Not really need, but next time please go to the branch and collect directly from them.
This is to prevent any fraud case later on.
When you have fraud case, is not the money involved that makes you in trouble, but you need to go to "nearest" police station where the fraud case happens.
Last time I do have such case(very LCLY because holding 5-6 cards) and I stay in Seremban. The fraud case happens in Puchong and I need to go to that police station to make report.

This post has been edited by supersound: Aug 29 2014, 03:35 PM

Secure your card like you IC, simple as that.

At least you no need to pay a signle cent and don't forget, you got the cash back. So from getting rm600 a year now you are getting rm500, still something.

Have to know that, not all merchant accepts AMEX. But for me that have another bank's card, so I do feel dual card are not that useful, but heck, I'm still getting 1TP, so I don't mind much on this.

AMEX's security are not that good and lots of fraud case. So this is extra security measure by Maybank, is troublesome, but this can more or less prevent any fraud.

Default is rm300, so you need to change it.

It is under Bill Payment main page, the bottom side.

Set aside the pre-approved issue, have you get your statement on this and charged rm50 GST?
If not, I'll just take the card since it is giving good cash back and TP.
If you are a regular customer of Maybank, they already know how much money you have, so why they need the so-called supporting documents?
A credit card does not really need approval which is the right procedure in the first place. You want a credit card, you can have it within 1-2 hours. Just that banks are lazy to make the card on the spot.
That's why always take the credit card on the agreed branch, this can prevent any potential fraud. Maybank cards no need to call card center to activate.

Usually they will monitor your payment record since you are not their regular customer.
Once you get the card, make sure to compare your current card and this MBB cards, which is better for your usage.

Unsolicited? I guess this is not considered as what you said.
Pre-approved does not means approved, it still need our verification.
And the bank do called, right.
Unsolicited banks like you said will be HLB, never honored what they said, like they put "dining" as cash back, but with small fonts until not much people can see and then say cannot get CB due to MCC different.
For my case even better, they can provide me the MCC.
Which is worst? A bank that call you first or a bank that does not honor what they said?

Got FD can increase your chances.
Or you are a MBB account holder for a long period of time.

AMEX are widely accepted in overseas, keep the exchange rate aside as all of them have their own and don't follow what our banks stated.
The advantages of AMEX over the other(Visa or Master) is the 5X TP you are getting for every rm1 spent.

If you want to get rm50 of cashback, yes, you need to swipe minimum 1 time(rm1000) or 100 times(rm10 each time)to entitled for it.
And to get GST waived, you need to have 12500 of TP minimum.
So in some sense, there will be "minimum" spending for this card.

If all spent on AMEX, else it will be more.
But for a person that always getting rm50 of max cash back every month, then it will be not a problem

May consider another bank's card. That's the main setback of AMEX in Malaysia, sad but true. But you can always maximize CB on others, TNB, Telekom for example.

Some Caltex(at cashier counter) also don't accept AMEX.

Must call, unless you are prepared to waste phone call money to let CS knows.
This is to prevent fraud.
And it will be better when you swipe using CC rather than use cash.
Certain countries even after the admin fee and conversion rate, it will still slightly cheaper, not to mention the TPs you are getting.

Indeed the charges are there, just that it is not obvious. Now I'm working in Qatar, changing cash before I leave Malaysia was rm0.92 for 1 riyal.
But when I swipe my AMEX in Qatar, with everything in only rm0.90.
Swipe with Master it will be lower, about rm.089.
Again, I choose to use AMEX is due to the 5X TPs. In Qatar, majority of merchant accept AMEX.

This post has been edited by supersound: Sep 20 2014, 01:37 PM

Yes

But bank when taking 2 years bonus you quiet only

Nope, just a security guard

Why want to pay extra? No point, better use that extra money for keeping 1 month FD.

Is normal, but they will give you a new card when there's potential fraud happens.

Case by case. But must understand that we can't bring too much cash to other countries.
And RM not all countries likes it. So like in Malaysia showing USD1 = rm3.2, in US you may need to use rm3.4 to change USD1 or worst case, they ask you got such currency meh?

AMEX is 3%? I never bother much.
As I bother much is when it shows in the statement. But so far it is still cheaper than I change cash, best of all, I'm getting TPs.