In actual you saved rm9 only. A stupid way. The way to get cash from credit card without paying fees(and getting CB) is help others to buy stuffs/pay bills which I'm doing now.

If those jerks come once every 2 months, then 1 month sure under estimate and another will be taking real reading. When you are getting estimated bill, you can take the reading your self and give to TNB to get the actual bill. I'm doing this last time so I got no problem on the bill. Now I'm paying extra most of the time, just to hit the rm1000 quota.
Always check your bill's cut off date, then you won't have this problem.

[quote=supersound,Mar 12 2014, 01:53 PM]
"In actual you saved rm9 only. A stupid way. The way to get cash from credit card without paying fees(and getting CB) is help others to buy stuffs/pay bills which I'm doing now."

But for the person who need cash, this will be the best way since borrowing money from the bank like personal loan will incurred very high interest cost. but paypal method not only cost nothing but we gain. right?

This post has been edited by ckyow1: Mar 12 2014, 01:58 PM

rm9 gain?
Speechless.

Haha.. I mean for people who need cash badly.. this will be the alternative instead of borrowing money
from the banks or others.. the max cash back RM50 is another topic..
If your main focus was the RM50 cash back.. then you are right..

Nope, even I want cash badly I'll do the same, won't use your way.

First of all, Paypal does not accept Amex to be transact in MYR.

Banks have started giving lower credit limit (I think based on 2x or 3x of your monthly salary).

I travel overseas quite a bit for my previous company and use the credit card for company expenses. The banks (Citibank and HSBC in this case) automatically increased my credit limit without me asking, and the limit was like 6x my salary.

When I applied for OCBC, HLB Wise and Maybank last year, all 3 banks only gave me 3x of my monthly salary (which is lower than my Citibank and HSBC limit when I first applied with them many years ago).

So I guess credit limit increase will only happen when you spend a lot with the card (one good way is offering to use your card when go out makan with friends and have them pay you back in cash) and also a good paymaster.

Perhaps you can show them your latest salary slip as justification for the increase?

spent a lot wont help too. My CL is 16k, monthly spend at least 40k, paid on time, and advance

they never entertain me tho.

ok so i am guessing those who are using amex for paypal are paying in currency other than listed below

This post has been edited by DarReNz: Mar 12 2014, 08:29 PM

yes I have gotten reply from them as below

Kindly be informed AMEX credit card is not allowed as a funding source for few of the  transaction currencies  like  TRY,  BRL, MYR, PHP, THB, TWD, MXN, ILS. This is an expected behavior when transacting in these currencies. However, this depends on American Express itself.

When this happens, the system will prompt you to use a different funding source. Currently, your alternative to complete the payment are as follow:

?             Add a non AMEX card to your PayPal account, or
?             Top Up your PayPal account with MYR from RHB bank

Ya, agree, in the supplementary form, u may provide FD, pay slips to request to increase CL

I never call maybank line, but often call direct amex line 1800889559, very easy to reach a real person. Just one button to pick platinum or gold, then right away you'll be able to speak to somebody. Although Amex Malaysia is actually handled by Maybank, I kinda wonder why the usual Maybank line is different.

I primarily just use Maybank Amex card anyway, so I never have to actually called usual Maybank line.

Ya. me too. Even lasttime is Maybank visa, i called 1800889559, the cs help me to divert to maybank

so far use amex line to call many times, i must say so far so good

Wow... with your spending, maybe you should go apply signature or premier class credit card

Applied and declined tho

As mentioned here.

I already give them my 3 months latest payslip, and my record are 'clean' i made full payment every month.
My c/l is 7-8 years back never increase and I didn't expect this bank rejected it without any reason given...

anywhere already terminate it no point use this lousy bank anymore...

Hi fellow seniors, I was wondering is my card ready to be use in paying bills or online transactions without receiving the card yet? Everything is linked to my m2u accounts, but I have yet not received the letter from them for 7 days upon receiving the sms approval.

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.

thank you so much for fast reply. urm, basically i've requested to collect the cc from their branch on a shopping complex actually. but they say they will send me a letter before i can go to collect my card at that particular branch.