my debt ratio to income > 90%

it's the other way round for me, no problem to apply any credit card, then when applying loan, I need to bring all credit card past 6 months statement for the manager to submit HQ to get my loan approved.

p/s: I have 11 cc from 7 banks

Well, bank use different method to evaluate different people based on their NW.

Some dato dato with brink of bankruptcy also can get loan as long as they are top of food chain.
Some Ali Muthu or Ah beng will not get loan eventhough their statement are perfectly clean.

Nothing is fair in banking sector as well.

there are someone reported here before he manage to get waive AF for certain card from MBB..
i think quite a numerous of ppl get waive but just keep to themselves

if you post it out, MBB might not waive in future again..

argh, too bad for maybank..

i also plan to terminate the card after august...however, realized that i still have BT, Ezypay and also agoda(pay later)..

just check with the branch, they are not aware of this yet(no more 5% rebate in aug)..

my ikhwan cc application have been rejected twice before this, the staff said that i can convert my mbb2cards to ikhwan, but all BT and ezypay have to be fully settle first...

now, i will wait for all my installment finished before converting..not sure my amex and visa points will be transferred to ikhwan or not...ikhwan is only 1 card right?

You can transfer your TP to Ikhwan. This can be done.

Done some readups on alternatives to my current Maybank 2 cards.

What attracts me the most currently are:

1. PB Visa Signature - Cashback + Lounge benefits.
2. HLB Essential - No frills cashback - michaelho thanks for pointing this out!
3. CIMB Cash Rebate - Relatively no frills cashback.

Briefly considered HLB WISE - but the RM50 and 10 transaction thing is cumbersome. HLB Mach is simply too complicated for my puny brain.
Initially was considering HSBC, until I read up on how their fee waiver and customer service was like.

Haven't yet checked on RHB and Alliance Bank though.

Addendum: Alliance Bank Visa Platinum looks good too.

This post has been edited by Enigmatic: Jun 29 2015, 10:48 AM

You should consider HLB Essential (unlimited 1% cash rebate on everything except petrol) instead of OCBC Titanium. OCBC Titanium is not worth carrying at all, just my 2 cents

This post has been edited by michaelho: Jun 29 2015, 10:37 AM

agoda features applicable for other bank card also well..
e.g. UOB, CIMB

Good news, I just checked today and even the pop-up window is no longer showing 5% for dining only.

Thanks for the head's up. I'll have a look.

I just called Maybank.. They said the 5% cashback (for American Express credit card) will still be available after 1st Aug 2015.

The power of lowyat cc section

Lol, just called up to apply for MBB ikhwan MasterCard. No idea it will be approved or not.

great, this section just grew past 1/3 of its lifespan for nothing
or maybe sacrificed 1/3 life for 5% to remain

Even my post on FB has been shared for more than 370 times.

All the best and I'll sit down envying here for people who got their Ikhwan card.

The power of consumers.

Hope is still available after 1st-September

great news for this blue monday!!

This post has been edited by chrischiang: Jun 29 2015, 11:22 AM

This one indeed is power of consumers. Lets hope MBB wont change their mind again, else, I will prepared to cut this card.

It's really a good news. Hopefully MBB is not going to change it again.

Let's hope for the best.

Yeah!

I still believe Maybank is looking how to revise this combo actually...