Change the statement date to end of the month.

TNB bill should have bill number, is on the top side.

First of all, have to say sorry to you guys, I've been 6 months never check my bill as I registered TNB's online service, so each month I can know the bill number.

Still getting phone calls from HL group, promoting their insurance policies.

Will he be that <5%?
Better go Toto and try 6/52

Basically if they want to waive you, they won't "charge" you. Like mine I got nothing in my statement after 1 year of usage, but GST yes.

Yes, indeed you need to do so.
But for dining, you may not be getting it if they are using different MCC.
In fact, each category you choose also they can play around with you, like petrol only can use swipe at pump, swipe at counter will not be getting. Groceries for Aeon Seremban 2 get 0 cash back. Happy testing

MBB's dual card are more suitable for you, since you have no cards.

rm5000 is gross income, right? If yes, then will get rejected. Also both of your current card's CL are almost same as your income
Tell the officer, you need to know the reason or else you will report to FMB.

When an application being rejected, they will know the reason. If they refuse to tell, I'll let third party to intervene.
Again, I know you guys trying to protect HLB, but for me if there's any wrong doing by bank I'll report it directly.
I may not getting my answer that I need, but at least somebody need to headache for it.

My HSBC application I know the reason after I see their manager.
As said, is matter you want to make it big or not, simple as that.

She show me on her PC. Is good enough already since I just want to know.

I won't tell you, since you are always trying your best to protect HLB and trying to do personal attack on me. So, nope, you won't know.

If you don't have any cards, this is not the first card to get as it will dilute your cash back.

This stupid card only allow you to choose 2+1(mobile is default) categories, you need to swipe rm50 and above for 10 times a month only can get cash back. GST and AF(95% can't get waived) you need to pay also. You shall not apply for platinum card as AF is very high at rm300 and offer same benefit as gold card.
If this is your first card and you choose groceries and petro, you swipe others does not gives you ANY cash back.
First card I see still the best is MBB's dual card, cash backs on weekend and 5X TP everyday using TP. I just redeem rm630 of vouchers yesterday with all the points(1000pts = rm4) I collected.

Well, is up to you.
If this is your first card, total cash back will be < 8.25% if use it as primary card:sweat:
What is your total spending anyway? rm1000 and lesser?

This post has been edited by supersound: Oct 27 2014, 09:07 AM

For your case, you have to choose petrol and utilities, so total cash back will be about rm65(if not mistaken Maxis fiber is rm0 cash back). Total monthly spending is rm1000(assuming your grocery spending rm130). 1 year is rm12000
rm65*12=rm780, after AF and GST, your cash back are only rm570 or every month rm47.5. So your cash back only 4.75%

As for MBB's dual card calculation, most of your spending can be swipe using AMEX, so every month should able to hit rm50 max cash back(must swipe on weekends only).
Again, total spending rm12000, with 5X TP you are getting 60000pts a year and you can use 50000pts to change cash vouchers(AeonBig can get rm210), you said before GST of rm100? Ok, rm210 cash voucher use rm100 to pay GST, you still have rm110. rm110+rm600(weekend cash back), every month about rm59. In actual, you are getting 5.9% of cash back, with balance of 10000pts of TP that valid for 3 years, so on third year you are getting another rm210.
And M2U interface are very easy to use, 1 account you can do most of the transactions. With WISE you need to register another account.

Which is the better first card for you? Guess my explanation will says MBB.

Not just BHP, most of the petrol station(especially smaller scale) will reject AMEX, this issue already came out before on newspaper. Visa/master are charging 2-3% while AMEX charging freaking 4.5-5% from merchant. The outcome still unknown(but heard that Visa/Master willing to charge 1% only).
Yup, that's the setback on AMEX, before I get MBB, I'm using OCBC.
Another card you may consider is HSBC's, also on weekends only
Guess you need to have a strategy to get the most from the cash back. Like my WISE I'm using it to buy Milo and sell back to coffee shops

Yup, you know your spending the best.
Indeed AMEX are sort of "balia" card in malaysia.
For me I got no issue on using AMEX since I have both MBB and WISE, combine both of them are still the best way to get the most out of my spending. WISE for groceries, petrol while AMEX for others.

14-21 days of waiting period