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

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panda-man
post Oct 15 2015, 02:08 PM

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seems only rich people can win the expensive cars... sweat.gif
panda-man
post Oct 15 2015, 05:58 PM

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QUOTE(ejiko @ Oct 15 2015, 05:45 PM)
Wehooo today i got ikhwan cc and also my 1st cc. So newbie here. My first question, i tot cc can cash out some cash money, but how and how much i can owe from cc? 😁
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congrats on entering the debt lifestyle hahaha.
panda-man
post Oct 16 2015, 03:20 PM

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QUOTE(fruitie @ Oct 16 2015, 03:07 PM)
I sent an email to Maybank on my way to airport this morning. I actually requested to reduce my Ikhwan limit to 2k from 3k.

Then I thick faced in my second paragraph and asked Maybank if they can forgo to split my limit and just grant me 2k CL for Ikhwan as I don't need high limit.

The email was sent around 0620. Then, I received a SMS two hours later:
RM0.00 Maybankard:We are pleased to inform that your request for (Permanent/Temporary) Decrease of Limit has been approved.Thank You

I checked my email, the CS only said she has forwarded it to the relevant department for review. I checked my M2U just now, it's still the same 3k from my conventional CL. hmm.gif
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maybe it just didnt update in the system yet. they approved it but didnt complete the process.

for my ikhwan card, they said to get it approved, they needed to reduce my credit limit of my other card. i said do what you want, that card is already cancelled, hahah. sometimes dont really understand banks...
panda-man
post Oct 16 2015, 03:51 PM

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QUOTE(shadowglow @ Oct 16 2015, 03:48 PM)
Even the foreigner who works at the station also can teach you, dont underestimate some of them.

It's pretty easy, ever wondered the keypad at the machine shows 1=rm10, 2=rm20? quite common at shell, but u can configure to enter amount or Litres, then enter it, e.g. choose litre then 40, so u will fill up 40 litres, depending on your preferences, i compare my car litre and the distance i travel.

And yes, it only holds the amount you entered.
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good info.

have you encountered problem if tank is full but amount hasnt been fully dispensed? no issues?
panda-man
post Oct 20 2015, 09:22 AM

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QUOTE(solsekuin44 @ Oct 20 2015, 08:06 AM)
I got the credit limit increased, that is only after 5 years of using it. sweat.gif
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if you really wanna credit increase, just keep calling and ask for temporary credit increase, say you are going on business trip, might need the extra money. and they will up the credit for a week or month, i forgot. then reduce balik. after a while, just write in and say, 'i dont like to keep calling to increase credit, can just permanently increase?' and hopefully they will just up the CL. last time i had salary of 2k, got CL of 12K. hahaha.
panda-man
post Oct 20 2015, 04:51 PM

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QUOTE(fruitie @ Oct 20 2015, 03:36 PM)
Received an update from Maybank, my CL is reduced to 2k already but still pulled out from my existing limit. sleep.gif Checked in M2U already reflected today. biggrin.gif 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. biggrin.gif

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

user posted image
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org kaya rclxm9.gif
panda-man
post Oct 20 2015, 05:34 PM

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QUOTE(fruitie @ Oct 20 2015, 04:52 PM)
Nope. The other one adds back RM 1k to me so it is RM 16k? hmm.gif
Suddenly this one adds "1" at the front become 12k. laugh.gif
Obviously no. laugh.gif
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hahah. be very careful, one night can spend it all on ezypay plans cool2.gif hahah
panda-man
post Oct 20 2015, 05:42 PM

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QUOTE(fruitie @ Oct 20 2015, 05:37 PM)
I'm pretty against EzyPay Plans. biggrin.gif

Actually RM 12k limit is really nothing to be shout about, my other cards are much higher but because it is Ikhwan. laugh.gif
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ikhwan so hard to get high CL meh? mine is pretty decent smile.gif i only got this one credit card, because i like ezypay but dont like credit cards hahahah.

edit: why you dont like ezypay? something i should know? hahaha

This post has been edited by panda-man: Oct 20 2015, 05:43 PM
panda-man
post Oct 22 2015, 09:49 AM

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QUOTE(fruitie @ Oct 21 2015, 10:05 PM)
My happiness was short lived. It was fixed already to RM 2k now. cry.gif laugh.gif Afternoon when I checked still RM 12k. tongue.gif

Now who is the spy here. laugh.gif
i'm the spy! because all CL is belongs to ME! flex.gif
panda-man
post Oct 23 2015, 10:44 AM

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QUOTE(fruitie @ Oct 23 2015, 10:41 AM)
I guess he was asking if can collect within few hours as well...
Don't be sad, I got rejected twice for Ikhwan and only approved recently after requesting them to split limit from my existing MBB2Cards Plat. sleep.gif

You may try this.
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i kena reject, but they approved after reducing my other CL (on my cancelled card rclxub.gif dunno why) and we agreed new CL... but then in the end got approved for even higher CL. maybe they realised it was a mistake? weird... if possible ask them why you kena reject. maybe your CCRIS sucks?
panda-man
post Oct 23 2015, 10:58 AM

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QUOTE(fruitie @ Oct 23 2015, 10:49 AM)
Don't assume as if you know everything.

I hate people saying my CCRIS sucks when you know nothing about it.

After Ikhwan rejected my first application, HLB, UOB, CIMB, RHB and AmBank approved all my additional 6 cards.
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walao. shocking.gif chill lah... im not accusing you of anything. dont need to be so defensive. i said maybe. even i dont know whats on my own CCRIS. hai... oh well.
panda-man
post Oct 23 2015, 11:06 AM

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QUOTE(fruitie @ Oct 23 2015, 11:00 AM)
Don't assume then, you may not know how offended the person will get.
Moreover, do you know banks are not supposed to share the rejection reason?

However, knowing Ikhwan rejects people due to high exposure reason, I'm not surprised for mine. Definitely not CCRIS reason.
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i apologize if any offense was taken. it was not my intent.






panda-man
post Oct 23 2015, 11:14 AM

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QUOTE(fruitie @ Oct 23 2015, 11:13 AM)
Nah, no issue. biggrin.gif I apologize too but I don't like people commenting others' CCRIS when knowing nothing about it. smile.gif
Anyway, I haven't started using my Ikhwan card and was thinking will it be deactivated if I don't use it for months. laugh.gif
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i baptized it by filling my car full tank hahahaha.

btw. i saw your tag says beijing. you from beijing or live there? or just love it heheh.

This post has been edited by panda-man: Oct 23 2015, 11:15 AM
panda-man
post Oct 23 2015, 11:29 AM

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QUOTE(fruitie @ Oct 23 2015, 11:18 AM)
I will pump using it when I go back hometown on weekends, but I don't go back often and my car is not in KL. laugh.gif Well, it is a free for life card. Much better than UOB Plat for my case. biggrin.gif
OT: I stayed in Beijing before for few months and every year I will be there to spend some time with my friend. This year, I will go during Dec because my friend came and stayed in KL for around 4 months. biggrin.gif Last year, I was there for around 4 months in total. laugh.gif
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actually this is my only credit card (dont like to manage so many cards, i dunno how you do it hahah), so just wondering. how to pay for car loan & homeloan and stuff through CC? i was on M2U but seems no option. is it possible? i mean its money i pay every month anyways. might as well get treatspoints... anyone doing that? would like some advice. my car is under maybank but home under RHB.

OT: i spent 5 years there. also head back often. got familia there. i moved to KL back a year ago because pollution was getting to me.... and well... look at us now. doh.gif

This post has been edited by panda-man: Oct 23 2015, 11:30 AM
panda-man
post Oct 23 2015, 11:37 AM

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QUOTE(alexanderclz @ Oct 23 2015, 11:34 AM)
you cant pay loan with cc
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even with other bank? like my RHB one?
panda-man
post Oct 23 2015, 11:41 AM

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QUOTE(fruitie @ Oct 23 2015, 11:36 AM)
No, you cannot pay another credit with another credit (credit card). smile.gif
If not, we would have maximized everything. laugh.gif
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why bank so smart one? hmm.gif i feel wasting my treats points.
panda-man
post Oct 23 2015, 12:02 PM

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oh well. on another note. did any of you take the zing TnG card? i kinda feel its a scam with reload fee of RM2. i dont really see purpose of automatically topping up at RM50. i wish we could set the values. how often we really need RM150 on a TnG card.

This post has been edited by panda-man: Oct 23 2015, 12:03 PM
panda-man
post Oct 23 2015, 01:55 PM

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QUOTE(fruitie @ Oct 23 2015, 12:51 PM)
We don't take it because we can easily reload TnG with better benefits. rolleyes.gif
I reload RM 200 every time. Some reload RM 500. wink.gif
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500?! wow. im scared to lose my card, so always around RM50-80 (if going on trip to penang or something).
got TnG w/better benefits?

QUOTE(red_scorpion @ Oct 23 2015, 01:02 PM)
I got take it. I just make it as a spare touch n go in case I forgot to reload my normal touch n go..
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i guess that makes sense, esp. if got more than one car. and i see a lot of shops can pay for food now w/TnG. hmm... maybe i should apply as emergency card or emerengy makan card.
panda-man
post Oct 23 2015, 02:22 PM

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QUOTE(fruitie @ Oct 23 2015, 02:15 PM)
Too many cards in a way. laugh.gif
No AmEx Charge Card. smile.gif
You can always report loss. smile.gif
You can use Ikhwan and reload in some of the supermarkets as they are considered as groceries. Head over to this thread: https://forum.lowyat.net/topic/3304889
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omg... you wonderful person you thumbup.gif . thanks for the tips. can save some money through this. and some place paying for lunch with TnG can also get discount. so extra savings icon_rolleyes.gif

panda-man
post Nov 2 2015, 09:53 AM

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QUOTE(eddievh @ Nov 2 2015, 09:30 AM)
So, get any CB or not ?
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got it already rclxms.gif this month got RM30

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