yeah, for me, i wanted to pay my parent's utility bills too but my father prefer to get bill first before paying. We had many times tnb/syabas double-charged us becaue they didnt capture previous month's payment and automatically assume we didnt pay at all. Many times we've gone to the offices just to dispute the bills

cool

i just LOL with the campaign name: “It’s Raining Money Campaign”

Flyer: http://www.maybank2u.com.my/WebBank/RainMoney130314.pdf

T&C: http://www.maybank2u.com.my/WebBank/RainMoney130314-tnc.pdf

Promo page: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

This post has been edited by cybpsych: Mar 14 2014, 06:24 PM

it doesnt actually charged to your card.

it just pre-allocate a certain amount from your card (cuz using card, it's use-first-pay-later). once transaction is completed, the RM200 will be released/canceled immediately and actual transacted amount will be charged instead.

yesterday i tried to preset a certain value prior authorizing card. i still gotten SMS notification of RM200, but actually charge is only the preset amount.

no worries, most of us aware of this. If this is some kind of scam/system loophole, banks & petrol operators already gotten more complaints liao

yup, anything and everything...

as long as transaction on weekends with AMEX = qualify for 5% cashback (capped at RM50).

as far as i know, you cant pay a loan with another type of loan. the "nearest" method is credit card balance transfer, but that's between credit cards only.

education loan, no idea if it's even possible. probably check the loan issuer if you can pay off edu loan by credit cards. it doesnt make sense doing this cuz at most you can delay the inevitable (i.e. repaying credit card) for a 1 bill cycle + 20 days of payment grace period.

even if you pay a minimum amount, you're effectively owing more than the amount you began with.

some reading:

The Consequences of NOT Making Full Payment on Your Credit Card Bills
http://www.imoney.my/articles/the-conseque...edit-card-bills

Credit card debt churning out bankrupt graduates
http://www.thestar.com.my/story.aspx/?file...1423&sec=nation

the moral of the story: dont spend on credit card when you cant pay it off in the end. credit card is to lessen the burden, not eliminating it completely.

there's nothing special with the amex rebate. the qualifier is lower and simpler than other credit cards

using amex is more of "where's waldo" kinda scenario. Forumers here keeps hunting, testing, harassing (?) merchants whether they accept amex

what card are you having now?

Mine refunded after 3 days. And I even gotten cashback for it cuz the usd1 charged during weekend cb is based in the converted USD -> MYR. forgotten how much liao.

yes, you can reload TnG with AMEX. problem is to know where.

so far, only one Petronas station accepts Amex to reload TnG. Google Map: https://maps.google.com/?ll=3.050373,101.62...002642&t=h&z=19

I whacked RM400 into TnG earlier this month (will be expecting RM20 cashback for using Amex during weekend). Do note Petronas has 1% cash surcharge if you use any credit card to reload TnG. So, if you reload RM400, surcharge is RM4 only. you'll get back RM16 in effective cashback

do follow-up this topic: https://forum.lowyat.net/topic/1803385/+1720

check this old topic, relevant though https://forum.lowyat.net/topic/671053/all

not sure if amex epp treatment is the same as visa/mastercard epp. some reading at Maybank http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

nope. for Amex, transaction date.

every sinced discovered my love for Amex rebate, Visa is being orphaned in my wallet

my mbb2card is carrying Visa+Amex. still depend on Visa if merchants doesnt accept Amex.

i dont carry other cards, so Visa is trusty backup nonetheless

just curious: if upgrade from mbb2card gold -> platinum, can you choose either Visa or Mastercard?

one of the easiest gst "waiver" no begging needed. get my cashback, also got TPs to offset GST.

ahh ok! thanks!

Both my mbb2cards listed as usual. Just temporary issue kot.

read post 264

after GST list in statement. called up mbb to waive it using TPs. 1-2 days will be reflected in m2u.

Strange. Isn't the gst redemption suppose to be credited back to the relevant card to be offset?

For me, amex card was charged and "paid" immediately. Actual gst charged to visa. Called to redeem tp, it was credited back to visa as well. This effectively offset/zerorize the gst.

just checked all my cc statements. GST charged on 15 Feb, annually. Card's anniversary month is Feb too. Bill cycle is 21st. already forgotten when was my approval date i was using visa before upgraded to mbb2card.

interestingly, i couldnt find any GST charged for year 2013. checked statements from jan - dec 2013, couldnt find any GST charged. i wonder why it was not listed. prior to 2013, i can see GST charged without fail.

most likely cuz GST is charged on annual basis.

mine probably coincidence that GST charge month = anniversary month. May need others' feedback to correlate

now my account not showing AMEX TPs liao.

it was listed on Saturday when some forumers noticed this. Guess it's going across the whole user base.