we can agree to disagree until someone from the bank confirm this

So what about those card centers. Would you choose to submit your application through booth instead of card centers?

i submit my application through fax/email/online form, and i still get my CC approved but i will not state that it is easier compared to other methods.


add: The reason i disagree on this is because there are booths with logo and all, but manned by agents, not bank staffs. We all know there are many cases of unethical agents and readers might get the wrong idea if there is a claim that approval is easier through booth.

This post has been edited by Human Nature: Jul 23 2014, 05:21 PM

then you have to be specific in your reply earlier, booth could be manned by agents

before your statement due date. statement is generated every month.

the interest rate kicks off once you made late payment with respect to your statement balance.

since you are a new user, a word of advice, always pay full statement amount before due date.

If they have stated it, i am still ok..but there was one time, a cashier at guardian pandai pandai said cannot...

Do you own the maybank 2 cards?

I suggest you to look at Public Bank Visa Signature as you are not really using the extra privileges for the other maybank cards.

only for the 1st 30 customers

it is not more than 2 different issuers, not cards.

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?

This post has been edited by Human Nature: Sep 7 2014, 01:06 AM

maybe try applying credit card from the bank that you are having your house loan with?

OT: you are working at which property in macau?

other bank cards do send the alert too...maybe you have not set your SMS alert with them

If you are looking solely for a petrol cashback card, you may have a look at Maybank Ikhwan card. UOB card has quota for its petrol cashback (this is what i understand from the UOB thread).

This post has been edited by Human Nature: Sep 12 2014, 08:26 PM

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

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

Do you receive a notification email from UOB payonline after you make a bill payment?

will be higher due to admin cost
https://forum.lowyat.net/topic/1845691

no idea on citibank's rate.

to give you some idea:

https://forum.lowyat.net/index.php?act=Sear...ghlite=citibank

My M2visa just got affected too. Interesting because most of the fraud cases belonged to Amex. May I know the name of the merchants?