agreed with cherriedpie on the notion that the product should be friendly, transparent, and straightforward.

any good product have these attributes in mind when they developed the product. sadly, not many companies enphasize on these. however, a very good example is Apple

ok back to cards.

warning: tl;dr

these banks doesnt bother (much) on user-friendliness in using their cards. heck, i sense these product managers are even geeks/nerds the way they design the cards' features, it's almost designed for rocket scientists, rather than for papa/mama.

at one part, it's the long-standing legacy systems used by most banks. most been used for decades, some maybe newer (e.g. recently core systems upgrade carried out by CIMB during CNY 2014).

the cards behaved such way because they are "working around" the system limitations.

for example mbb2amex gives 1x+4x TP. my best guess is the 1x is the base TP logic designed much earlier for their Reward program. when mbb2card launched with 5x (or any other promos), instead of messing up the 1x TP logic, they added the bonus TP instead. effectively, users still get 5X. however, the workaround confuses the users when they view the TPs in bill statements (yep, i couldnt wrap my puny brains viewing that too. as mgb suggested above, as long as the correct TPs are credited, i'm fine with it.

considering there are millions of mbb card users, tweaking the system logic or even the bill statements have larger impacts, for the better or worse.

too bad, they dont have (any?) budget for A/B testing or focus group, to see which feature works or which dont. they ASSUME the cards will be well acceped, but no one card can fit all type of users with infinite spending behavior.


HLB Wise has the highest CB but also the hardest entry barrier to qualify for CB (10x RM50 trx qualifier, RM100 cap, seleced categories, etc.).

MBB2Card has a decent CB but also have certain barrier (weekend use only, RM50 cap, unlimited categories, etc.)

so on and so on.


and back to Apple. their products are friendly. nice. sleek. elegant. yet i still never own any iDevices in my lifetime. period. why? cuz i hate it. too conformed to its Apple DNA. yuck! so i choose android instead. Samsung previously, now "converted" to Nexus 5.

so choices are there. adapt with it or make alternate choice at least we have tens of cards available to cater any type of users.

come to think of it, yeah, my paypal transactions also within same day, although I did it on Sunday morning.

Transaction	Date/Time
PayPal Receipt	Feb 9, 2014 07:23:22 GMT+08:00
M2U Transaction	Feb 9, 2014 (Sunday)
M2U Posting	Feb 10, 2014
PayPal Receipt	Aug 18, 2013 08:49:25 GMT+08:00
M2U Transaction	Aug 18, 2013 (Sunday)
M2U Posting	Aug 19, 2013

This post has been edited by cybpsych: Feb 27 2014, 10:18 AM

low CL is good to avoid fraud mine still stucked at 8K, only applied temporary CL increase once for oversea biz trip.

temporary CL increase can be done especially for your upcoming wedding dinner. tell CS the reason and expected month, they'll escalate this request internally.


if you consistently over CL every month, then setting a permanent increase is recommended

congrats!!

Try again later, probably after noon. Just temporary issue. Furthermore we've just crossed into March, maybe system refresh/restart.

guys, just curious.

can we ask MBB to generate bill-on-demand for credit card?

seems M2U transactions are not updated yet, but i'd like to check some transactions.

no idea at all mbb doesnt seem to verify what type of transaction goes thru amex when calculating cashback. it's more to day/date-specific (i.e. weekends)

if the amount is small, can you try it out?


so far, my purchase via paypal did on Sunday morning (local), and charged on the same day Sunday (local). havent really tried on Saturday, but if it's same-day-charge, then probably safe.

just curious: how many bill cycles does Maybank credit card have?

so, for us malaysians, MSOS is good enough. if paranoid, enable SafeKey for Amex too

from FAQ http://www.maybank2u.com.my/WebBank/MSOSFAQs_171013.pdf :

Not bad!

Pay 2 months of Unifi bill (vip5 @ RM150) then automatically qualified. Furthermore will get about RM15 cash back from it as well.

Those with high tnb bill oso good already.

Yup, it's a contest. The qualifiers are realistically-achievable

No weird t&c or super-high spending just to even get an entry.

Thx for sharing!

hmmm from the t&c stated:


that means 1 entry for every RM300 (cumulative)? if within the campaign period i've spent RM900+, i will get 3 entries?

also i think as long as transaction made in M2U to pay utility bills/assessment fees, it's already qualified.

lemme call up Maybank for info

*updates from Maybank:

1) All payees under Utilities and Assessment category in M2U-Bill Payment will be qualified.
2) Cumulative of RM300 will qualify for 1 entry. Multiple of RM300 will be counted as n-th entry, e.g. RM600 will get 2 entries, RM900 will get 3 entries, and so on.
3) No restriction on transaction count, e.g. you can pay your Unifi or TNB bills multiple times. As long as total qualified amount meets the RM300/entry criteria, you'll get 1 entry.

seems ok though

This post has been edited by cybpsych: Mar 7 2014, 07:47 AM

no minimum spending. every amex transaction counts.

the smallest swipe i did were movie ticket @ RM12 and starbucks @ RM13.25

to fully obtain the RM50 cashback per month, total monthly spending is RM1,000.

any additional spending after RM1K (weekends) will not contribute to the cashback (capped at RM50), but you'll still get 5X TreatsPoints regardless (everyday).

This post has been edited by cybpsych: Mar 8 2014, 10:17 PM

if hlb wise doesnt have the minimum 10x RM50 retail transactions qualifier will be truly much easier

Nope, I tried before for GSC via PayPal.

what is your bill statement date?

the cashback is for 1 full calendar month of transactions. your 1st March swipe will be eligible for March cb calculation.

the transaction listed in your Feb bill is due to statement cut-off period.

yeah, Starbucks is slow posting the transaction in M2U.

I swipe on 1 Mar (Sat). The transaction only show up in M2U on Tuesday (4 Mar). Luckily, Transaction Date = 1 March. Posting Date = 2 March.

I was wondering what the heck happened to my Starbucks transaction. Called up CS, they say my Starbucks transaction was in "floating" mode, hence not showing in M2U. Most likely Starbucks didnt release the transaction fast enough.

'bout Unifi, rest assured. It goes thru immediately. No abnormal delay too.

i am unlucky this month. Swiped for about RM965 on 1 March alone. Miscalculated that I need to pay Unifi!

As of today, my CB quota already hit RM49.99. FML

3 more weekends to pump petrol (estimated RM4.50 CB "loss"). Now stop all retail spending until April come


p/s: At petrol pump, how do you set a fixed amount before pumping? Still couldnt figure it out LOL

thanks guys, will try this

yeah, still can spend to get the 5X TPs, but immediate cashback is preferred

i can control my spending to sub-1K per month. mbb2amex is darn good for me liao.

i cannot, however, spend so much just to qualify for 10xRM50 per transaction in a month. if no such qualifier, i'd have gotten this card longggggg time ago.

my spending behavior: petrol pump in a week is around 30-35, enough for around 300KM, and with some to spare. telco bill is <RM30 per line (postpaid). seldom dine out or doing groceries (1-2 times per month only). no utilities bill to pay (due to low usage, already subsidized fully by tnb/syabas).

most of my high-spending (every few months) is not in WISE's cashback category (computer parts, car accessories). Unifi is not qualified for cashback. splitting bills to 3xRM50 is not "wise" considering i can easily get around RM7.50 cashback with mbb2amex already. WISE give me none.

so WISE is not practical for my spending. banks doesnt make much money from me via credit card bottom line, i save more by spending less.