ptptn tak kira... ccris cannot see it...
this is also one of the reason many people tak mau bayar balik...

not necessary based on outstanding amount.
you try to add up all your loans amount including the credit limit of all your cc. then compare with your annual income. what's the ratio?

if your home loan is approved, that amount is shown in your ccris (although you have not start paying), and it will be counted as well.

for example,
car loan rm100k + home loan rm300k + cc1 cl rm25k + cc2 cl rm25k = rm450k
annual income = rm100k
ratio 1:4.5

this is just one of the many factors in the evaluation. if your monthly outstanding settled on time with no problem, you still may get another loan approved or another cc approved, but the amount may be smaller.

yes, you may pay first and redeem later once you have accumulated enough tp for it.

yes, you can redeem both rm50+rm50 (for both cards) at the same time if you have enough 25k tp.

you can only redeem for gst, not to convert to cash.
if you only have 1 gst you can only redeem once annually for rm50 with 12.5k tp.
new mbb2cards holders now have 2 gst amounted to rm100.

double post

This post has been edited by victorywp: Oct 28 2014, 01:24 AM

last time my disputed transaction amount (around rm7k-rm10k if not mistaken ) with mbb last for around 2 years and the late charges and finance charges accumulated monthly for that 2 years.

mbb did not take out the disputed amount during investigation. i was disappointed because they took too long and they spoiled my record. so after everything settled, i cancelled all my mbb cc and stop using mbb cc... until... mbb2cards came into existence. lol...

my dispute is under the monitoring of bnm, with every of my follow up email cc to bnm as well, but still, mbb took ~2 years to solve it.

the problem is new cardholders now need to spend rm5k to get 25k tp for the double gst.

OT: now, for top 2.5kg...
aeon selling rm9.49 until 26/10 (expired).
econsave selling rm9.90 until 04/11.
the store selling rm9.99 until 02/11.

This post has been edited by victorywp: Oct 28 2014, 02:24 PM

yeah, i have shared many times about the smartshopper app: https://play.google.com/store/apps/details?...rtshopper&hl=en

how dare they turned 3xxx down??? so what you did in the end and made them regret of their decision?

last time mbb delayed my dispute for ~2years and after it's settled, i cancelled my mbb cc... and also asked my whole family members cancelled their mbb cc. lol...

but after few years, mbb2cards came about and i applied... and asked my whole family members applied too. lol...

actually there is no charged, returned, and recharged. the rm200 is just being blocked (and will be released) while the real amount will be charged and posted in your statement.

1) once approved, both your cc is charged with the gst rm50 each even if you have not activated it.
2) do you mean activate amex but not the other? because benefits of using mbb2cards are all in the amex.

yes of course.

not affected.

if it's your first time, just call and ask them to waive it.

the good part is just the cb and tp.