I believe it will share CL with my M2Cards?
Maybank Islamic MasterCard Ikhwan Platinum/Gold, Another Fantastic 5% Cash Back Card
Maybank Islamic MasterCard Ikhwan Platinum/Gold, Another Fantastic 5% Cash Back Card
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Apr 7 2015, 11:01 AM
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#1
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
Still thinking if I should apply for this card since it is free for life and no GST anymore.
I believe it will share CL with my M2Cards? |
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Apr 7 2015, 11:53 AM
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#2
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(victorywp @ Apr 7 2015, 11:46 AM) no, it won't share cl with your m2cards. Great! Then, I can safely apply for this card. I was thinking if it shares the same CL as my M2Cards, then I will have to reconsider again as M2Cards are my main cards actually. because this is islamic and your m2cards is conventional (different entity). |
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Apr 7 2015, 02:47 PM
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#3
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(victorywp @ Apr 7 2015, 12:05 PM) good for you, then. Got it. not only for mbb, other banks the same too. all islamic and conventional don't share the cc limit between both. QUOTE(pisanq @ Apr 7 2015, 01:34 PM) mbb will ask u to split the cl from existing conventional cc. eg.: 1. current conv cc cl is 20k 2. u split 8k for islamic cc, ur conv cc cl now left 12k 3. this split can't be shared between islamic & conv Then, I will ask before I apply. QUOTE(victorywp @ Apr 7 2015, 01:49 PM) but if her updated annual income is high enough, she can get its own cl for islamic without affecting her m2cards cl. How to determine if one's income is high or not high for individual CL? |
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Apr 7 2015, 10:26 PM
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#4
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
I saw that this card comes with FREE Maybank Touch ‘n Go Zing card. Is it really free or it will auto reload once it reaches a minimum amount? Can I request not to have it?
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Apr 7 2015, 11:13 PM
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#5
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 8 2015, 01:18 AM
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#6
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(red_scorpion @ Apr 8 2015, 01:07 AM) seem like this is a good back up card.. Care to share the number here? will try apply this soon. Saw from m2u, there is a number which u can call for the pre-approved card.. how easy to get pre-approved card? i am so lazy to write and submit the application and supporting docs.. gonna try to call and ask soon. |
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Apr 8 2015, 11:09 AM
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#7
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(red_scorpion @ Apr 8 2015, 01:51 AM) Call us now at 03-5891 4777 to get your pre-approved card Thanks for the number! or visit this url: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards QUOTE(heavencloud @ Apr 8 2015, 09:04 AM) I will be prepared for that, if it does, I will cancel it then... QUOTE(victorywp @ Apr 8 2015, 10:10 AM) you just submit your application with all the documents needed like normal. if they just approve with a cl to your ikhwan without affecting your current m2cards cl, then it means your income is sufficient enough to cover your commitments. Sigh. There is no way to find out before the card is approved right? |
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Apr 8 2015, 02:22 PM
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#8
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 10 2015, 03:38 PM
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#9
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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. I also asked not to have TnG function, she said she memang didn't choose for me. Am I being over-paranoid? Now let's see if my request will be approved. I requested to collect from Maybank KL Sentral. This post has been edited by fruitie: Apr 10 2015, 03:39 PM |
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Apr 10 2015, 04:03 PM
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#10
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 10 2015, 05:19 PM
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#11
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(LaiN87 @ Apr 10 2015, 05:11 PM) It is confirmed standalone. She told me my limit should be the same as my Maybank2Cards Plat but if it is just 3k... I speechless liao. My MC Ikhwan today just received with credit limit of RM3,000 for platinum. Zzzz.. The lowest I have received for a plat card. Even gold card can get higher than this. |
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Apr 10 2015, 11:50 PM
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#12
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 12 2015, 01:44 PM
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#13
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(red_scorpion @ Apr 12 2015, 01:36 PM) Wow, congrats to u. I'm not sure if it is approved or not yet. Just that I have called the pre-approved no. last Friday and was told the CL is standalone.I havent call for pre-approved card yet because applying for PB VS now. But just checked with PB call center no, application is unsuccessful.. Haiz, fed up already, last 2 credit card application also failed. Apparently my commitment is too high..sien.. Anybody try to appeal by submit more doc such as Stock, FD statement? just like what we submitted for house loan/car loan. Not really sure whether can appeal via phone or not.. Last time my fren who work as HL CC salesman help me to appeal the HL cards after application is unsuccessful and it approved. But LaiN87 said he got it a standalone CL but only 3k CL... I find it is a bit too pathetic, so I'm not sure how pathetic mine will be. Let's see. |
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Apr 12 2015, 11:05 PM
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#14
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 13 2015, 12:36 AM
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#15
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
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Apr 15 2015, 11:34 AM
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#16
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(Black Red @ Apr 15 2015, 11:28 AM) nowadays still got credit limit 3k? I'm waiting for my card at the moment, hopefully better than my rhb kad, which is 4k. I think my Plat Ikhwan will be 3k CL as well. In a way, it is already sufficient for backup purpose. So long it doesn't touch my M2Cards Plat's CL, I'm more than happy already. Rightfully, according to BNM's rule, CL needs to be 2.5x-3x higher than your current salary. Well, probably Islamic card has another rule which I'm not aware of. This post has been edited by fruitie: Apr 15 2015, 11:35 AM |
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Apr 15 2015, 11:55 AM
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#17
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(Black Red @ Apr 15 2015, 11:49 AM) I really didn't aware that ikhwan have platinum card. Yes, there is. Maybank Islamic MasterCard Ikhwan Platinum Card You should also apply M2Cards, a combo everyone must have in their wallet. |
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Apr 15 2015, 02:11 PM
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#18
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(Black Red @ Apr 15 2015, 12:16 PM) maybe later, or maybe I apply for maybank visa card, do BT with my Citi card (also visa). I just received call again from the maybank staff (for BT), they already have my card number, but I still didn't receive my card. BT doesn't require to be the same type of card. You can BT from any bank and any card. No issue.M2Cards come with AmEx+Visa/MasterCard. This Ikhwan card should complement M2Cards and not as a replacement. |
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Apr 15 2015, 02:22 PM
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#19
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
QUOTE(Black Red @ Apr 15 2015, 02:14 PM) I know, but I do prefer I have both MasterCard and Visa in my wallet, just in case. It also has M2Cards Gold which is the same benefits as Plat, other differences are minimal and have no impact on cash rebate. Check out this thread: https://forum.lowyat.net/index.php?showtopic=3544353 It's already version 13, so you know how good this combo is. |
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Apr 20 2015, 01:50 PM
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#20
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Staff
72,787 posts Joined: Sep 2005 From: KUL |
Latest update, my card application got declined.
That's totally unacceptable when I'm already holding M2cards since 2011. Now they said I can only apply after 6 months. Now I'm not sure if my CIMB credit card will be rejected as well. I have not owed a single cent to any bank and I don't know if my active BT affects all this credit history. This post has been edited by fruitie: Apr 20 2015, 01:52 PM |
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