U have to pledge at least 10k of FD to increase your CL to 10k . Ratio is normally 1:1.

MBB is famous for their ultra low CL mar

3x monthly income is just right for the majority of us . Anything more is not recommended.

But most Amex online merchant overseas does not support safekey yet ! Kinda hope Safekey could reach the same level as Vbv and securecode asap.

If you are seriously interested in MBB2 cards, try cancel one of your cards to ensure success application. Yes, you may try pledge FD for your 3rd bank application, please make sure 1) your ccris is clean 2) your current credit limit utilization rate is low 3) You got substantial amount in your CASA 4) your current card must not be pledged by FD. Most probably you won't get it... But still it's worth a try.

Let me tell you how to apply. I'm also working in SG and all my M'sians colleague got this card! So its not kinda hopeless as you say. To apply, it is best you visit Maybank branch in JB, preferbly the one in City square because that is the main branch and they handle a lot of Singaporean transactions. You bring whatever income documents you have ( IRAS NoA is a must !) If somehow you really want this card seriously, you can open a FD acct and submit the FD cert with your application as pledge.

If your income is short of requirement, and you have some spare cash, try open a RM 5k FD and pledge it to get the card.

No, that don't work. You still need to pledge.. If u r lucky, they may just need you to pledge for one year only.

The branch will contact you then, asking you to collect your FD cert, now that your FD is not secured under lien anymore.

That's not my case because i utilise almost 80% of my CL from day one, abeit its EPP. MBB must be mad at me because i never paid a single cent of finance charge so they decided to hold my FD as revenge
As for eFD , you may have to convert to one with a cert. not sure about that though.

Only apply for Premier 2 only if you are serious about accumulating Air miles eg Enrich or Krisflyer. For others, MBB2 is still the logical choice.

Worth every mile of it

Don't worry about this bro. As long as you constantly use this card and you pay in full every month, you will be satisfied with the benefit of this card. After all this is one of the best card around.

For those who do not have income statement, MBB does allow FD to be pledged and grant a secured CC. The minimum amount used to be RM3k. At this moment, minimum 10k is required for a MBB cards !

I never got that chance though. Got my card in 2012 by pledging 10k . The very day i get the card i went on to swipe RM7.2k ezypay at SenQ. From then on, my balance is always >6k but never incurred 1 sen of finance charge. So MBB must be very pissed off with me and decided to hold my FD as retaliation

Oops... maxis pay can use VS/MC only.

But autobilling only got 28.5% chance of getting CB !

Can. At Maxis Center , auto billing and thru M2U only

This post has been edited by Wongchoy: May 29 2014, 02:13 PM

If not mistaken up to a credit balance RM10k. You will need to call CS and tell them your plan... If not any trnx above 5k will be declined.

Yes you can do that. The max should be 10k. But you will need to inform CS for trnx amount greater than your CL. Or else trnx will declined.