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

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Alec.Yong
post Apr 20 2015, 02:08 PM

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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?
Alec.Yong
post Apr 20 2015, 02:12 PM

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QUOTE(victorywp @ Apr 20 2015, 02:10 PM)
it's separate cl. you may opt to cut your existing m2cards cl to get an ikhwan though.
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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
Alec.Yong
post Apr 20 2015, 02:15 PM

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QUOTE(fruitie @ Apr 20 2015, 02:12 PM)


According to the CS, it will not. Conventional and Islamic banking are different, so CL won't be combined for them.
However, there is a forummer here was requested to split CC.
Others got them in a separate CL.
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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
Alec.Yong
post Apr 20 2015, 02:15 PM

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QUOTE(fruitie @ Apr 20 2015, 02:14 PM)
Earlier there was a forummer here also got requested to split CL from his existing M2Cards.
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My concern is... don't cut my Maybank CL.
Separate is ok...
Alec.Yong
post Apr 20 2015, 02:24 PM

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QUOTE(fruitie @ Apr 20 2015, 02:18 PM)
I suggest you to call again and another agent will tell you different thing. laugh.gif

I'm so disappointed by my application, especially I was pretty confident with Maybank as I don't have any outstanding issues or payment with them. Sigh. sad.gif
It's either 6 months later or never. Let's see when the time comes.

Meanwhile, I'll stop applying for new credit cards until my last BT payment with Aeon ends.
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I think the CS saying these to me might due to previously (about 4 years ago) when I cut my Maybank Islamic credit card, I did request them to add in the cut card's CL into my Maybank card. So now if I plan to apply Maybank Islamic credit card, they are going "take back" the CL from Maybank.. unsure.gif rolleyes.gif

This post has been edited by Alec.Yong: Apr 20 2015, 02:26 PM
Alec.Yong
post Apr 20 2015, 02:25 PM

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QUOTE(victorywp @ Apr 20 2015, 02:24 PM)
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...
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me just small potato only... unsure.gif
Alec.Yong
post Apr 20 2015, 02:29 PM

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QUOTE(fruitie @ Apr 20 2015, 02:26 PM)
Are you sure they will straight reject you? They didn't even bother calling me ask me to split my CL. In addition, the earlier CS was so confident that it will not touch my current CL.
Again if they really call and ask me to split my CL, I will not agree as well.

In my opinion, my application was rejected not because of CL. So, I don't think so CL reason will lead to one's application rejection.
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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
Alec.Yong
post Apr 20 2015, 02:31 PM

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QUOTE(fruitie @ Apr 20 2015, 02:28 PM)
laugh.gif Now it makes sense, they just take back what they deserve for. tongue.gif
I suggest you to call again just to confirm.
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Not dare to try unless I can get the confirmation from them...
Hard to maintain the high CL as per today... better keep it..
rclxub.gif
Alec.Yong
post Apr 20 2015, 02:43 PM

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QUOTE(victorywp @ Apr 20 2015, 02:37 PM)
betul ke ni? tell me which banks has no future vision by rejecting a future billionaire like you?
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I m just a small potato only, trust me.. rclxub.gif
If bank wants me to show the income doc for the CL, sure they will cut my CL.. rclxub.gif
To tell you honestly, my current CL is 40x of my current salary.


Alec.Yong
post Apr 20 2015, 02:45 PM

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QUOTE(victorywp @ Apr 20 2015, 02:37 PM)
betul ke ni? tell me which banks has no future vision by rejecting a future billionaire like you?
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The local bank is RHB and the foreign bank.. well... I don't think many people applied for their cards. whistling.gif
Alec.Yong
post Aug 5 2015, 11:06 AM

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QUOTE(fruitie @ Aug 5 2015, 11:05 AM)
Thanks for the information! biggrin.gif
I will definitely re-apply again in September or October.
For now, my spending goes to AmBank first for the new applications cash back. biggrin.gif
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Seems that you have so many cards. Wonder how's much is your total CL?wink.gif

This post has been edited by Alec.Yong: Aug 5 2015, 11:07 AM
Alec.Yong
post Aug 5 2015, 11:09 AM

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QUOTE(fruitie @ Aug 5 2015, 11:08 AM)
Cards many but CL little only la... Around 150k in total.
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I see I see. smile.gif
Planing to add more right? Hehe...
Alec.Yong
post Aug 5 2015, 11:23 AM

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QUOTE(noien @ Aug 5 2015, 11:16 AM)
she is the lady boss of cc in this section.
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Now only i only know...wink.gif

Shall we open a new threat on survey of total credit limit in hands?wink.gif
Alec.Yong
post Aug 5 2015, 11:26 AM

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QUOTE(fruitie @ Aug 5 2015, 11:24 AM)
Not really, will cancel a few and apply those better ones. laugh.gif
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So which are those cards in your mind?
Alec.Yong
post Aug 5 2015, 11:36 AM

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QUOTE(fruitie @ Aug 5 2015, 11:31 AM)
Don't spread fake news la. shakehead.gif
laugh.gif
What's the point? unsure.gif
Not sure yet but Ikhwan is in the list.
Applied VOX, will cancel CIMB CR if that approves.
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Just for survey.. See how much is the maximum one hold..wink.gif

Once got Ikhwan, the MBB CL will be deducted right?
Alec.Yong
post Aug 5 2015, 02:57 PM

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QUOTE(fruitie @ Aug 5 2015, 11:51 AM)
You are an obvious winner. shakehead.gif

Nope, if lucky separate CL. Else, have to deduct CL from existing MBB cards. smile.gif
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No lah, not me..wink.gif
Alec.Yong
post Aug 5 2015, 03:00 PM

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QUOTE(Human Nature @ Aug 5 2015, 11:43 AM)
i think your 1 CC has more than my total CC CL combined dy. No need survey for obvious winner ler  tongue.gif
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No no no, definitely not me..wink.gif
Alec.Yong
post Aug 5 2015, 03:01 PM

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QUOTE(chiahau @ Aug 5 2015, 12:09 PM)
At least it looks much better compared to M2C laugh.gif

They will help you destroy the card. Or if you want, ask for the scissors yourself and do the honors.
Depends. Sometimes can get separate CL.

But maybank is already losing plenty of customers with the revision of Amex weekend CB.

UOB now is taking years to apply / approve for a CC.
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If can get separate CL, better still..
Alec.Yong
post Aug 5 2015, 03:03 PM

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QUOTE(fruitie @ Aug 5 2015, 02:22 PM)
Can I do conversion by calling the number? smile.gif

I guess I'm going to make a bold decision soon once my VOX is confirmed rejected.

I will cancel most of my cards and convert my MBB2Cards to Ikhwan.

The rest of the expenses will charge to Ikhwan first while applying for Watami.

Then, I will only have Ikhwan, Watami, MACH, AmBank Plat and Aeon Gold.

Case close.
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Not consider China Bank?

Alec.Yong
post Aug 5 2015, 03:17 PM

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QUOTE(fruitie @ Aug 5 2015, 03:11 PM)
I have ICBC debit card, so if I want also will apply for ICBC since I have RMB savings account with them. smile.gif
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So when are you going to apply their cc? wink.gif

This post has been edited by Alec.Yong: Aug 5 2015, 03:18 PM

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