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Credit Cards Maybankard 2 Gold & Platinum Cards V11, Pls read post 1-3 & use Search Topic 1st

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SUSsupersound
post Oct 28 2014, 09:34 PM

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QUOTE(azeL_Inc @ Oct 28 2014, 01:32 PM)
Asked for credit limit increase, but got turned down. My limit now is not even 0.5 of my monthly salary, n always pay full amount every month..what a joke.  So much of a good paymaster record. Haha. Wasted my time taking effort to print out epf statement and submit application.
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What is your pay? If you got your card this year, applying to increase CL the chances of getting are very very high.
Either you use FD or wait till next year if you got salary increased.
SUSsupersound
post Oct 29 2014, 08:46 AM

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QUOTE(desreg2913 @ Oct 29 2014, 07:33 AM)
I think its not quite true, you need to activate your card...
And you have an option to activate it on Maybank2u, thus i have a question here, can i just activate one but not AMEX? Then I dun have to pay for the 2nd GST...
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Mine was activated when collecting the card as I collect at their branch.
SUSsupersound
post Oct 29 2014, 08:47 AM

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QUOTE(amxpayne67 @ Oct 29 2014, 08:44 AM)
What's the point not using AMEX? It's the main reason to get MBB2 card. The other one just for backup purpose, but still can earn TP right?
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Both also can earn TP, but 1 is 5X while another 1X.
SUSsupersound
post Oct 30 2014, 11:41 AM

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QUOTE(Nation of Sensation @ Oct 30 2014, 09:01 AM)
Okay, so I have been dumb all this while as I've been having these two cards (MBB Gold) for nearly 4 years and I've been swiping only my VISA card whilst keeping the AMEX inside the drawer.

Moreover, I have two questions to be asked:

1) I've just joined a new job. Can I request for credit limit increment just by showing them the offer letter?

2) I am more towards filing up petrol and doing some online purchases. Shall I opt for a different MBB card or the AMEX card should suffice?

Thanks!
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Let's see, for 4 years you using the cards, did they ever increase your credit limit? During this period, you have salary increment?
If both yes, then you can try with your offer letter. Else wait till you get 3 months pay slip hmm.gif
SUSsupersound
post Oct 30 2014, 11:57 AM

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QUOTE(Nation of Sensation @ Oct 30 2014, 11:53 AM)
3 months payslip? Hmm.
Alright then, gonna switch to AMEX rightaway!
My credit limit has been RM5k all this while. They never increased nor I was bothered to request for it as I am not much into spending using CC. And yes, my salary did increased two fold but probably Maybank wasn't aware about it. smile.gif
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They can know if your salary are bank in to MBB.
So if this is the case, suggest to ask for CL increase. No need to wait for new company's pay slip.
SUSsupersound
post Oct 31 2014, 10:56 AM

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QUOTE(lai_dm @ Oct 31 2014, 10:51 AM)
yes im using Maybank2 card - gold
i go back check my estatement,

i own uob card also, maybe the annual fee is actually from oub
thanks guy
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Most of the banks now are offering free AF, 5%(or above) cash back cards you have to pay GST(unlikely to get it waived) sweat.gif
Just do the maths, if you feel is not worth, just cut it. Simple as that.
SUSsupersound
post Oct 31 2014, 11:07 AM

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QUOTE(lai_dm @ Oct 31 2014, 11:00 AM)
ya , i will find out  which card change me AF, then ask for AF waive
otherwise, terminate it ..
thanks
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Find out then calculate, like HLB's STUPID card I still retaining it as it is still offering the best(8.25%) cash back.
SUSsupersound
post Oct 31 2014, 11:12 AM

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QUOTE(lai_dm @ Oct 31 2014, 11:10 AM)
u mean HLB wise card ?
8.25% cash back up to max how much can rebate ?
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Nope, is after paying AF(rm160) and GST(rm50).
That's assuming you spend rm1000 sharp on the categories you selected)
Swipe more or less than rm1000 will result to lower % of cash back.
SUSsupersound
post Oct 31 2014, 11:51 AM

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QUOTE(lai_dm @ Oct 31 2014, 11:41 AM)
bro u good in math
salute u
i also learn something here  rclxms.gif  rclxms.gif
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5 years back I always use cash to buy stuffs. Now I using credit card only.
rm50 cash you can use how long? I can use for 2 weeks. Coffee shop spending(does not accept credit card) daily is rm6-20(if spend friend for breakfast, and they will spend me back).
By logic, I'll be spending rm180-300 a month(or rm90-150 for 2 weeks), but why I still can manage it for 2 weeks? Using barter system thumbup.gif
SUSsupersound
post Oct 31 2014, 12:12 PM

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QUOTE(lai_dm @ Oct 31 2014, 11:58 AM)
50 bucks 1 week finish lor, if i duwan to eat, my partner also wan to eat ... too bad haha
nowadays everyday mahal, thanks to our bee ant government ..
really salute u if u can manage 180-300 a month.

well financial manage, bro  icon_rolleyes.gif
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That's why you need to have strategies on how to make you rm1 worth rm1 thumbup.gif
Like the coffee shops I visit, I know they need Milo badly, so this is what I'll bring to them(got it for rm27 and sell them at rm30), so bring them 3 bags I can drink for 1 month FOC thumbup.gif
SUSsupersound
post Nov 1 2014, 10:06 PM

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QUOTE(azeL_Inc @ Nov 1 2014, 09:48 PM)
I don't think u read my post clearly, i wrote my CL now isnt even half of my monthly pay.
So my current salary isnt the reason why i m not getting the CL increase request approved, nor the increase of salary would change much.

Got the card 2-3 years back. All cards that i apply now (from other bank) give me 3x times of what MBB2 CL is, so i guess they probably dont like me as i m just keep taking their money (from cash back and treatpoints), rather than giving them (i pay in full every month). haha
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My MBB also CL 2X from my salary, but I'm sure it will be increased soon, since for the past 3 months, I always swipe 80% of the CL.
Banks is like that, when you get your card with low salary, the CL indeed will be very low. But once you earn more, they won't bother or know also, until you submit application.
SUSsupersound
post Nov 2 2014, 07:51 AM

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QUOTE(zero721 @ Nov 1 2014, 10:09 PM)
Normal maybank branch. Plus the guy said my salary is go into maybank. So he don't even ask for salary slip, or anany other documents. He just asked me to fill in the form and passed to him. That's it.
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Mine also applied using this method and got it within 3 weeks(the actual card while approved within 1 week), did he says he will recommend you? If not, this may is the reason(not enough documents).
SUSsupersound
post Nov 2 2014, 07:55 AM

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QUOTE(speedo @ Nov 2 2014, 12:14 AM)
Hi.
If i want to spend at singaore using this amex or mc, how is the rate? Or better use cash?

Thks
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SG? Guess using card better.
Different place, different rate, very hard to tell. Like I'm working in Qatar, I thought using card was better. But after visiting 1 of the exchange merchant, the difference could be > rm0.05. But before I went there, change in Malaysia was higher.
But in overseas, AMEX are widely accepted unlike Malaysia sweat.gif
SUSsupersound
post Nov 3 2014, 02:32 PM

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QUOTE(cute_boboi @ Nov 3 2014, 02:19 PM)
AFAIK, MBB is quite strict on CL increase. I have other banks CC which gives me 2-3x my MBB CL.
Not sure if someone mention before, but you may submit your 3x latest salary slip and fill up form at counter to request increase CL.
I did that before and still, it was a very minimum increase.
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Hope I can get my CL increase, just did a request for temporary increase.
SUSsupersound
post Nov 3 2014, 02:41 PM

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QUOTE(cute_boboi @ Nov 3 2014, 02:39 PM)
My emergency temporary CL increase from MBB took days to approve, and the amount is not enough also.  doh.gif  doh.gif
By that time, I already end up using other CC to settle already, transaction/payment already went through.

As what I have stated in this thread (earlier versions) many years ago, using MBB CC and getting the rewards are fine, when you are dealing with the system/online.
But when need to deal with MBB CC people, whatever it is (application, request, approval, check, etc.),  I only have this to say -> rclxub.gif  doh.gif  vmad.gif  mad.gif  rclxub.gif
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I'm requesting rm10000 increase. Will let you know on Thursday.
SUSsupersound
post Nov 3 2014, 02:49 PM

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QUOTE(cute_boboi @ Nov 3 2014, 02:43 PM)
Good luck, but not saying bad thing, most likely reject  tongue.gif

Update me here ya, and congrats if approve  icon_rolleyes.gif
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Mine are just to buy flight tickets, should be ok gua.
Just wait and see.
SUSsupersound
post Nov 3 2014, 04:08 PM

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QUOTE(raptar_eric @ Nov 3 2014, 04:03 PM)
anyone know which number i can call to check on my upgrade status? went to card centre in gardens, cakap 1 jam, but no updates still lol.. the day i went was past processing hours, so i could understand... but til now no updates yet

the general number 1300-88-6688 doesn't seems to have option for status checking
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The stupid question I would ask is, how many days already since you applied it?
Do you have M2U account?
SUSsupersound
post Nov 3 2014, 04:26 PM

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QUOTE(raptar_eric @ Nov 3 2014, 04:22 PM)
last thursday, yup i do have M2U account... in processing status, called the card centre to check... just need to talk to the CS...

however, my CL has been increased.. no idea why, never requested for that, but CL increased all of a sudden... card remains the same in M2U
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Today is just Monday whistling.gif
Should know the result by Thursday.

QUOTE(yarusaru @ Nov 3 2014, 04:23 PM)
so the trick with this card is to use AMEX to the MAX lah, is it? biggrin.gif
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Yes, as the other card basically are balia card sweat.gif
SUSsupersound
post Nov 4 2014, 12:57 PM

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QUOTE(kinabalu @ Nov 4 2014, 12:50 PM)
How do u upgrade ur card from gold to platinum?
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Use FD(not recommended) or show your latest EA/BE that prove your income are > rm60000.
SUSsupersound
post Nov 4 2014, 01:02 PM

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QUOTE(kinabalu @ Nov 4 2014, 12:59 PM)
definately wont use FD! just locked down in 4% upfront promo.

and my income is 50000 <  cry.gif  between cry.gif < 60000

Hence i got the gold card.
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Basically the main difference are only the flight insurance. When you can use it? You should know sweat.gif
But if still insist to get it, suggest wait till next year when you got your salary increase.
For the time being, try to make prompt payment. Spend rm3000, settle it before due date.
Yesterday just apply to increase CL for flight ticket purchasing, now pending for status.

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