maybe they checked your transaction records in your other hlb cc and analyse how much you could further contribute if you have a second hlb cc. if just having half of your monthly expenses being transferred from one hlb to another hlb, that don't benefits them.

that's not the main reason people having more than one cc. bcs for your case, a cc with high credit limit will do. people having more than one cc bcs each different cc had its own features/benefits.

how long have you been using the cc? you may apply for a higher credit limit if you have used your cc for more than 6 months and when you have salary increment.

you will still receive your cb just it will be delayed.

some automated fuel dispenser cannot set a fixed amount. for those can, you just press the number to set it.
also, some can set the cents (for eg. rm20.33) while others can only set the ringgit (for eg. rm20.00).

it is better to wait for your physical cc to arrive first before activating it and start using it. if you activate it and use it without first receiving the cc, it's ok actually (provided nothing happens to your cc). but if something happens to your cc (meaning that the cc doesn't arrive to you - lost in the mail or etc.), it will become a big problem to you.

for safety/security reasons, it is really better to wait for your physical cc to arrive before activating it.

just for sharing...
if you have activated your cc but it does not arrive to you later on:
1) it's considered as you lost your cc = need to pay for a replacement
2) if someone used your cc for any transaction (especially the ones that doesn't need signature like automated fuel dispenser), you cannot give reason that you have not receive your cc because you have activated it. so you have to admit that you lost it = you need to pay for replacement + all the transaction amount involved (maybe waivable but surely need to wait for the investigation results by the bank, etc).

you fuel up using automated fuel dispenser right? usually it will block rm200 from your cc. if you don't prefer this, you may go to the cashier to swipe your cc.

another thing to share is, let's say if you have used up your credit limit, left only rm190 credit limit in your cc, you won't be able to pump using automated fuel dispense anymore since it will block rm200 but your credit limit is not enough. so you may go to the cashier and swipe it for any amount up to rm190.

i believe it's done on the spot once you pay. so should be no problem.

but i already assume you will be using m2u.

yes, as long as the merchant accept amex.

yes, you understand correctly.

http://bills.maybank2u.com.my/ccedm/edm_CC343/CC343.html

never try that before.

but i don't really mind to just redeem the gst with my tp. just spent rm2.5k (a year) and use the 12,500 tp to exchange for the rm50 gst. i think one can easily spend a few times higher than rm2.5k a year. so not a big issue.

no, it's not possible.

if not mistaken, mine was credited to amex even i didn't requested so.

of course you can still maintain your mbb cc. but why do want to? is your moving there only for temporary? otherwise why do you want to go through the hassle of incurring forex and overseas fee?

it's too long ago, i think i remember wrongly. if i try to remember again, perhaps they credited to my mastercard account first. then need to call to transfer the rm50 over to my amex account.

i can't remember correctly bcs it only happened once when i first got the cc and i paid the gst with cash first since it's charged after i got my cc. then after i accumulated enough tp only i redeemed. but i didn't use mastercard that time. so just transferred to amex.

from then on, once it's charged i will redeem immediately bcs i have enough tp already. so no transferring done anymore.

This post has been edited by victorywp: Mar 22 2014, 11:58 PM

i can't remember the exact gst timing too. anyway, it's still not too late if you call to redeem once it's charged in your statement.