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Credit Cards Maybankard 2 Gold & Platinum Cards V13, Treats Fair on 11 till 14 Jun 15

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fruitie
post May 22 2015, 03:32 PM

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QUOTE(BeastX @ May 22 2015, 02:57 PM)
You can test it out without risk.... Do a transaction @ Sunday morning @ 0.01AM.... it'll be Sunday and not Saturday...
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Good idea. hmm.gif

QUOTE(maskedchan @ May 22 2015, 03:19 PM)
yes, it only happen to the new cardholders..
for me, nothing was blocked even though i seldom use for online transaction compare to last time
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I used to have no issue as well when I was on Gold card, so far my online transactions on Plat also kinda smooth.
Never got blocked before. I haven't tried PayPal on Plat yet. tongue.gif
fruitie
post May 24 2015, 11:44 AM

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QUOTE(leo_kiatez @ May 24 2015, 10:15 AM)
Yeah, applying for that Ikhwan card soon... But seems many LYN members didn't approve for the card since already own Maybank2 card? ;-)
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Some approved and some rejected. I was rejected by them and to my surprise, subsequently the other two banks approved my two new applications.
Anyway, I was told by the staff to apply again after 6 months. I shall try again.
fruitie
post May 24 2015, 05:29 PM

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QUOTE(sparktzm @ May 24 2015, 04:58 PM)
Can request to change the card type from visa to mastercard? Mine just approve for visa + amex
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Can request and they will re-do for you.
Why wanna change? I regretted after changing mine to MC... Agoda Visa Wednesdays promo and buy 1 free 1 ticket at TGV for Visa Maybank users.

QUOTE(red_scorpion @ May 24 2015, 05:05 PM)
your case is diff with me...Recently I applied for Ikhwan, then Cimb, and then Mach.. and only mbb ikhwan approved me.
CImb garden instant approval rejected me, the agent said I own too many cc, asked me cancel unused cc, then go back there to apply, no need wait 6 months. After cancel can try go back there.
Mach also rejected me with reason my debt to net income ratio is >65%.. rclxub.gif  rclxub.gif 

When I apply house loan 2 years ago, rhb house loan approval benchmark for debt to net income ratio is 75%, but this Mach CC benchmark even lower..65%... doh.gif THey told me bank negara is very strict already..  vmad.gif
Asked agent why MBB approved me, she said different bank different approval style..depends on bank lor..

I think the reason why mbb approved me because I am their loyal customer, have house loan, car loan, used their cc for 7 years++ already, and all payment records are nice.
For cimb, I didnt even have a saving acct there, never use their service..
For Mach, I owned Mach in 2013 but terminated in 2014 with the reason of seldom use (that time I got OCBC titanium with dining 5%, Petrol 5%) .. Now want apply back same card, kena rejected mad.gif
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My Mach was approved before I applied for Ikhwan. My CIMB Cash Back Plat was approved after that and RHB Plat was approved on the spot when I applied two days ago at their KLCC branch with the highest CL among all my cards. laugh.gif
fruitie
post May 24 2015, 05:33 PM

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QUOTE(David83 @ May 24 2015, 05:31 PM)
RHB is very generous with CL.

Imagine 3 years ago, I was giving a total limit of RM 33k for two CCs. doh.gif
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Now my Maybank is my second lowest CL, Mach is the lowest not even 2x of my gross salary. doh.gif
I wish Maybank gives me more because I use the card the most... sad.gif
fruitie
post May 24 2015, 05:39 PM

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QUOTE(red_scorpion @ May 24 2015, 05:33 PM)
Ic..RHb Plat got any sign up offer or good cash back? I have rhb house loan as well, maybe chance of approval from them is higher..  icon_idea.gif
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No actually. laugh.gif I applied for PPL purpose only. I already have Aeon Gold Visa which covers that already but now can sign another person in. laugh.gif
fruitie
post May 24 2015, 06:14 PM

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QUOTE(sparktzm @ May 24 2015, 05:46 PM)
Actually i already have another visa card from hsbc. Want to try mastercard now. Do we need to wait until the card arrive before can ask them to change or can do no and how long does the process will be?
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Yes, usually the card is already being processed.
So, you have to accept it first and advise them to change to MasterCard, then once the card comes you can activate MasterCard and advise them to cancel your Visa.

Around 2 weeks actually.

However, you may try calling them now and see if still can straight change your application to MasterCard.
fruitie
post May 24 2015, 08:43 PM

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QUOTE(mharmdone @ May 24 2015, 07:43 PM)
bro just sharing. i think u dont have to wait for 6 months as for my case it was rejected last march due to DSR but i resubmit thru their mobile sales team 2 weeks ago and got it approved. if u wanna resubmit my suggestion is u provide more supporting docs i.e BE form, 3 months bank statement and etc.
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I'm not bro la... My case is being confirmed by Maybank Ikhwan staff, twice and I cannot apply now...
My related post in Ikhwan thread: https://forum.lowyat.net/index.php?showtopi...post&p=74092613

It's OK, Ikhwan card is just my backup card. laugh.gif I still have other cards and M2Cards Plat. tongue.gif

This post has been edited by fruitie: May 24 2015, 08:44 PM
fruitie
post May 24 2015, 10:53 PM

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Can apply via email, I got mine increased that way. smile.gif Saved all the hassle. smile.gif

Upgrade to only Plat when you fulfill the requirements, I really don't see the point of pledging FD just for Plat when it doesn't have big difference with Gold. smile.gif

If for Signature or Premier cards, I could understand but Plat not worth for it. That's my opinion la. laugh.gif

I only upgraded to Plat about 2-3 months ago, earlier was a bit lazy. laugh.gif

This post has been edited by fruitie: May 24 2015, 10:53 PM
fruitie
post May 25 2015, 09:15 AM

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QUOTE(sj0217 @ May 25 2015, 08:38 AM)
What I noticed from the cForum there, a person who come from MBB (credit card department) and said:
FD 2k can get for Premier cards
I doubt how true is it, anyone heard this before??
What I see in the previous post from this below link (posted # 2441), yes this is possible

https://forum.lowyat.net/topic/1791878/+2440
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Really? Can share the link?
Somebody reported in Premier thread that he pledged 2k and get Premier card...
fruitie
post May 26 2015, 05:09 PM

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QUOTE(peaceboy0 @ May 26 2015, 04:25 PM)
is there any promo for first swipe or anything? can't see thru the T&C
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No promo for that.
fruitie
post May 27 2015, 10:08 AM

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QUOTE(chiahau @ May 27 2015, 09:50 AM)
If you can afford it, then no need to use card no? brows.gif

But anyways, I tried using the maybank installment. The good thing is, the amount charged will disappear and be re-labelled as installment.

Your credit limit is not blocked but there's a % charge to the amount.
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Installment will lock the amount in your CL.
For example if you opt for RM 6k installment for 6 months, 6k will be deducted from your CL and every month will reinstate RM 1k into your credit limit provided you pay to them.
fruitie
post May 27 2015, 05:35 PM

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QUOTE(vin_ann @ May 27 2015, 04:13 PM)
got this in email...
wonder how fast 13,500 tickets will be grabbed !

user posted image
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I tried once on the last Thursday of November, still have B1F1. smile.gif
fruitie
post May 27 2015, 06:40 PM

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QUOTE(imranzero @ May 27 2015, 06:14 PM)
just got my card today, they gave me 2 card , 1 is amex another 1 is visa..should i cancel 1 of the card? thinking of canceling the amex 1 due to many online shop prefer visa,mastercard..
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You cannot cancel one of them, if they allow I guess many have already cancelled their MasterCard or Visa. laugh.gif

As janson_kaniaz mentioned earlier, AmEx is the one worth keeping compared to Visa/MasterCard but too bad you can't cancel either one of them. laugh.gif

AmEx is accepted in many merchants now. You may refer to this list for reference: https://forum.lowyat.net/index.php?showtopic=3532126

Besides, AmEx is also accepted in PayPal so online purchases shouldn't be an issue. Even if I don't use PayPal most of the time but my online purchases for Agoda, flight tickets and etc. accept AmEx. smile.gif

Enjoy your journey with M2Cards. laugh.gif
fruitie
post May 27 2015, 09:22 PM

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QUOTE(clamp_wl @ May 27 2015, 09:07 PM)
Any special privilege for using aeon overseas?
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Low exchange rate.

QUOTE(maskedchan @ May 27 2015, 09:13 PM)
So sad to see so many people apply mbb2card but no idea about the features/benefit of the card
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laugh.gif That's why we are here to educate each other. biggrin.gif
fruitie
post May 27 2015, 11:25 PM

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QUOTE(Tigerr @ May 27 2015, 11:17 PM)
No lar. Free for life mah. I was thinking to get the Amex premier 2 cards or Amex plat 2 cards.....finally decide to get the plat. Will only use 1k to capitalize the 5% rebate n 5x TP.
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This one right? http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
It has RM 800 AF, first year free though.
fruitie
post May 27 2015, 11:50 PM

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QUOTE(Tigerr @ May 27 2015, 11:32 PM)
Nope. the one I apply is amex plat comes with another master card. I only want the 5% weekend rebates. The 5x TP is not much difference than using my VI as the conversion rate is about the same but I need to spend 50k in order to waive nexr year annual fees. If add another 80k usage, I ll be koyak....tongue.gif
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Maybank2Cards Plat? unsure.gif
Then it is not really AmEx Plat. laugh.gif
fruitie
post May 27 2015, 11:54 PM

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QUOTE(Tigerr @ May 27 2015, 11:53 PM)
First time using Amex card. Next year ll change to krisflyer Amex.
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laugh.gif You were confusing us. laugh.gif
You actually applied for M2Cards Plat and not AmEx Plat. tongue.gif

Anyway, it is just a complement of your VI la. tongue.gif
fruitie
post May 28 2015, 10:45 AM

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Maybank is famous for stinginess, so I only got less than 3x of my salary now. My second lowest CL card. doh.gif

Still better than MACH, not even 2x of my salary. doh.gif

The rest, more than 3x and the highest is around 5x...

According to BNM is not more than 3x of salary if I'm not wrong.

This post has been edited by fruitie: May 28 2015, 10:45 AM
fruitie
post May 28 2015, 10:49 AM

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QUOTE(maskedchan @ May 28 2015, 10:48 AM)
i once get a credit limit with 2k... shocking.gif
the bank must be joking with meĀ  cry.gif
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That was how many decades ago? laugh.gif

This post has been edited by fruitie: May 28 2015, 10:49 AM
fruitie
post May 28 2015, 11:08 AM

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QUOTE(mickey1991 @ May 28 2015, 10:52 AM)
2k?
is normal.
some credit card limit to 1.8k
normal credit card . they are based on your salary to give you the limit
but if you everymonth pay 100% without any delay.
they always called you to increase your limit.
like me. i used for 2 years and no any months delay for the payment
credit limit now already 24k . if i borrow personal loan from there
24 x 3 = 72k and 6.88% per annum
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Maskedchan has Premier Cards and Signature cards... Obviously 2k was many decades ago for him. laugh.gif

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