Guys, is it 1st credit card of applicants will not get charged on the Goverment Service Tax RM50?

Cause I heard from my siblings said something like 1st credit card can claim back the GST from somewhere else...

Ohh okay, cause my siblings told me "actually 1st credit card the government tax is refundable" or something like that, so I thought like government encourage us to have 1 credit card or something like that...and I have been paying it for 1 year for my only credit card 

I think it should be 24x7, especially if it is an international 1300/1800 number. If I'm purchasing something online or I'm overseas, the full CS support must be there, even if they are in different time zone.

In a situation like below:

1- Went to a handphone shop, swiped my PBB credit card, intended to make the transaction into 6 months instalment, however the sales assistant made a mistake when operating the CC terminal

2- the transaction went through, I received a call and SMS from PBB, however, the receipt did not came out from the shop's CC terminal

3- merchant bank is the same as my card issuer bank (PBB), they have called PBB requested to cancel the transaction, they claimed that cancellation  has been done from PBB operator end

4- I called PBB separately to double verify, but the transaction is still in pending

5- Shop said they were unable to cancel the transaction from their terminal, they showed me all the CC transactions made today, my card wasn't listed, according to them, they can't make the settlement for my transaction

6-  According to PBB, the transaction will be cancelled if the mercant has not made settlement within 10 working days

7- Shop issued me a memo detailing the situation, they will follow up with bank the next day. So, card swiped but cannot take the phone back home

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anyone here had a similar situation before? I encountered one time before but the shop was able to cancel the transaction, but not this time.

anyway, can the shop proceed to make settlement without a signed receipt?

will the transaction be posted to statement when the transaction is still pending?

the ambiguity part is: can they make settlement under this condition?

Let say my statement amount is rm1500.
due date 2 July
can i pay rm 500 at 15 Jun and then pay another rm1000 at 1 july?

means i separate the amount within the interest free period, in total the bank should also received rm1500 which is the statement amount before the due date.

just want to confirm if they will treat the first rm500 payment as i paid the minimum balance and proceed to charge me finiancial interest?

Noob question: How to identify MCC code of a shop/terminal?   

Actually kinda make sense too although it will eat into your effective % of maybank2card.

MBB2: for every year: RM12000 spending gives u RM600 cash back + 60000TP - 10000TP for GST
MBB Ikhwan: for every year: RM12000 spending gives u RM600 cash back + 12000 TP - 10000TP for GST

Total benefit p.a. for RM24000 spending is RM12000 + 52000 TP

Assuming we get RM50 for 12500 TP, e.g. petrol voucher: 52000 TP will give you RM200 + 2000TP

Effective cashback = RM1200 + RM200 = RM1400 (5.8333%)
compare with PBB Visa signature and HLB wise... close fight

For Visa/Mastercard, What's the interest rate charges
incurred for not paying the full amount owed?

Owh I thought it is set by Bank Negara 

hi all, can i use my credit card to pay off my wife personal loan over the bank counter? (different bank) i dont want to bring cash. thank you.

oh.. they dont have swipe terminal? i thought can use like we swipe at shop. ;(

how about debit card?

the reason i plan to use credit card or debit card, i dont want to bring cash along with with me + i can have treats points as well

Is it a norm for you to disclose your payslips to the banks in your credit card application? I understand they are bound by confidentiality but my contract clearly states that my salary should not be revealed to third parties... Any thoughts or experiences?

did any one realize that SC CC charge 0.8% for each paypall transactions?

Not kind of company, i apply from branch, they told me. it is a must now.

I applying for maybank2card plat.

Dear sifu, would like to ask one question.

Does having many credit cards affect the amount of max personal loan bank will approve?

Example: John has 2 credit cards with limit of 10k each (but no outstanding amount). When John apply personal loan his bank will only approve 20k.

If John cancel 1 credit card, does the bank will approve for 30k instead?

Hope someone can answer this. Thank you...

Thank you very much for detailed explaination

Can I know where you get this info?

credits to cybpsych for making the 1st step to call CS.

And now black and white confirmation:

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 

Last but not least. two members at LYN going by usernames Human Nature and cybpsych by  did seek clarification with Maybank and was informed that the new RM100 GST is only applied to those who applied on or after 9 July 2014. Well, please take the time to report here if this is the case, i.e. you are still being credited RM50 (to offset GST) into your AMEX account where your card anniversary date falls after 9 July 2014.

Hey guys, just realized that credit card is a complicated stuff! So my objective is to get cashback on petrol pumping. I don't have the requirement for platinum card yet so here are my choices after some research:

1. maybank 2 gold card. The porblem with this is the RM100 GST charges. I probably spend RM200 petrol/mth, and only weekend can get 5% quite troublesome. (just breakeven!)

2. HSBC?? . This one also.. only 5% weekends..

Any better suggestion?  I used to remember last time 5% daily, everyday. 

But the 900k monthly quota set by UOB usually runs out by the 15th of every month....so the card is pretty much useless for the later part of the month !