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Credit Cards Maybankard 2 Gold & Platinum Cards V12, TP inflation,400TP=RM1 starting 1 May 15

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SUSDavid83
post Jan 19 2015, 07:59 PM

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Finally case closed for changing threshold for SMS alert.
victorywp
post Jan 19 2015, 08:10 PM

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QUOTE(ChuanHong @ Jan 19 2015, 07:41 PM)
yes.. correct. covered rm100 by 1 year only.. in future also need to pay that.. nvm.. use TP to cover it if possible..
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in future after 6% gst implementation, no more rm50 gst already.
victorywp
post Jan 19 2015, 08:11 PM

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QUOTE(David83 @ Jan 19 2015, 07:59 PM)
Finally case closed for changing threshold for SMS alert.
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means you changed again from rm201 to rm1?
SUSDavid83
post Jan 19 2015, 08:13 PM

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QUOTE(victorywp @ Jan 19 2015, 08:11 PM)
means you changed again from rm201 to rm1?
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Nope. Previously I said that it was RM 0.

Now set it back to my original case of RM 201.
ChuanHong
post Jan 19 2015, 08:35 PM

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QUOTE(victorywp @ Jan 19 2015, 08:10 PM)
in future after 6% gst implementation, no more rm50 gst already.
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alright.. wait for the future and see.. temporary im new subscriber will entitled on rm100 gst cash rebate.. so far ok on it. just recent wanna buy firefly tickets with amex but come out error.. after call customers service, no problem on my card.. probably amex transaction server down, then i direct use VISA to process.. cant earn the 5X TP..
fruitie
post Jan 19 2015, 09:38 PM

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QUOTE(ChuanHong @ Jan 19 2015, 08:35 PM)
alright.. wait for the future and see.. temporary im new subscriber will entitled on rm100 gst cash rebate.. so far ok on it. just recent wanna buy firefly tickets with amex but come out error.. after call customers service, no problem on my card.. probably amex transaction server down, then i direct use VISA to process.. cant earn the 5X TP..
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There are people reporting that AmEx sometimes will have errors for online purchases, so you will need to call CS to unblock it.
I didn't have such issue though. smile.gif
cappuccino vs latte
post Jan 19 2015, 10:46 PM

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QUOTE(ChuanHong @ Jan 19 2015, 08:35 PM)
alright.. wait for the future and see.. temporary im new subscriber will entitled on rm100 gst cash rebate.. so far ok on it. just recent wanna buy firefly tickets with amex but come out error.. after call customers service, no problem on my card.. probably amex transaction server down, then i direct use VISA to process.. cant earn the 5X TP..
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Me too, I'm on Malindo website that day. after keyed in the passcode, waited almost 2 mins, transaction failed...
ChuanHong
post Jan 19 2015, 10:54 PM

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QUOTE(fruitie @ Jan 19 2015, 09:38 PM)
There are people reporting that AmEx sometimes will have errors for online purchases, so you will need to call CS to unblock it.
I didn't have such issue though. smile.gif
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i called CS and she told me everything alright.. nothing wrong on my card.. probably is server problem.. previous i faced AMEX transaction down for petrol pump.. then i move first and pump later and its worked..


QUOTE(cappuccino vs latte @ Jan 19 2015, 10:46 PM)
Me too, I'm on Malindo website that day. after keyed in the passcode, waited almost 2 mins, transaction failed...
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correct.. for flight ticket, urgent to me, its ok for me to not earn the points.. as long as the ticket bought.. just first time using CC to buy ticket.. maybe will try again for next purchase with AMEX.. hopefully its work for me..
sj0217
post Jan 20 2015, 08:48 AM

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QUOTE(ChuanHong @ Jan 19 2015, 10:54 PM)
i called CS and she told me everything alright.. nothing wrong on my card.. probably is server problem.. previous i faced AMEX transaction down for petrol pump.. then i move first and pump later and its worked..
correct.. for flight ticket, urgent to me, its ok for me to not earn the points.. as long as the ticket bought.. just first time using CC to buy ticket.. maybe will try again for next purchase with AMEX.. hopefully its work for me..
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sometime it happened to me also, only Petronas station not working very well on my Amex card, others is good to go
Vervain
post Jan 20 2015, 09:28 AM

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Hi

If we applied our cards before 11 July last year, we only pay rm50 gst annually for life?

I have a bad habit of always paying up my credit card 2-3 days after swiping my card. Normally my monthly statement displays 0. Is there any impact of not displaying a good paymaster record?
adele123
post Jan 20 2015, 10:22 AM

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QUOTE(Vervain @ Jan 20 2015, 09:28 AM)
Hi

If we applied our cards before 11 July last year, we only pay rm50 gst annually for life?

I have a bad habit of always paying up my credit card 2-3 days after swiping my card. Normally my monthly statement displays 0. Is there any impact of not displaying a good paymaster record?
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yes, as stated in post #2. whatever the actual date is. before july 2014.

your 2nd question is actually very confusing. most ppl pay based on due date, although i've seen in the forum some saying they pay immediately after swiping. i don't think someone like you has a 'bad' habit.

as for the 2nd part of the question, yes, it will be reflected in your CCRIS if you were late for your payment. late, as in zero payment after due date, then subsequently any loans you want to apply in future, bank will look at your ccris before deciding.

Human Nature
post Jan 20 2015, 10:53 AM

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QUOTE(Vervain @ Jan 20 2015, 09:28 AM)
Hi

If we applied our cards before 11 July last year, we only pay rm50 gst annually for life?
Do check out for any changes after the GST implementation.
yorae9
post Jan 20 2015, 10:57 AM

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QUOTE(ChuanHong @ Jan 19 2015, 10:54 PM)
i called CS and she told me everything alright.. nothing wrong on my card.. probably is server problem.. previous i faced AMEX transaction down for petrol pump.. then i move first and pump later and its worked..
correct.. for flight ticket, urgent to me, its ok for me to not earn the points.. as long as the ticket bought.. just first time using CC to buy ticket.. maybe will try again for next purchase with AMEX.. hopefully its work for me..
*
Mind to explain "move first and pump later and its worked.. "?
sometime I face Amex transaction fail at pump, so want to know what trick is this. drool.gif
QPheng
post Jan 20 2015, 11:08 AM

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QUOTE(Vervain @ Jan 20 2015, 09:28 AM)
Hi

If we applied our cards before 11 July last year, we only pay rm50 gst annually for life?

I have a bad habit of always paying up my credit card 2-3 days after swiping my card. Normally my monthly statement displays 0. Is there any impact of not displaying a good paymaster record?
*
Hi Vervain, for your 1st question, yes, and you're only liable for any applicable GST on the the next anniversary of your card approval date.

As for your 2nd question, it's indeed a good habit to make full payment on any day as long as it's before the due date to avoid prevailing interest charges and by doing so, it shows that you're a good paymaster in bank's internal record as well as CCRIS. CCRIS will capture payment pattern base on minimum payment, partial payment and full payment reported by financial institutions on each month. smile.gif
ChuanHong
post Jan 20 2015, 12:03 PM

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QUOTE(yorae9 @ Jan 20 2015, 10:57 AM)
Mind to explain "move first and pump later and its worked.. "?
sometime I face Amex transaction fail at pump, so want to know what trick is this. drool.gif
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ops sorry for my broken english.. Meaning that im going other places first and come back later. the duration around 15 minutes.
cute_boboi
post Jan 20 2015, 02:54 PM

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QUOTE(victorywp @ Jan 19 2015, 07:19 PM)
Pemegang kad Maybank boleh tebus perbatuan Asia menerusi mata Treats
» Click to show Spoiler - click again to hide... «


Source
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Asia miles = perbatuan Asia ? blink.gif shakehead.gif doh.gif
laugh.gif
Let's see what I got there ... whistling.gif

cruel_boy
post Jan 20 2015, 02:57 PM

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From: Ampang, Kuala Lumpur, Seremban...
Please confirm this. I assumed its 8.88% interest on both card as long as i maintain minimum payment.

My latest statement shows 8.88% on platinum visa and 17% on platinum amex. Why is this so?
_____________

Ok. I've confirmed with mbb cs that it was apparently because i missed a payment on Dec for Nov statement. But i've checked my records, and i did made a payment via CIMB interbank transfer. But this transaction is not reflected in my mbb records. The CS lady said i could prove that i did make payment, she can put up request for reversal of intrest rate but subject to management approval.

How should i proceed about this? Deal with CIMB first to verify the transaction, or send the transaction details to MBB and let them sort it out?

This post has been edited by cruel_boy: Jan 20 2015, 03:24 PM
victorywp
post Jan 20 2015, 04:50 PM

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QUOTE(cruel_boy @ Jan 20 2015, 02:57 PM)
Please confirm this. I assumed its 8.88% interest on both card as long as i maintain minimum payment.

My latest statement shows 8.88% on platinum visa and  17% on platinum amex. Why is this so?
_____________

Ok. I've confirmed with mbb cs that it was apparently because i missed a payment on Dec for Nov statement. But i've checked my records, and i did made a payment via CIMB interbank transfer. But this transaction is not reflected in my mbb records. The CS lady said i could prove that i did make payment, she can put up request for reversal of intrest rate but subject to management approval.

How should i proceed about this?  Deal with CIMB first to verify the transaction, or send the transaction details to MBB and let them sort it out?
*
you mean you did an ibg transfer from cimb to mbb but the money deducted from cimb and did not received by mbb?
so your money gone? did you key in the correct account number?
cruel_boy
post Jan 20 2015, 05:03 PM

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QUOTE(victorywp @ Jan 20 2015, 04:50 PM)
you mean you did an ibg transfer from cimb to mbb but the money deducted from cimb and did not received by mbb?
so your money gone? did you key in the correct account number?
*
yes, that sums it up.

No, i've been using it since i got my mbb2cards.

The only problem was that i accidentally scheduled early payment on 17th Nov, but the statement came out 18nov and due date was 8th Dec. I found out i missed the payment on 10th, and informed CS. They said 3 days grace period, so no worries. Still can bank in and won't be considered late payment.

The weird issue is that for visa i bank in via CDM on 10th. When i want to do for amex, cdm duwan to accept my notes. So i use cimbclicks. This cimbclicks is the one didn't show up in mbb statement now.
dreamschee
post Jan 20 2015, 05:13 PM

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Hi..just log in to c the transaction details..notice maybank had charged me RM50 services tax principal in my Amex card...are they going to refund me? or i have to call CS to waived...Coz i had swipe 3 times for each card...wonder why they still charged me...Help....
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