you also know the keyword = bnm. brows.gif
victorywp
post Aug 22 2015, 05:55 PM

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QUOTE(alexwsk @ Aug 22 2015, 05:13 PM)
imo, banks are more careful with sdn bhd compared to bhd, they somehow view bhd as more stable and possibility of one getting fired from a bhd is almost non existence sweat.gif
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if you are working in a subsidiary (sdn bhd) of a bhd also ok. anyway, actually it depends on the paid up capital of the company.

This post has been edited by victorywp: Aug 22 2015, 10:33 PM
victorywp
post Aug 22 2015, 10:40 PM

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QUOTE(Tumnus @ Aug 22 2015, 08:11 PM)
Much appreciate the reply guys, especially Alex.

The company that I am currently working for is a MNC company with a sdn bhd status. It is a very well known company within the Biotechnology & Pharmaceutical sector. I am well aware of the term requiring at least 3 months full payslip before applying for any credit cards. However, wish to try my luck anyways because I need them for my incoming trip.

I have not been entirely honest with you. I have actually been working for 1 year and a half at another company before. I actually started there as part of my industrial training or some would say practical in a 4 years engineering programme (MQA specified that the IT should be for at least 4 months). I started there in Jan 2014 and ended the IT in May. However, I am not sure what I did right, I was offered a permanent job in February, hence started getting the pay as an employee together with EPF + Socso. But the pay is only 2.5 K. I graduated in Sept 2014 and continued working with the company. I quit in July 2015, and joined this new company this 2015 August.

So I think I might as well apply using the payslip from the previous company combined together with this month's payslip. Is that a good move?

Sorry I did not search thoroughly the thread before. It is not that I do not want to, well (10% donwan cuz to many to read, wahhhh), 90% i do no where to look for haha.

Anyways, I am getting the CC as a sense of urgency for my trip. Again, many thanks for the reply. I will do my research on the cards that you had proposed.
Cheerio!
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ot: you just worked for 1.5year and your salary doubled from rm2.5k to rm4.9k? shocking.gif
some may not even earn this much after 10years of working experience upon degree graduation.
notworthy.gif
victorywp
post Sep 1 2015, 05:50 PM

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QUOTE(eric84cool @ Sep 1 2015, 05:06 PM)
Retail for shopping.
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shopping as in grocery or departmental?

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