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 Maybank Islamic MasterCard Ikhwan Platinum/Gold, Another Fantastic 5% Cash Back Card

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victorywp
post Apr 9 2015, 10:42 AM

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QUOTE(Black Red @ Apr 9 2015, 09:29 AM)
I totally forgot bout the TnG card and just whatsapp her few hours later. if I received the card, can cancel the TnG card?
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don't activate it will do.
victorywp
post Apr 9 2015, 05:06 PM

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QUOTE(koinibler @ Apr 9 2015, 05:04 PM)
That is an ill advice.
Inactive card is still alive but unusable. Hopefully no one use it for any wrong doing. If don't want it better call cs to terminate.
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i mean don't activate the zing tng function. just use the cc as normal. nod.gif
victorywp
post Apr 10 2015, 04:02 PM

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QUOTE(fruitie @ Apr 10 2015, 03:38 PM)
Just called 03-5891 4777 for pre-approved card.

Double and triple confirmed that, my CL from M2Cards Plat will not be touched. It is a separate limit...

I'm a bit worried but she assured me it won't be affected. sweat.gif

I also asked not to have TnG function, she said she memang didn't choose for me. laugh.gif

Am I being over-paranoid? laugh.gif

Now let's see if my request will be approved. hmm.gif
I requested to collect from Maybank KL Sentral.
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as expected, your salary is high enough to cover your commitment lor. brows.gif
victorywp
post Apr 20 2015, 01:53 PM

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QUOTE(fruitie @ Apr 20 2015, 01:50 PM)
Latest update, my card application got declined. doh.gif

That's totally unacceptable when I'm already holding M2cards since 2011. Now they said I can only apply after 6 months. doh.gif
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what?! perhaps divide your cl out the other day would be better to secure a ikhwan... sweat.gif
victorywp
post Apr 20 2015, 02:10 PM

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QUOTE(Alec.Yong @ Apr 20 2015, 02:08 PM)
For those who has both Maybank and Maybank Islamic credit cards.

Does the CL of Maybank credit card will be affected if you apply for Maybank Islamic credit card?

For example,

Currently with Maybank credit cards, total CL is RM20K. When applying for Maybank Islamic credit card and get approved. Will the Maybank CL will cut?
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it's separate cl. you may opt to cut your existing m2cards cl to get an ikhwan though.
victorywp
post Apr 20 2015, 02:24 PM

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QUOTE(Alec.Yong @ Apr 20 2015, 02:12 PM)
I know it's separate...

But what am I facing now is...

CS told me that the CL from Maybank will be cut once the Maybank Islamic card is approve.. shakehead.gif
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QUOTE(Alec.Yong @ Apr 20 2015, 02:15 PM)
The CS who entertained me said that, if the Maybank Islamic CL is RM10K, then they will cut the CL RM10K from Maybank, put into Maybank Islamic... rclxub.gif
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QUOTE(Alec.Yong @ Apr 20 2015, 02:15 PM)
My concern is... don't cut my Maybank CL.
Separate is ok...
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if your income can cover all your commitments (obviously you can), you may ask to have a separate cl for your ikhwan without affecting your existing m2cards cl. but if they found out you are not, then they will reject your ikhwan application. if you are worry and want to secure the ikhwan card, you may just agree to cut the cl from m2cards to your ikhwan, then later apply to increase your m2cards cl. lol...
victorywp
post Apr 20 2015, 02:37 PM

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QUOTE(Alec.Yong @ Apr 20 2015, 02:29 PM)
I think it was something to do with the CL reason. For the past few months I did apply for one local bank and one foreign bank's card, both also get decline... sad.gif  shocking.gif  shakehead.gif

shakehead.gif  shakehead.gif
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betul ke ni? tell me which banks has no future vision by rejecting a future billionaire like you?
victorywp
post Apr 20 2015, 04:17 PM

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QUOTE(pisanq @ Apr 20 2015, 04:01 PM)
How to separate conventional CL & islamic CL without cutting some % from your existing conventional CL? If your current income only eligible for RM X CL and your existing conventional CL already assigned with RM X CL, your new islamic CL need to "eat" some % from your existing conventional CL so you will have two split conv & islamc CL at the end which total of RM X
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can, the new islamic cl will be treated the same like you apply for a new cc under another bank. means if your current income still available to have another cc, so it will not affect your existing conventional cl.
victorywp
post Apr 24 2015, 04:52 PM

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QUOTE(fruitie @ Apr 24 2015, 04:00 PM)
I just made another call to Maybank to understand further. Finally, they revealed the reason for my rejection and I'm not able to appeal due to this reason. So, I have no choice but to wait till it passes the cooling period which is 6 months later.

My reason was high exposure. In layman term, my income is too low to have two separate credit limits la. sleep.gif They evaluate my income vs my spending and commitment and I guess they feel that I cannot afford to pay them back. sleep.gif I responded that I have never owed Maybank a single cent so far, I don't see why I should be rejected. The guy kept apologizing and said it is management's decision.

CC maskedchan, since you suggested I called the CS again. tongue.gif
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actually bank also is doing business = to gain profit.

when they analyse you of having high exposure, it doesn't mean that they feel you unable to pay them back. it simply means that you may not be able to further utilise their cc (based on your current usage and capability).

your response of "never owed mbb a single cent" won't be helping, as they prefer you to owe and pay them interest.

you should have replied that you are actually considering to cancel "some of your other cc" to give way to this cc (if approved). this may give the cs a reason to put a note for an appeal for management approval.
victorywp
post Apr 24 2015, 05:53 PM

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QUOTE(red_scorpion @ Apr 24 2015, 05:43 PM)
So victor, it meant that we shouln't hold too much of useless credit card?
Maybe I should cut my useless standard charterd cc so that other cc application can be more easier to approve.
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yeah, no banks want their cc to be used only as a spare cc after your other cc is fully utilised.

by right, one has to cancel their existing cc before applying for another (if they are having high exposure). by saying "will cancel other cc after this cc get approved" actually hold not much weight... but can try. lol...
victorywp
post Apr 24 2015, 06:19 PM

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QUOTE(chongaik82 @ Apr 24 2015, 05:58 PM)
One point to take note. If i remember correctly, banks only update CCRIS on 15th of every month. Technically, if you cancel your card after 15th, and you apply credit service (let say) on 20th. Bank will still "see" you are having the credit card.
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yeah, not too soon after cancellation too. nod.gif
victorywp
post Apr 25 2015, 02:43 AM

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QUOTE(fruitie @ Apr 24 2015, 11:04 PM)
First level only. I called the other day and the CS can't share with me, just told me cannot appeal.
Today tried luck again, he did put me on hold for a while and checked with Ikhwan department and came back with the reason this time.
For the two times also called the Plat hotline.
At least you have a house... Mine is just a car loan. doh.gif
Mine hasn't reached 20k yet but close to, maybe next time when I apply for CL increase, it will go to 20k. Then I will try my luck for VS. Thanks for the tips! biggrin.gif
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another reason of rejection may be due to other cc application you did recently around the same time when you applied for this ikhwan cc? did you any?
victorywp
post Apr 25 2015, 02:27 PM

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QUOTE(fruitie @ Apr 25 2015, 10:56 AM)
Nah, not willing to compromise for that when my CL is already so low. doh.gif
Anyway, this is just my backup card, I don't want to sacrifice my M2Cards. laugh.gif
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you may reduce your cl from other unimportant cc. i suppose you have other cc right?
victorywp
post Apr 25 2015, 10:57 PM

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QUOTE(fruitie @ Apr 25 2015, 09:20 PM)
From other banks is also counted?
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yes of course. nod.gif
victorywp
post May 7 2015, 11:46 PM

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QUOTE(Eddy924 @ May 7 2015, 11:30 PM)
but i lazy to purposely go find a retail store which accept amex...  biggrin.gif
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no need purposely. all the main ones like tesco, giant, aeon big, mydin, jaya grocer, aeon store, parkson, etc. all accept amex.
victorywp
post May 8 2015, 05:19 AM

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QUOTE(chiahau @ May 8 2015, 12:20 AM)
Sadly, only master.

Not much diff, no?
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not much difference in terms of acceptance. maybe he already own a mastercard so would prefer to have a visa to get the promo benefits from both worlds.

This post has been edited by victorywp: May 8 2015, 05:20 AM
victorywp
post May 23 2015, 12:45 PM

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QUOTE(red_scorpion @ May 23 2015, 11:45 AM)
My Statement released: -
Mr DIY is not consider under grocery for this card...sad
But NSK is consider under grocey...
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why would you think mr diy under grocery?
victorywp
post May 24 2015, 10:37 AM

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QUOTE(leo_kiatez @ May 24 2015, 10:28 AM)
Thanks for the info... Continue to dig more grocery store in msia & share is here.... :-P
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you malaccan can go try that kipmart or super cowboy and share here la. tongue.gif
victorywp
post May 24 2015, 11:44 AM

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QUOTE(Human Nature @ May 24 2015, 11:31 AM)
The supermarket angee at pandan malim doesn't even accept credit card!  doh.gif
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mana tu?

QUOTE(leo_kiatez @ May 24 2015, 11:41 AM)
Wait till I get the card la.. Then will know the answer.. And not to forget family store as well.. Haha
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just want to edit my post to add family store but you so smart.
victorywp
post May 24 2015, 11:53 AM

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QUOTE(Human Nature @ May 24 2015, 11:49 AM)
malim jaya  tongue.gif
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got supermarket angee there? only know there's a econsave only lol...
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