I supposed the Visa is Petronas Visa Ikhwan?
Er, looks like it was your mistake for applying the wrong card. Just cancel it and re-apply Maybank Ikhwan MasterCard?

Potong semua and ask for a Ikhwan Mastercard

request to convert maybe

Islamic product has the same shared credit limit.

Just request for 1 Mastercard if lazy to argue lo.

Go to Gardens and request for one?

Or can call in and ask one. Coz shared limit, not procedure.

Since already approved once.

This post has been edited by chiahau: Oct 7 2015, 08:37 PM

if i purchase electronics from giant. does this count as groceries?

Yes. Similar to TESCO too but not at AEON.

This post has been edited by David83: Oct 7 2015, 09:53 PM

Merchant has to do the settlement on every terminal daily and usually at night time as once this procedure are done, it will become next day already. So some are doing it late night. Is normal for posting date are always later than transaction date.

This is what I love on Maybank cards

You need to double confirm before applying Maybank cards, last week when I want to apply my Ikhwan gold mastercard also the same, the officer don't know what is what

That Petronas card no doubt are offering high TP, but i don't want to destroy my engine, so no Petronas petrol for my fake Lancer

Being using this card for 1 month only.. this is my first credit card.. i got a question.. i always clear my outstanding balance.. however, the statement balance is still there.. The statement due date was 28th Sept.. i cleared all the outstanding balance before 28th.. Anyone can guide me on this?

statement balance will always be showing your last statement amount.

once new statement is out (8 Oct), the statement balance will be reflected accordingly.


no need to clear ALL outstanding amount geh. just remember to clear statement amount by due date. the remaining outstanding (called Unbilled Outstsanding) will be "converted"/billed in your next bill (8 Oct).

how long should I wait after submitted the form? should I call maybank to know the status ?

Give it about 1 week before you call.

If you really want to know, try the maybank hotline and press some number with the automated caller thingy.

I see.. Sorry for noob questions because this is my first credit card.. In what situation will I be charge interest?

And when is the bill cycle? because the statement only show up on 8th but due on 28th.. Thats not even 1 month..

This post has been edited by Aquariusdenz: Oct 8 2015, 05:03 PM

Free interest period for all credit cards is 20 days not one month.
Your bill cycle is 9th of this month to 8th of next month.

This post has been edited by fruitie: Oct 8 2015, 05:08 PM

Ok now I get it.. I swapped something on yesterday and today, but it havent post up yet, so these amount will show up tonight after 12am or 8th of next month?

Noob question here.

free interest is 20 days in bill cycle or from purchasing date?

e.g : bill cycle 9th of this month to 8th of next month.
purchase on 20th/oct. so i got 20days, or 8 day left?

It depends on the merchant. It can be posted today or tomorrow.
If it is posted after today, you get more free interest period as your due date will be 28th Nov.

Bill cycle.

Purchase on 20th Oct, you will pay only on 28th Nov as it will be posted in Nov statement.

so the trick is, purchased on early bill cycle right?

Sorry, I made a mistake. Your case is statement date on 8th. Your cycle is 8th of this month to 7th of next month.

So yeah, to answer to your question, purchase on early bill cycle.

is it better if i pay bills (Maxis, Unifi, Insurance,tnb) using credit card so that i can collect points instead of direct bank transfer to pay for the bill?

Of course but RM 1 = 1 point is nothing impressive.