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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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edwardccg
post Nov 18 2013, 07:58 PM

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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
edwardccg
post Nov 19 2013, 07:29 AM

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QUOTE(fly126 @ Nov 18 2013, 10:46 PM)
I X think so... hmm.gif
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... nod.gif   

Some of the Bank, Even Need 1 Year Cooling Period.... Before You can send Your Application with Them Again
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in short, if i cancelled card B right now, i could only apply card C again 6 months later, about May-June 2014 doh.gif

or jump ship to another job which offer above 36k mad.gif
edwardccg
post Dec 19 2013, 07:44 AM

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If i am in oversea, can the online banking system send TAC/OTP/PAC sms to my mobile when i do transaction which require the temporary password?

anyone tried before? in local will received sms "RM0.00 xxxxx". if they able to send to oversea, how is the sms charge?
edwardccg
post Dec 19 2013, 11:30 AM

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QUOTE(Gen-X @ Dec 19 2013, 10:30 AM)
When I am in Australia, I have no problema getting sms alert with Maxis for my MBB, UOB and Alliance VIs. As for the charges, I got no idea since I never check my Maxis bills since they are auto debited. Also no problems getting OTP for M2U.
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sms alert you refer to the transaction alert?
since sms alert can arrive i could expect TAC/OTP can received as well?

if there is charges on sms, i guess will be showing the charges on the front of sms like "RM0.50 ......"
edwardccg
post Dec 19 2013, 07:00 PM

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QUOTE(Gen-X @ Dec 19 2013, 11:57 AM)
Yes Bro, transaction alert since I mentioned MBB, UOB and ABB Visa Infinite.

My mistake on OTP for M2U - don't need one. But I do get OTP for my MBB Visa Infinite for Internet Transaction and even Maybankard 2 AMEX Safe Key for booking Air Asia when I am in Australia.

You should be able to receive the OTP for your baking account as long as you got roaming. Bro, usually I tear off my Telco bills, too bloody thick to keep them, so can't check for you. But I guess it should not be more than RM1 per sms.
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QUOTE(namh @ Dec 19 2013, 11:59 AM)
i went to jakarta and seoul this year, have no problem to receive sms regarding credit card transaction for maybank card.. not sure for TAC, but i think it will be the same.. i dont get charged for receiving sms oversea..
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QUOTE(alexwsk @ Dec 19 2013, 04:12 PM)
confirmed receiving TAC/OTP overseas are free
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notworthy.gif thank you for confirming this
edwardccg
post Apr 3 2014, 09:54 PM

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is there any way can pay indah water bill with credit card?

posonline can pay it using CC but it charges 2%
edwardccg
post Apr 4 2014, 11:26 AM

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QUOTE(sj0217 @ Apr 3 2014, 10:25 PM)
I always pay by OCBC credit card for Indah water
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but my ocbc already cut blush.gif
edwardccg
post Apr 4 2014, 01:04 PM

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QUOTE(sj0217 @ Apr 4 2014, 11:38 AM)
If there available for Watami or New Aeon Credit card?? never try before
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aeon online only can pay to syabas.

so far i only know posonline can pay IWK, but 2% charges.

want to ask if their counter accept CC?
is there any mnimum to for using CC? got any charges if using CC?
edwardccg
post Jun 4 2014, 10:07 PM

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QUOTE(SpectacularButter @ Jun 4 2014, 03:40 PM)
I applied for HSBC. Promised cashback 5-8%. When I double confirm with the promoter whether the promised cashback apply for weekdays and will be permanent, she said yes and it will be "ongoing". I signed up. Went home check website - Only for weekends, until dec 2014. When I called the promoter, she said there is still cashback, but is 0.5% for weekdays  vmad.gif  mad.gif About the time frame, she said the promo is until dec 2014 but it may continue on but not sure yet.

I am lodging complaint.
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promoter are always promote for commission only.
always trust all the TnC instead, with Black and White
but almost all CC first year annual fee will be waived and rm50 service tax would be absorb with some swipe too. after get back the rm50 you could choose to cancel the card if you don't want to use it.
edwardccg
post Jun 14 2014, 12:18 AM

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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?

This post has been edited by edwardccg: Jun 14 2014, 12:19 AM
edwardccg
post Jun 14 2014, 12:58 AM

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QUOTE(victorywp @ Jun 14 2014, 12:26 AM)
yes, you can pay in this way, don't worry. they only charge you interest on whatever outstanding balance (if any) after your due date (2/7).
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QUOTE(sj0217 @ Jun 14 2014, 12:26 AM)
As long as you have settle the amount (RM1,500) before due date (2 July) regardless of how much money and how many times...
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Thanks for the reply,
just wanted to pay a little first to release some credit limit for some purchase tongue.gif
edwardccg
post Nov 1 2014, 05:58 PM

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hi, may i know if i go oversea for travel, do i need to inform bank on i will use the card in different currency?

i was wonder i will be blocked if i used my card in oversea
edwardccg
post Oct 5 2015, 10:26 PM

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Hi,
I have RM1400 and RM1600 transaction which will fall into statement cycle of Oct 10th
However, I still have pending RM1400 refund not yet credit to my credit card.
Let says the refund is late and is credited after my statement date (Oct 10th)
I will have statement amount of RM3000, outstanding amount of RM1600
May I know before the due date, I should only need to pay RM1600 only right? Or I should follow the statement amount.

This post has been edited by edwardccg: Oct 5 2015, 10:27 PM
edwardccg
post Oct 5 2015, 10:33 PM

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QUOTE(fruitie @ Oct 5 2015, 10:30 PM)
Always pay statement amount.
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In that case, I will have -RM1400 in the outstanding.
This not consider as overpaid?
If I am not going to use the card for the next month. Then I have the RM1400 paid extra for nothing?
edwardccg
post Oct 5 2015, 10:40 PM

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QUOTE(alexwsk @ Oct 5 2015, 10:34 PM)
rm1600 will do since outstanding already lesser than statement balance
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In general,
The total credit to the card (payment, refund/reverse) within the interest free period is more than the statement amount, then I will not get charge any minimum payment interest right?

Eg: statement amount of RM3000
Payment at interst free day 5 = RM500
Payment at interest free day 10 = RM1000
Reverse payment at interest free day 15 = RM1500
Total credit is RM3000 before due date.
I should have consider a full payment done to the statement amount, right?

This post has been edited by edwardccg: Oct 5 2015, 10:43 PM
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