want to add more on this..

interest free period IF and only IF you fully settle your previous statement before the statement due date

yes, this is an important point.

gotten my Maybank2card Platinum today (upgrade from Gold).

Something different from the package/cards:

Called-in to activate the cards, took around 5-mins to get the card activated, ready for use, and reflected in M2U.

One peculiar thing: There is no need to cancel the Gold cards. That means I'm carrying 4 cards (2 sets of m2cards).

p/s: Best customer service ever for calling the new hotline number. Direct to customer service agent.

This post has been edited by cybpsych: May 13 2014, 08:18 AM

Hi guys,
Today just received notice that my application for MBB 2cards rejected.
Call the branch officer that in charge and he said that my monthly commitment is high and also he said that if I apply again it also will be rejected.
- Currently I have 3 CC with no outstanding balance.
- Loan (House + car (MBB) + ASB(MBB) = 3.5k monthly) all with good record
- Monthly income 6.2k
Anybody know how can I get it approved. I plan to canceled 1 of my current CC and apply this card to utilized the 5% CB and the 5x TP.
Thanks

rejected ? how come

your 6.2k is before tax or after tax?

6.2k gross...after deduction tax and epf around 5.3k

how much is your current monthly commitment? i guess ur commitment is approaching 80% of total commitment/net income x100%.
Or another possibility is 3 of your current CC is getting too high credit limit. For eg, you are eligible for 50k credit limit, but 3 of your CC total credit limit >50k, then they will reject you. <-- i heard this from 1 of my fren SCB banker fren.

Total of the 3 CC CL for around 35k and my monthly CC spending around 2k... I believe that CC spending + loan commitment causing my application been rejected.
And ASB loan is the culprit since I just started to service the 200k loan...

This post has been edited by njan77: Apr 23 2014, 10:50 PM

1) you should have upgraded to platinum right before your next gold gst charge, then cancel your gold and use your gold tp to redeem for your new platinum gst after transferring the tp over. so you won't be incurring additional gst for the new platinum 2 cards. you upgrade now for what purpose? golf or insurance? if not, why upgrade now?
2) yes, since you are now a mbb platinum card holder, you get to call the toll free number with direct customer service to handle your questions/requests.

lol all these while, i had the assumption that since it was an upgrade and i've already paid for the Gold, i wont incur additional gst for the Platinum (or possibly to waive later).

upgrade (for us) is technically a new sign-up (for bank), hence gst will be imposed.

also, chances of me dropping by maybankard centre is rare, so just happen i was at The Gardens, so i thought might as well upgrade it

Mind to share what's the voucher is? I'm calling in to upgrade mine to Plat as well (GST coming soon), my latest credit limit already reflect plat level as I submitted my payslip early this year. But I only proceed to upgrade credit limit after being told the same thing - will charge GST upon activation even though it's an upgrade.

mostly beauty, lifestyle -related vouchers. Not many dining/gadgets. Redemption must use with Platinum cards, so cant give it away either Later at night I post all details.

as my understanding, there are no such thing as credit limit reflect plat level unless u talking about your monthly income reflect plat level..
last time i do have a gold card which higher limit than my platinum...

if your income is 60k p.a. , just apply/upgrade to plat

I indeed have above 60K pa and submitted my salary slip for update. But I didn't want to pay for GST as I just paid 6 months ago (from the time I submit my updated salary slip). So I only ask for credit limit increase (previously was only RM5K CL given). The CS (I did in Maybankcard centre KLCC) mention if I were to upgrade my card, I don't need to show my salary slip again as the system already captured my salary is above the plat requirement. So I can just call to upgrade without the need to go through any card centre.

btw, can amex card use at oversea? how to calculate the weekend then?

any additional charges?

YES. As long as the oversea merchant supports AMEX.

Based on Malaysian time

Processing fee + forex difference

processing fee how much?

forex able to track i think just worry no worth.

Slightly higher than MBB Visa/Mastercard:

Forex are not accurate also, as the rate are determined by them. But won't run that much.

reminder... campaign will end by 31st may 2014...



http://bills.maybank2u.com.my/ccedm/edm_CC371/CC371.html