Then you need EA and EPF statement
Even when I applied for WISE also I used my income tax slip only
When the officer ask me for more documents like payslip and EPF statement, I tell him I only have this and if want extra documents, I need to fax. That fellow like don't want to submit only. 2 weeks of waiting nobody asked me for extra documents and on 3rd week, they called me to collect the card

This post has been edited by supersound: Apr 14 2014, 04:35 PM

Master and Visa basically are same, except AMEX.
If you have M2U, this is normal. Mine are shown on first week when the form submitted. You applied the cards on branch or booth in shopping complex?

Not really, once shown on system, you have to apply to change it. But so far any merchant that accept Visa will accept Mastercard also.
And once you got this combination, you will be using AMEX most of the time only unless they are not accepting AMEX.

Changing the card in actual is like cancel your current card and apply for a new card. They are doing this to make your life "harder" it seems, but this si to protect you against potential fraud.

Don't do direct debit and pay on weekends. Might be tedious but this is to ensure you get that 5% CB

Still the same but if the debit done on weekdays, then only 5%
If I were that have WISE, use that, then sure can get 15%

That's why, all cards got its limits.

BTW, any of you guys when getting cash back of rm49.98 even spent rm1000 sharp on weekends?

Sheet
No wonder

Spend what ever I can spend on first 3 weeks. Last week will spend on bill. So those bills are paid extra.

Not really, just want to make sure money is still big and cash back are the best way. rm50+100 can consider as interest given by bank.

If 1.5% can consider.
If you don't have enough money to spend, then it means you have trouble on managing your money.
All those wealth planner are just bullshitting, if they are so good, then our debt this won't >90% against last year of 87%.
I'm borrowing some money to my friends just for them to pass difficult time. But then 1 of them everyday smoke, watch Astro and drink sheet water.
When you can't change your life style, such "service" will put you on more trouble after few years.

You must know how to manage your wealth first(all billionaire do this), this is the first step.
Next is to calculate the risk on borrowing money to make money. But most people misunderstand this and go for : borrowing money to spend. 2 different thing on this.

If not mistaken, default is online statement only. Can check out on M2U website on your account.

I go for e-statement(never bother to print also) directly and I always use rm1000 sharp

Well, you have to wait in this case or better give them a call to confirm.
Check your account balance will be fastest.

That's alot
Mine already paying for 4 houses

Net or gross? Net income will have better success rate, if gross income then hard a bit.

You no need to activate the cards and can use directly. But the pin you need to visit a branch to get the pins.

Yes in some sense, but I'll get another card(like WISE) to maximize the cash backs.

Guess with some fraud cases that's why they remove the auto activate. Mine never do a thing and can directly swipe.
The pin is for you to use ATM features.

Like that, no wonder
As I collect from bank directly

21 days are after the statement date.