guys
i had a complication here

should i apply for conversion and apply with balance transfer 0.375% p.m for rm10k/24 months

or

should i apply for conversion, transfer full amount, and apply balance transfer promotion with 0% for rm10k/12 months

or is there any chance for maybank to automatically convert my application to promotion terms n condition?

i see
i forgot that 12 months is actually charging a flat rate interest of 3%
whereas the 24 months is actually charging 0.375% based on reducing balance.

ya good suggestion
will proceed with the 24 months first
and then initiate 2nd balance transfer to Public Bank

Well, depends on luck one la and I don't know how it assesses individuals.
Not like the requirement is high, so low yet keep rejecting people.

Luckily they approve me this time, else I really can say goodbye to it and move on to Maybank Visa Signature.

RM 20K

Yup...
Pledging with FD to get MBB VS,  is Nothing  Concerning with Your Salary earning, rite... even your Salary Rm 4K per month also can have This card with RM 20,000 FD Pledging.

Kedua~duanya tiada berkaitan...

Nil with Both becos MBB very Stingy with their Credit Card CL or strict  with their CC's App Criteria...

No Harm to Try...

yes i do have mbb2 cards...ive asked for split the limit...but the operator can't confirm. She said need to wait the official call or letter then can know why rejected

I actually regretted.
I think I will write to request 2k to be split or ask for only RM 1k without touching my CL.
Maybe not, ask for 2k then.

Will write to request for 2k. Hope they won't be pissed with me.

I used to call for spliting 3k to ikhwan from mbb2
In the end no splited, so i got the extra 3k ikhwan

My God! I forgot about RHB, actually six cards approved.

As answered by alexanderclz. However, I love seeing high CL.
Wait till any of my applications is rejected, I will reduce others lo.

That said, for Ikhwan I guess this doesn't help...

I got the credit limit increased, that is only after 5 years of using it.

Received an update from Maybank, my CL is reduced to 2k already but still pulled out from my existing limit. Checked in M2U already reflected today. My M2Cards Plat's limit has increased by RM 1k.

They even sent me the Poslaju consignment no. and already reached KL Sentral today, looks like I will get a call from them to pick it up.

Edit: Just checked my Ikhwan limit is RM12,000.00. I'll keep quiet.

I think it was a mistake. Shh.
In the last email, the CS whom I have been dealing told me my limit has been approved to RM 2k. I checked my conventional credit limit and indeed has increased by RM 1k so I assumed Ikhwan will be reduced to RM 2k only. Then I checked and it shows RM 12k.

I didn't do anything especially it was supposedly a split limit. Now indeed my conventional limit has been reduced with 2k but Ikhwan has 12k.

Can two months consider recent? Subject to the efficiency of the staff and also the system availability as well as your sufficiency of supporting documents. If all ok, I believe there is a chance to get within couple of hours. The day when I applied at KLCC, it happened that their system down, but midnight the card was reflected on M2U

Why would you need a charge card?

Ya, I also curios to know why Charge Card...???
You Need to have an Excellent Credit History to get a Charge Card

https://forum.lowyat.net/index.php?showtopi...post&p=73281819

Charge Card- “No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources.”

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