Maybankard 2 Gold & Platinum Cards V11

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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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nimrod2	Oct 16 2014, 09:54 AM Return to original view \| Post #1
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(poweredbydiscuz @ Oct 16 2014, 01:49 AM) http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions Sign up for Maybank 2 Cards now to amplify your life! Just swipe 3X on each card to enjoy RM100 Cashback. they say that must swipe 3 times on each card first. so must spend using the mastercard as well right? just to clarify. QUOTE New Maybank 2 Cards Cardmembers are required to apply and to spend 3 times with any amount on each card to be eligible for the RM50 Cashback on each card within 60 days.
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nimrod2	Oct 16 2014, 03:21 PM Return to original view \| Post #2
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(maskedchan @ Oct 16 2014, 09:56 AM) yes.. hint on how to spend... RM1 for petrol QUOTE(poweredbydiscuz @ Oct 16 2014, 10:14 AM) If you swipe 3x on amex only, then you get RM50 only. Like previous post suggested, just swipe 3x small amount on your master/visa then you get another RM50. QUOTE(victorywp @ Oct 16 2014, 10:26 AM) and at caltex as you will get 3% cb off that rm1 x 3. lol... hahaha good tip there. thanks for sharing, i have a lot to learn.
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nimrod2	Oct 27 2014, 10:25 AM Return to original view \| Post #3
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	my mbb2 card got rejected cos of high commitment (as mentioned by the officer). anyone got an idea what's their definition of "high"?
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nimrod2	Oct 27 2014, 10:37 AM Return to original view \| Post #4
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(maskedchan @ Oct 27 2014, 10:34 AM) car loan, house loan, personal loan, unsettle cc payment, ptptn and etc... yep i know the usuals. i have a car loan i settle on time, a house loan i just applied but havent started the installment yet. two cc's - one is about 15% outstanding and another at 80% outstanding. i have a feeling that the 80% is the one causing me to be rejected. dumb UOB card with low CL. if i settle the UOB then can i reapply? or is there a cooling off period for the application. my initial plan was to transfer all the outstanding to mbb to relieve my cash flow abit.
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nimrod2	Oct 27 2014, 10:42 AM Return to original view \| Post #5
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(victorywp @ Oct 27 2014, 10:40 AM) 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? hmm if not the outstanding balance, then i'm abit confused as my only commitment for the moment is my car. the monthly installment for the property hasnt begun as the disbursement for the loan hasnt been completed yet. car + property (when it kicks in) is only 50% of my gross income. i dont think that would be a deciding factor? (though i could be wrong)
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nimrod2	Oct 27 2014, 11:12 AM Return to original view \| Post #6
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(victorywp @ Oct 27 2014, 10:47 AM) 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 thanks for the clarification on the calculation. is that ratio healthy and what should be the limit on the ratio?
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nimrod2	Oct 27 2014, 12:17 PM Return to original view \| Post #7
the imba one Senior Member 2,521 posts Joined: Jan 2006 From: UrbanSubangJaya	QUOTE(supersound @ Oct 27 2014, 12:16 PM) They let you know the reason? Heard from some keyboard warriors here says that this is not possible to know the reason i have the cc officer's card and thus asked her directly about it. cos i got the rejection letter from maybank thru mail.
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