Can confirm. Used it in UK and it followed the merchant's local time. Missed out on rebate as well due to this.

hi all, need your advise.

Currently im working at airasia with gross salary 2320
at the same time im the director of family business without taking any salary.

I applied many credit card but all failed due to my monthly commitment too high
total around 2.5k for House n car (actually my parent paid it)

can i attach company form 49 and bank statement to increase the chance for success?

Guys, if I pay bill on the weekend with AMEX through M2U, I'll get the 5% cash rebate for the all bills right?

Yes

Or you can pledge an FD placement with them.

Did you recently apply for a CC? The bank will look into your credit report and say 'Your commitment is higher than your income. Which means you are likely to default on your card. That is why banks reject you! It is a good idea not to apply at this time, try again in 6 months time. Of course, at that time there must be a change in circumstances, you have to demonstrate that your income ( on record of course, the bank won't believe your parent is paying the loan!) could support your commitment . If not, your only chance then to get the card is to pledge FD.

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if want to pledge fd, just walk in to any branch will do ?

Preferably the bigger branch, where staff have better experience dealing with this sort of application. But do you intent on pledging FD now? Not a good idea though. It's better to cool off 6 months before you apply again.

This post has been edited by Wongchoy: May 20 2015, 04:14 PM

Even i apply after 6 months, my salary still cant cover my commitment. I belive i will fail also ah.

Do you know what pledge FD mean?
pledge FD mean your FD amount would become your credit limit..
so no need to see your salary anymore..

I have questions regarding these 2 cards.

Are the points from each of the cards calculated together or separated?
If it is together then ok, but if it is separated then the question is can I redeem like (item 60 points, I use 30 points from each card)

Another question is that, how the cashback works?
I pay 1000 and they return 50 to me or statement rm1000-50 = i pay 950 ?

During redemption, they're combined and can be accessed by any of the card.

For cash rebate, it'll be rewarded in the next month by crediting back to your CC statement. Read more at Post #1

Try pledging FD this December. At the meantime, do not default on your loans. You will get your cards by the end of the year

What about for partial redemption? 400tp = RM1. I believe you need to present all the CC/DC to redeem.

From what the MBB staff told me, they said it's linked.

I'm only referring to TP from CC side.

The problem is, he got his application rejected. So during this 6 months cooling off period, any application including pledge is auto reject by the system.

I went to redeem free CBTL on 30th April, passed my Amex to the staff to do a full RM20 redemption but failed as they said not enough TP, but if combine with Visa sure enough. Since I didnt bring my Visa card so just redeemed the balance TP from my Amex.

Wonder if anyone posted or tried this tgv movie buy-1 get 1 free promo...

My brother this before at TGV Jaya Shopping near to Axis Tower PJ: