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).

maybe you should reconfirm with them again, whether you could use your IC to collect the card...
i remember to collect my card without having the letter..
but for my case, it a replacement card..

so i not sure it will work for new application though...

yeah it's better to activate later, i realized that you can transfer money into the credit card when it is not activated

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.

it doesnt actually charged to your card.

it just pre-allocate a certain amount from your card (cuz using card, it's use-first-pay-later). once transaction is completed, the RM200 will be released/canceled  immediately and actual transacted amount will be charged instead.

yesterday i tried to preset a certain value prior authorizing card. i still gotten SMS notification of RM200, but actually charge is only the preset amount.

no worries, most of us aware of this. If this is some kind of scam/system loophole, banks & petrol operators already gotten more complaints liao 

yes, you can reload TnG with AMEX. problem is to know where.

so far, only one Petronas station accepts Amex to reload TnG. Google Map: https://maps.google.com/?ll=3.050373,101.62...002642&t=h&z=19

I whacked RM400 into TnG earlier this month (will be expecting RM20 cashback for using Amex during weekend). Do note Petronas has 1% cash surcharge if you use any credit card to reload TnG. So, if you reload RM400, surcharge is RM4 only. you'll get back RM16 in effective cashback

do follow-up this topic: https://forum.lowyat.net/topic/1803385/+1720

check this old topic, relevant though https://forum.lowyat.net/topic/671053/all

not sure if amex epp treatment is the same as visa/mastercard epp. some reading at Maybank http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

no exp EPP with Harvey Norman, but EPP with Amex in SenQ.

Eg: EPP RM1,200 for 1 year, so RM100 per month, your CL will block by this amount and will restore back CL by monthly payment until the end.

If there have come with 0% interest, mean no extra charge from the bank, and you can see your receipt when you sign, there will indicated of monthly amount that you need to pay.

As I know, some shop they will slightly increase the price of item that you going to EPP, not sure about this.

Yes you are correct, CL will be restore each month and block for whole amount from your CL.

About TP, there will be one lum sum as calculation. Mean you will be received rebate RM50 plus your point for your next statement.

Different credit card different process, as I know uob is doing each month return for cask back.

Here is the steps

http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal