CS say boleh potong limit.

Since I have signatures, they actually told me can issue without potong limit

But I already had an ikhwan from my earlier FD cycle so I just politely declined and assisted with my friend's case.

how come when u guys go the CS say can reduce limit but when I go, they say cant reduce the limit? hmm...
(is it I went 1U and u guys went gardens, different branch different policy?)

More like, you need to know what to say?

I told the person my super hot friend wants to strip down her M2C limit until 1k, the balance all put into Ikhwan.

The fella said okay, doable.

Just sign some form for verification and tomorrow can collect d

don't simply teach hebe87 leh. later the outcome is different. the person misunderstood her super hot friend would like to strip down for a min 1k but if the person wants to pay more can put into ikhwan. if agree can sign some forms and pick her up the next day.

Just receive sms say my card approve. Btw the free touch and go card useful or not?

Just to share: I applied for the Ikhwan card @ Gardens this afternoon (around 12-something) and got the call to pick up the card @ 6pm the same day.

They suggested to me to split the limit from my existing M2C, which I did.

Slight problem, all I got was the card. They've ran out of the TnC booklets/welcome packs. They asked me to check online for the card's features and detailed usage information.

I assume the touch n go card is like the Zing Card that auto-reloads and have surcharge everytime it reloads for you?

Yup, it's exactly that.

Not my fault if the CS is that smart..

My friend's card has an outstanding amount (Since statement date is 28th, nobody will pay earlier one ma mostly.) When she split the limit, the outstanding amount is more than her balance CL (1k) in the M2C.

I asked the CS whether need to clear the card or not but he said no need. Later only clear.

Kinda curious to see whether it will go through or not.

Saw my card approved through M2U today.

Well i have one but from another bank. It's useful for highways and smart tags but just remember that everytime it helps you reload RM100, it charges you RM1.50 (not including GST). Where as you can just normally top up at any atm machine for free..

Yup is it nice to use? Cos I dun use highway much and also shopping mall parking usually use ticket cos tng charge 10-20%. Also auto reload got rm5 fee and other fee seems the discount they give not really useful.

If you travel a lot like me, and don't want the hassle of going to an ATM just for free reloads, the Zing card is useful.

I don't ever need to worry about going through tolls and don't have sufficient $$

But if you don't drive that much, don't bother getting it.

does the charity contribution is compulsory?

It comes from the bank; not from you.

Noted. Thanks

Also, if you cancel your credit card that linked to the Zing card, your balance in the Zing card will be gone after a number of days.

I see many of you all opted to slash existing Maybank CL to improve the chances of applying for Ikhwan card.

For those platinum card holders, do you all slashed like just RM3K-5K and they issue you a gold card instead since normally gold is with that CL or they will issue plat with a low CL?

Of course I know the benefits is the same, just want to know what's the scenario only

i also never use tng for shopping mall parking (although i have rm1.5k in my tng). reasons:
1) parking using tng have additional service charge of 10%+gst
- we paid/reloaded in advance into our tng card (even some places charge reloading service fee of 50 cents+gst)
- we don't get interest for the money we deposited/maintaining in the card
- and we still need to fork out extra service charge of 10%+gst when using it at parking??

2) we get lesser time as we can only scan when we reach the exiting gate
- using ticket can get extra 20-30min after payment, from your original timing. for eg. rm1/hr parking, using ticket you pay rm1 for 1hr shopping experience. once you paid, you get additional 20-30min for you to go to your car + packing things to your car + car exiting the place.
- using tng get lesser 20-30min from your original timing. for eg. rm1/hr parking, using tng you pay rm1.16 for only 30-40min shopping experience because you need 20-30min to go to your car + packing things to your car + car exiting the place. if you are really unlucky, you may be charged another rm1.16 for the second hour if you arrive the exiting gate 1min later.

With a miserable credit limit of 2k, I only got gold card