LATEST UPDATE: Interest rates/fees increased to 18% on outstanding balance (for most banks)

Proceed from v17: http://forum.lowyat.net/topic/2243367

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

A. Some latest shortened cc thread links to refer easily: contributed by victorywp & alexwsk
AEON v3 http://lowy.at/aeon3
Alliance v1 http://lowy.at/abm1
AM Bank v1 http://lowy.at/amm1
AmEx v3 http://lowy.at/amex3
CIMB v3 http://lowy.at/cimb3
Citibank v4 http://lowy.at/citi4
HLB Wise v6 http://lowy.at/hlb6
HSBC v2 http://lowy.at/hsbc2
MBB2Cards v15 http://lowy.at/mbb15
MBB Islamic V2 http://lowy.at/mbbi2
OCBC v5 http://lowy.at/ocbc5
PBBVS v2 http://lowy.at/pbb2
RHB v1 http://lowy.at/rhb1
StanChart v3 http://lowy.at/scb3
UOB v4 http://lowy.at/uob4
others:
Balance Transfer v3 http://lowy.at/bt3
Debit Card v3 http://lowy.at/dc3
TnG v3 http://lowy.at/tng3

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required


4. Credit Card linked to Petrol
- OCBC Titanium MasterCard; all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum; all petrol stations = 5% cash back
- UOB; BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank; SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic; PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic; PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA; ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money; all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz; all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: http://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1; 13.5% p.a.
Tier 2; 16% p.a.
Tier 3; 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal + 5% advance cash withdrawal fees
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here
Sample calculator from AKPK

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM200k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - http://forum.lowyat.net/topic/1724607

8. International Transactions - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees


11. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :


12. Balance Transfer - http://forum.lowyat.net/topic/3354596

13. RM50 Government Service Tax - NO LONGER IN FORCE from 01/04/2015

14. Airport Lounge Access - http://forum.lowyat.net/topic/1791878

15. Previous versions


16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx

17. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
My Credit Cards - by Gen-X
Credit card tutorial by Gen-X
Free financial tuition by Gen-X
The Best Top 10 Credit Card - Ultimate Showdown 2014 by Gen-X


20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - 3 years (effective from 1st August 2013)
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - Pending reward system update
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years
12) EON Bank - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) Maybank Visa Infinite - Min Income Requirement : RM 240k
6) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
7) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
8) RHB Visa Infinite - Strictly by Invitation Only
9) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
10) HONG LEONG Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) World MasterCard = Maybank WMC (assuming AF is waiveable)
7) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/2979093

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) All EON Bank credit cards
7) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/3231432

25. Reload Touch n Go using credit cards - http://forum.lowyat.net/topic/3304889

26. Measures on Credit Cards by Bank Negara - http://forum.lowyat.net/topic/1796957

27. Beware of cross border charges by HLB, CIMB and SCB - http://forum.lowyat.net/topic/2519936
Sample case: Apple Store Malaysia by rickkywong using HLB credit card; wshoh using CIMB

Confirmed no cross border charges: Ambank (by rickkywong)

This post has been edited by alexwsk: Nov 3 2015, 10:18 AM

FAQ

1. Can I apply new credit cards using existing credit card which is more than one year?
NO

2. Can I apply new credit cards by pledging Fixed Deposit?
Depends on individual banks, some will accept and some will not

3. How does credit card works?

Courtesy of iMoney.my

4. Links by Gen-X, for your reading pleasure
The Best Credit Card for FREE Entry to Airport Lounge 2013
Credit card tutorial
Free financial tuition
The Best Top 10 Credit Card - Ultimate Showdown 2014

This post has been edited by alexwsk: Oct 28 2013, 04:48 PM

I just published my article titled Credit Card Effective Cash Back Rate. In this article I compared the Maximum Effective Cash Back Rate you can earn with the Maybankard 2 AMEX versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa. Plus also if you are thinking of getting the CIMB Cash Rebate Platinum credit card to earn 5% cash back from online transactions, you won't want to miss this article.


In order to optimize the returns from our credit cards usage, we have to use the right card at the right place and time. There are so many credit cards out there, and if you are clueless, check out my articles below and maybe you can earn yourself some pocket money.

New 2013 Credit Cards - credit card review of the CIMB Cash Rebate Back Platinum, Citibank Prestige MasterCard World Elite, Citibank PremierMiles AMEX, Hong Leong Bank Wise Cash Back, RHB Visa Signature and versus the Standard Chartered Bank WorldMiles MasterCard.

If you are new to credit cards, Click here to my Credit Card Tutorial Page. After finishing this FREE tuition, you'll be an expert on credit cards and you might end up collecting cards like me (click here to see my card collection) to optimize our returns

Hotel Online Room Booking with Credit Cards - some of our credit cards offer discount when we use them to book hotel online via 3rd party sites. But is the discount really good? This article will show you that you need to always compare the prices at check out and not at the front page.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Maybank 2 Cards Premier(American Express Reserve and Visa Infinite Combo) - Comprehensive Review

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?

For your own good, you must click here to read my article on Credit Card Fraudulent Charges and SMS Alert AND click here to Suspicious Telephone Calls on CC matters Thread.

To read my review of the Maybankard 2 Cards, click here. The Maybankard 2 AMEX rewards you UNLIMITED 5X Treats Points everyday PLUS 5% cash back on Saturdays and Sundays. You can get this MBB 2 Card within 2 hours if you go apply at Maybankard Centre at 1U (New Wing), Gardens (near Robinsons) and KLCC (Lower Ground). Please note not Maybank branch. And the most complete guide to Maybankard 2 Cards is right here in LYN - click here to Maybankard 2 Cards Thread and read page#1.

And if you want to convert your credit card's reward points to Enrich Miles, click here to read my article My Son Is Going to The USA Again on Business Class. With credit cards offering 5X points, we can earn Enrich Miles faster. But more importantly, what is the conversion rate of our reward points to Enrich Miles. And in this article I will show you for local usage it is the Maybankard 2 Cards Gold and Platinum and for overseas MBB Visa Infinite rate is one of the best in town.

Click here to me article titled The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns for increments of RM500 spending a month.

And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

And to see my list of The Best Top 10 Credit Card in Malaysia 2015 - click here to my Credit Cards Ultimate Showdown 2015

This post has been edited by Gen-X: Nov 6 2014, 01:40 PM

Guys, I'm holding Citibank Corporate Credit Card that supplied by the company for my business expenses but my question is on the credit limit part. Assuming if I want to apply for a Citibank personal credit card in the future, will my credit limit be shared or it will not? I assume no?

This corporate credit card is applied under my name and the liability is on my own though if I don't pay the bill, it actually goes back to the company...

Another scenario if there is any promotion for new Citibank cardholders in the future, will I be eligible since I'm already holding their corporate credit card?

I can actually enquire Citibank about this but if anybody from here knows the answers then that will be very much appreciated.

This post has been edited by fruitie: Oct 20 2013, 02:49 AM

Is it Yours One, Citi Business Signature Card...???
Nope... there will be Separate CL between Your Corporate CC & Your Personal One No Combine CL

http://www.citibank.com.my/english/docs/pd...l-liability.pdf

This is how it looks like, just a normal card. Actually none of us likes this card but what to do Citibank won the deal to be our corporate credit card. We used to have AmEx actually...



I guess, it should be a standalone card and has no effect on my future Citibank personal CC applications.

This post has been edited by fruitie: Oct 20 2013, 09:28 PM

the Card look So Plain Without Any Design...

Almost all new Citi cards are headed this way unfortunately

It is and the gold colour irks me.
Though it has the highest CL among all my credit cards.

This post has been edited by fruitie: Oct 20 2013, 09:52 PM

That's Good...

And this is the one issued to the Main Character in my upcoming action thriller article to be published in couple days time



P.s. fruitie if you want me to delete the above photoshop image please let me know as I took the liberty to go modify it without your permission.

This post has been edited by Gen-X: Oct 21 2013, 01:06 AM

I'm pleased to present my article titled China Mission Armed with Debit Cards for Cash Withdrawals (click here).



If you regulars here find the characters familiar, well, it is no coincidence and no prizes as to who they are

The article is about debit cards linked to Savings Accounts to enable us to withdraw cash from overseas ATMs. The format adopted for this article is similar to my favorite TV series 24 Hours; and it is freaking long. So if you don't have the time to waste, just read the Conclusion (can even skip the Introduction).

P.s. for actual accounts of the story, it can be obtained at this link >>>> https://forum.lowyat.net/topic/596980/+40

MilesAndMore, what you think of the contents, accurate? Or you just headed to the conclusion too hahaha. Interesting that zenquix mentioned that 2015 we need PIN to use our cards, that's one a big headache for me as I don't have or forgotten the PINs for my credit cards.

Looking for a card with following features?

1. You spend your money overseas (online or in person) and want 5X reward points.
2. You want the Priority Pass Membership Card for FREE entries to Airport Lounge.
3. You are into Enrich Miles for FREE Malaysia Airlines ticket.
4. Free For Life or with Auto Annual Fee Waiver mechanism.

Well, I just published an article comparing Alliance Visa Infinite, MBB VI and UOB VI. However before you read my article please be warned it is a freaking long winded article.

Visa Infinite - Alliance vs Maybank v UOB

Will i get back the same CL as the one i cancelled 2 mths ago, if I reapply card from the PBB with increase in income?

It Should be 3- 6 Months Cooling Period Needed before You Apply with the Same Bank Again...
Just Curious Why want to apply Again... You Just Potong the CC
You should Try to get Others Bank Credit Card with Different Benefits

I only need the 0% 6 mths BT after I cut it.

I am pleased to announced that I have published my third Credit Card Ultimate Showdown - The Best Top 10 Credit Cards in Malaysia 2014.

In view that Maybank Treats Points now have validity period of 3 years like most banks, I have included a new category for my evaluation, i.e. timeless evergreen reward points.

Another new category is for Enrich Miles where we get "FREE" Malaysia Airlines ticket (excluding surcharges and taxes) from our credit card usage.

A total of 22 credit cards were evaluated and reviewed plus one special evaluation in the conclusion.

Please click on the link below to find out the TOP TEN CREDIT CARD in Malaysia for 2014:
The Best Top 10 Credit Card - Ultimate Showdown 2014

Your Top 10 Credit Cards list is getting more exclusive 7 out of 10 are from the premium range Luckily one of my card is still ranked #1

I had 7 cards in my Top 10 2011 & 2012 list. Now I only have the 4 cards in the 2012 list (could have 1 more but terminated the HLB VS). So yes, the list is getting more exclusive for me too And luckily for me too that I have the TOP 3 No.1 cards, hahaha.

This post has been edited by Gen-X: Oct 29 2013, 03:32 AM

Government servant for 1 month... Anyway I can apply CC now? Not given any payslip... Annual income about 50-55K...

Is cash advances is the bad option to have?

The CXXB call centre called me .... Offering me RM200 cash rebate upon 3X swipe within 60 days.. I agreed.

After I received the card, I called the CXXB call centre to double confirm the rebate. She confirmed it & activate it. Almost immediately after I put off the phone , she call me back and told me no such promotion and advice me not to swipe the card.

I filed numerous complaint via CXXB official website and phone. And they told me they will handle the case promptly. 2 days back, I received CXXB card statement to pay RM50 GST.
I call CXXB call centre again, They said got listen the past conversation of RM200 the staff mentioned, but the staff haven't reply them yet ...

It have been more than 3 weeks! What should I do ??

1) should I pay the govt tax by due date ?
2) should I complain to Bank Negara now, I m worry even I win, I still need to pay GST ....
3) I was cheated ! How to detect b4 it happen ?

Thanks

Definitely. You are basically digging your own graveyard with the astronomical interest rate.

You can file a complaint to BNM but your case isn't that strong unless the RM 200 rebate is written B&W somewhere in the printed or electronic form.

CIMB customer service sucks, issues forever cannot settle. i have dealt with them in the past few weeks, i feel that they are very slow in handling complaints and zero knowledge (not knowing how to reply).

For example
Yesterday i have explained to them why i don't agree on their cash rebate calculation. Today they replied

'We believe that our Card Centre has replied to your inquiry on 28 October 2013 in regards to calculation on Rebate entitlement & attached the calculation on how they derived the rebate.

Since there is no justification to award you with the 5% or 20% rebate on Airlines Online Booking (MCC 3000-3299,4511) combined capped at RM50 per month as alleged, we regret to inform that we are unable to accommodate to your request accordingly. '

then i replied

'Do you understand English? Did you read the T&C thoroughly before replying me? I have clearly stated my basis of justification and even attached the T&C for your reference.

E-commerce 5% rebate does not specifically exclude MCC 5968, why cant i claim 5% rebate on this online transaction?

Am i clear? Do i need to repeat in BM so that you can understand better?'

you can try to bear with them, if you can't, BNM is the way to go. i don't even want to talk to them on the phone since there is no black and white, i prefer to communicate through email so that i will have evidence to protect myself

I have complain via official website.... More than 2 weeks, no reply at all.

Omg.

Good thing is, they acknowledge the RM200 conversation. I advice you to get the name of the staff and get it recorded if possible. After that, file a complain to higher division, and if it is still being ignored, to BNM.

if i paid before Payment Due Date, will I kene charge?

No, will not

Hi,

I would like to apply for CC (my first time) and I don't know which one is the best.

Purpose :
- Make purchases for items such as kitchen appliences, electronic items/ device where each items are around 3k to make payments to be converted into installemnt around 6 month - 2 years max (is it possible?).
- will make purchase only once / twice a year unless got emergency.

Then I saw this : http://www.citibank.com.my/english/existin...members-epp.htm

1. Is it okay to apply for choice credit card (Citibank) and proceed with the easy pay method? Im interested on it because they mentioned that 0% on installment for selected vendors up to 2 years. If no, suggest me any.

2. What other costs / precautions i need to know when applying CC to avoid being cheated / fraud?

3. As for self-employed, how long will it takes to process the card?

4. If purchases has been made, the installment will have to be paid to the credit card according to the date of purchase isn't?

5. Is it possible to make early settlement?

6. About the GST, do I need to make payment upon application or upon approval or upon the first purchase?

Sorry for the noob question. It's my first time tho.

This post has been edited by jzack: Nov 6 2013, 01:13 PM

1) you have to make sure whether the merchant in which you would like to purchase your kitchen appliances and electronic items/devices from, were in the list of participating citibank epp merchants: http://www.citibank.com.my/english/docs/pd...rchant_list.pdf

2) you need to check whether there is any annual fees or how to waive the annual fees.

3) usually 2 weeks to 1 month (some only takes 1 hour or 1 day).

4) once purchase is made, you will need to pay the first installment within 20 days from your statement date.

5) yes, but need to inform the cs first.

6) gst will be charged to your first statement once your card is approved.

Citibank ready credit is a credit card type of installment?

citibank ready credit is a debit card (not credit card) on a revolving checking facility. other than the ability of a debit card to swipe it during your retail shopping or using it in online purchase, you are also able to do fund transfers, issue cheques, or withdraw cash through atm without incurring cash withdrawal fee (unlike credit cards).

I see because when I look through the form, it says " credit card " so I am curious.

Thanks for the reply. And yes the merchant is on the list. Do you have any CC product that you would suggest?

no problem, for more information you may refer to this link: http://www.citibank.com.my/english/readycredit/index.html

i would suggest mbb2cards and ocbc titanium as the best combo cash back cc at the moment. however, ocbc titanium is no longer open for new registration (until further notice), so perhaps you may go for mbb2cards first. since you are more towards installment plans, there are many participating merchants with mbb too.

for more information about the mbb2cards here: https://forum.lowyat.net/topic/2989298

I think this one is great for quick cash.

yes, but need to use it wisely.

Yes for sure need to use it wisely or else need to bear the high interest amount. By the way, do they look on your CCRIS record?

yes, i suppose, since they have a minimum income requirement of rm24k/annum, as well as required documents such as epf/salary slips/be form/bank statements/ea form. and most importantly, this product is under citibank's overdraft & loans section.

oops, and this reminds me that we are off-topic from this thread discussing about credit card.

This post has been edited by victorywp: Nov 6 2013, 07:10 PM

Opps, hehe. Sorry for that. Anyway thanks for your kind explanation.

I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise...

This post has been edited by moshimaruu: Nov 7 2013, 02:48 PM

As far as I understand in CCRIS record, any number 3 will have 0% chances while any number 2 is 20% and any number 1 will have 50% chances in you application approval.

is your housing loan late payment happened only in a particular month in the past? or it is a long-term problem which still has not yet settled?

[quote=victorywp,Nov 8 2013, 12:09 AM]
I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise...

[/quote]

is your housing loan late payment happened only in a particular month in the past? or it is a long-term problem which still has not yet settled?

[/quote]

I would suggest you just take a shot to try. It is because every bank has their own criteria for approving cc to applicant. However, the general thumb rule is the person who met the min required annual income with clean CCRIS and CTOS should has higher chance to get approval

How to check i at which NumbeR?


Mostly every month i late payment..sometimes 2 month later only make 1 payment. I know myself got CCRIS already, just wanted to know can apply anot..


CTOS i thought is for telecommunication... Annual income meet requirement, but problem is CCRIS. Which bank normally not so strict? Actually planning in apply CITIBANK clear cc. Just normal..

A card for Insurance:

The INGIAFAM-BSN credit card is geared towards the affluent market. It offers members the flexibility of opting for a 1.8 per cent cashback or a 12-month zero-interest plan when they charge their life insurance premium with the card, up to 2x reward points for overseas retail spending and complementary travel accident insurance of up to RM1 million.


Read more: BSN eyes 20,000 take-up for new credit card http://www.btimes.com.my/Current_News/BTIM.../#ixzz2k0xWEgVF

Cancelling your credit card will affect your credit score or not?

the No. 1, 2,3... is Outstanding Status - Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment....
As for 0 mean You Never Miss any Payment (at Least Min Payment) ...

Anyway, U can get Your Own CCRIS with FOC from Bank Negara at Working Days

For more About CCRIS pls Refer to CCRIS, CTOS Thread, Here https://forum.lowyat.net/topic/741069 Post #14

thx for ur advise, anyhow i will try to apply and if reject, i just take my company bank credit card, think will much more easier to apply.

This post has been edited by moshimaruu: Nov 8 2013, 01:48 PM

Anybody know can we convert the tansaction made via pay pal to flexipay? Im using pb credit card now...

Thx

Thks for info

But what I asking is the PB flexi pay, where you can convert any transaction made in any merchant by call or sms. I think is different with ZIIP where only applicable for participated Merchant

http://www.pbebank.com/en/en_content/perso...s/flexipay.html

hey, i would like to ask that is the maybank manchester united visa infinite has the same TP coversion of 4500 points = 1000 enrich miles as the maybank visa infinite card?

I do have a PB cc too. And as far as my understanding from the T&C, you should be able to call PB and do that flexi-pay. Why don't give them a call, and ask them to do it. See if it would go through.

Dear Sifu, recently I was aware that there is a new promotion from Maybank and UOB Bank extended to their existing card holders which has 30K and above in credit limits and good pay master, they will eligible to upgrade their card to Visa Infinite. May I know so far any sifu aware of such promotion? Apart from UOB and MBB, does other bank offer similar privileges?

sharing this, from The Star today.. Visa having promo for Agoda.. 10% off for booking on Wednesday through www.agoda.com/visawed



got other promo too for Lazada, Sasa.com & Zalora

i expect the 10% discount will be deducted towards the final price before payment done, right?

not sure.. need to wait for wednesday to try.. if it same like agoda promo before, need to key in credit card first, then the discount will appear..

yeah, i mean key in the credit card number and it will detect whether your card is visa before the discount will appear. i think it should be like this just like the agoda promo with maybank.

Recently apply MBB CC, the dual cards on 31st Oct. Wonder usually how long MBB takes to process my CC.
Using it to refuel & online purchase such ebay,rs,agoda.

Previously application at BnkRkyat rejected...no reason, juz receive sms notification
Previously also application at UOB left unfinished because the staff really lousy, delay me too much

DId those previous application affect my application?
Did they observe credit strength...since i did have my name on two cars & asb? i only pay parts of it/half.

It will Need 5-15 Working Days to Know the Status of the Application
Yes it will Effect Your Application As They Reject You due to Your High Commitment, Car Loan...

LoL...
How bout if my record is clean...had strength of repayment.
Loan commitment only 1.2k of 2.7k gross salary...izzit consider high.

Almost Half of Your Monthly Pay...

Payslip shows higher due to ot...seem as nearly as fixed allowance
Hoho....so, no bright hope la
Will call em next wik....cuz i'm eagerly waitin mah.

Waitin lil sis finish study to change name on car. Half of it amma/appa pays, half me

If I have an autobilling with Astro, will I still receive the monthly bill?

And I terminate my card, do I need to notify Astro, or I can just pay according to the monthly bill using another card?

Better give Astro a Call...

Not Really Help, Although You Chance Name to Your Sister but Car Loan still Under Your Name is You that apply Loan...isn't It

Interesting using Credit Card Dispute to scam
http://www.thestar.com.my/News/Nation/2013...am-pledges.aspx
http://www.thestar.com.my/News/Nation/2013...t-creators.aspx

This post has been edited by ronnie: Nov 12 2013, 02:21 PM

just by disputing the transaction, the bank refunded all the money back to the credit card owner without any investigation done? i wonder what reason/supporting he used in filling his dispute form.

This post has been edited by victorywp: Nov 12 2013, 03:34 PM

Can my payment go through if I make an agoda room booking after midnight? Hope to get an answer soon, 1 hour to midnight

Tak halal buat mcm tu uncle Ronnie =)

I agree with victorywp, why would the bank simply return the money? Surely there must be investigation?

I had apply MMB 2 card 3 weeks ago but no answer.
I call cs and they said, they received my application but Pending due to not enough document and they can't check what doc is missing.
Cs ask me to refer back to MMB branch which I make the application.
Keep calling the cc personal but can't get to (always busy)
I was thinking to make another application from other branch, is it OK?
Do anyone have better idea?

Yes can have another Apps with Other Branch, But before that Go to the Branch that You Submit the to Enquiry See the Out Come 1st...

Btw, How About Apply thru Emailed or Fax Your Application Directly to MBB Card Centre...
Application Form Link,
http://www.maybank2u.com.my/WebBank/ConvCa...Form_260613.pdf
The Fax no. & E-mail are at the Bottom of the Final Page...

Pls, Do Update with Us Later...

This post has been edited by fly126: Nov 15 2013, 12:45 AM

Thanks Fly126.
Just received phone call from application branch personal said, there are no pending document, just the application is in process. Need to wait 1 more week

I did check the Application Form inside MBB website but there are too many to fill in.

I try iMoney website, fill in their simple form and received call from iMoney said they will pass my inquiry to MBB.
Anyone have try iMoney service before? (I just let iMoney to make other application in case if the application from branch fail)

guys,
currently i am having maybank2card with me (AMEX & MasterCard)
and then recently CIMB offered me with CIMB Petronas Platinum Mastercard.

should i keep Maybank mastercard?
or use CIMB petronas platinum mastercard?
which one is better?

if you already signed up that cimb petronas platinum mastercard, use it instead of maybank mastercard.
at least the benefits/features in that cimb mc is better than the mbb mc.

my income is less than 36k, only can hold 2 card.

i have CC-A and CC-B now. applied 3rd CC, CC-C, and have been rejected.

can i cancel CC-B now and call CC-C for appeal? would CC-C be revise and approve for me?

or i need to wait for some period for CC-C know i had cancelled a card?

This post has been edited by edwardccg: Nov 18 2013, 08:58 PM

I X think so...
Although U Canceled Card B now... It Won't Help with Appealing Card C coz Bank B Need Time (1-3 Months) to Update Your CC Cancellation Status to CCRIS... Furthermore, Usually 6 Months Cooling Period will Needed Before You can Apply again with the Same Bank...

Some of the Bank, Even Need 1 Year Cooling Period.... Before You can send Your Application with Them Again

This post has been edited by fly126: Nov 18 2013, 10:48 PM

in short, if i cancelled card B right now, i could only apply card C again 6 months later, about May-June 2014

or jump ship to another job which offer above 36k

but does CIMB petronas able to enjoy 0% installment thru easypay?

yes, of course. you may check the participating merchants here: http://www.cimbbank.com.my/creditcard/index.php?rp=42

are u sure?
check the benefit list below
0% easypay is not included in the cimb petronas

0% epp should be a feature for all cimb credit cards.

**if you have further question regarding this, you may just post on the other thread (cimb cc thread).

This post has been edited by victorywp: Nov 19 2013, 10:36 AM