sure cannot liao read the T&Cs

if u can be sure, then better call maybank's CS to find out what are the transactions listed in your Visa.

no harm calling them cuz maybank can see unbilled/floating transactions.

in my case, cards sent via poslaju, ~3 working days after listed in m2u.

interesting, but the staff at maybankard centre (The Gardens), told me that as long as there's someone at home to sign the package, it'll be ok.

the package reached my house during daytime, my parents signed the package

upgrade from gold -> platinum, but it's considered a new signup, probably that's why it took longer to get it (3 working days to be listed in m2u, 3 more working days for physical cards to reach me)

once received the cards, i started making calls to arrange the outstanding/treatspoints transfer*. this transfer, took around 6-7 working days.

*the total transfer is better cuz you dont have to pay-off the "old' cards anymore. once all transfered to the new cards, old cards will be cancelled and removed from m2u. clean and simple.

downside from the transfer, you'll lose all the transaction records. it will just give you a one lump sum figure to the new cards.

i have yet to receive the 1st statement after upgrade cuz i also changed my bill date (21st -> 8th) prior to card upgrade 2-3 more days ony i'll get the statement, then till 28th will be the last payment due date <-- should've shifted the extra fund to eFD for 1 month to gain some interest

This post has been edited by cybpsych: May 7 2014, 09:44 AM

yeah, i suspect so too.

perhaps you can give them a new instruction to deliver the cards to branch since it has not sent out?

hahaha a lil' extreme, but does it have such high incidents to warrant strict verifcation? if so, then poslaju delivery already broke their security measures

no choice for financial institutions to protect themselves.

too many fraud cases, identity or transactions. all these are preventive measures, cant eliminate all, but banks are trying to protect genuine customers by implementing stricter business policies and rules. tedious, but better than nothing at all.

the passbook update, just wow . even the kiasu PBB allows 3rd-party (my dad) to bring my passbook for update.

never ever give any personal details to anyone via phone, including your mom/dad

they're phishing you to verify the cards info they've gotten somewhere illegitimately. the more you confirm, the more you're validating the info.

where did you get the cards? by agents or online form (by mbb or 3rd party?) or anyone/where else?

if you can confirm u gotten the cards directly from official maybank offices, then you can screw them kawkaw for disclosing your info to external parties without your explicit consent.

may happen, especially bank agents who has database (excel file) of their customers info. probably they keep track of their sales performance for reporting (and incentive count, perhaps).

when they leave, no way the bank can control how she keep/use the file. she can jsut upload to dropbox, or thumbdrive or even floppy disk? banks have very stringent IT policies, but differs from bank to bank.

by right, her previous bank contract prohibits her to use any work-related documents for about 1 year (bank maybe longer). she got NDA as well.

you can actually report back to the bank and screw the ex-agent back

how does the future payment works?

system "blocked" the amount first, but only charged to AMEX card on the specific date?

many possibilities.

as a general rule of thumb: never ever layan these type of calls.

ahh good to know! much thanks!

at least can plan ahead next bill payment, e.g. unifi.

lol never bother to change the "effective date" field when paying bills. usually just keep as "today" when i pay unifi during weekend

recurring bill payment:



problem is, recurrence is based on a fixed date (except for 31=last day of the month)

this will be a hit-or-miss whether the date is on weekend or not.


best is to set a one-time future payment date. e.g. Today, set the bill payment effective date = 10th or 11th May.

So far, you can set 30-days in advance. e.g. Today (8-May), future payment until 7-June only

yeah, per-payment basis, and 30-days in advance.

still ok la

best part about Maybank's eDMs (posted by victorywp) is that the URL has running number.

this is what i found for the next eDM:


Source: http://bills.maybank2u.com.my/ccedm/edm_CC383/CC383.html

*Update: Metrojaya's Members Day sales catalogue is here http://www.metrojaya.com.my/v/newsletter-detail?id=14


there's one about increase credit limit and get a double-tier stainless steel lunch box, from 1-18 May 2014. Not sure if this is still a valid offer, cuz no one seemed to share it or maybank retracted it?

http://bills.maybank2u.com.my/ccedm/edm_CC378/CC378.html

This post has been edited by cybpsych: May 8 2014, 05:32 PM

yes, provided your annual income meets Platinum's requirements, then should be OK.

yes, during upgrade, you can inform the mbb staff to upgrade to platinum mastercard (instead of platinum visa).

I did my upgrade last month. So far so good

you can refer my earlier updates at Post #1288

yes, all transferred, outstanding & TPs from Gold -> Platinum. Took them around 7 days to do this.

yes, new cards <-- new GST to be imposed. Better upgrade before your Gold imposed with GST this year. else, like my case, Gold already imposed GST in Feb (anniversary month), then upgraded to Platinum in April, another GST coming in 3 months time. this was a mistake of mine, didnt know GST is charged such way

if already imposed GST for your Gold cards, then probably can upgrade next year before GST kicked in. at least you wont double-pay the GST.

'bout cashback from Gold -> Platinum, mbb told me it's same pool. let's say, today, your Gold spending already getting RM25 cashback (own calculation). Your upcoming Platinum spending will have remaining RM25 cashback till end of May. Considering the upgrade takes about 1 week, you might have about 1.5 week remaining you still can use the Gold cards until you terminate them. In fact, you can pass the Gold cards to spouse/family to pump petrol and help you earn cashback

i did test this scenario. spent the remaining using Platninum and maxed the RM50 cashback by end April. Come 1st May, gotten RM50 cashback. RM33 cashback from Gold, RM17 from Platinum.

This post has been edited by cybpsych: May 13 2014, 04:10 PM

TreatsFair is coming next month, so good to plan for TP redemption