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Credit Cards Maybankard 2 Gold & Platinum Cards V15, Not attractive, pls read 1st three posts
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fruitie
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Nov 19 2015, 12:00 AM
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Rise and Shine
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QUOTE(th3game @ Nov 18 2015, 11:56 PM) so if I go and apply, I should opt for Maybank 2 Cards AMEX and Visa + Maybank Islamic MasterCard Ikhwan right? is this possible? Yes, possible. Ikhwan is more difficult to apply. Probably you apply that first before M2Cards, at least I find M2Cards are easier to be approved.
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fruitie
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Nov 19 2015, 01:24 AM
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Rise and Shine
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QUOTE(Kiraichi @ Nov 19 2015, 12:17 AM) Hi all, newbie here. I've read alot about this thread, just want some suggestion from you guys, i wanted a credit card that able to do installment e.g. PS4, or iphone 6. (Maybe for 12 month repayment) Which card is suitable for me? My salary is below 3k. Thank you in advance.  Maybank2Cards is already sufficient. However, must be RM 2.5k and above per month. EpiCentre and Harvey Norman have installment plan for Maybank cards. However, as a piece of advice, don't start with installments, it is no good for your saving in long term. Buy only if you can afford.
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fruitie
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Nov 19 2015, 09:03 AM
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Rise and Shine
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QUOTE(kockroach @ Nov 19 2015, 08:53 AM) Also take note of the finance charges. Certain outlet will charge 4% finance charges even though is 0% installment. Last I heard, Aeon Big doesnt have any charges, but I am not sure. Those I mentioned have no finance charges.
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fruitie
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Nov 19 2015, 10:05 AM
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Rise and Shine
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QUOTE(kockroach @ Nov 19 2015, 09:30 AM) Eh, I thought Harvey Normal got charges, because I want to buy something buy installment also. Will go check it out. Thanks! I think no but well I haven't done any installment with them before, so I could be wrong.
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fruitie
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Nov 19 2015, 07:04 PM
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Rise and Shine
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QUOTE(Amedion @ Nov 19 2015, 01:13 PM) Hmm.. Last time i use hong leong bank cc got show available credit limit.. This maybank didnt show anything and quite confusing.. My outstanding balance is rm1300+, rm2k epp for camera and just now i still can swipe epp for iphone at rm3.8k.. My credit limit is 5k only.. It depends how much you have left for your camera installment. If little bit of excess, they still allow.
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fruitie
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Nov 19 2015, 09:40 PM
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Rise and Shine
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QUOTE(wjleong15 @ Nov 19 2015, 09:34 PM) then kene exceed limit charges?  No such thing.
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fruitie
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Nov 19 2015, 11:33 PM
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Rise and Shine
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QUOTE(maskedchan @ Nov 19 2015, 10:59 PM) certain bank do charge if you spend over your limit without asking temporary limit increase Well, I missed out "for Maybank" then.
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fruitie
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Nov 20 2015, 08:57 PM
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Rise and Shine
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QUOTE(wjleong15 @ Nov 20 2015, 08:07 PM) anyone know what is SUPPLEMENTARY SHEET (attaching to and forming part of the Application Form For Credit Card Facility) ? I request upgrade the card from gold to plat, they replied me this form and asked me to fill and return back. is it after fill up the form will get approved? @fruitie any idea? Wait, is this the one declaring your current credit? Like loan? If yes, I have filled in few times when I applied for new cards. I think these days all banks have.
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fruitie
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Nov 20 2015, 10:19 PM
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Rise and Shine
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QUOTE(wjleong15 @ Nov 20 2015, 09:26 PM) it look like this [attachmentid=5344625] this is the first time i see this form from so many cc applications Yeah, this is what I meant. I did fill in and obviously not after you fill in you will get approved.  Anyway, card upgrade is easy la.
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fruitie
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Nov 20 2015, 10:36 PM
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Rise and Shine
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QUOTE(David83 @ Nov 20 2015, 10:27 PM) Other banks got such practice too? I remembered I did fill in similar forms for other banks but can't recall which one.
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fruitie
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Nov 20 2015, 11:13 PM
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Rise and Shine
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QUOTE(wjleong15 @ Nov 20 2015, 11:05 PM) upgrade took me 2 weeks still pending, then only got this form to fill. I asked branch staff he said after submit will get approved. don't think can trust or not. btw, why you said upgrade is easy leh? I see. My card upgrade was done in KLCC and it was approved within few days.  From gold to plat, easy peasy. So long your salary fulfills the requirement, can be approved. Based on my own experience when I upgraded mine.
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fruitie
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Nov 21 2015, 09:38 PM
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Rise and Shine
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QUOTE(rachel_xxx @ Nov 21 2015, 09:02 PM) hii RM50 off for cab2klia still valid? No more, ended on 15.11. It was so nice to send me email to remind me it was the last few hours to use it.
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fruitie
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Nov 22 2015, 05:55 PM
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Rise and Shine
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QUOTE(SaltyBean @ Nov 22 2015, 04:49 PM) Hi all, I will like to apply for MBB 2 gold card to replace the HSBC card. FYI, this is my first time terminating a card, I think I can just call the HSBC CS centre and tell them about this. I owe them a few hundred ringgits and I gona settle that next month as my card expires in Dec. What else I need to know and do apart from the above two steps? eg. Get an official email from HSBC regarding the termination? I got their confirmation via email. Yes, just to keep a black and white especially I really dislike HSBC.
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fruitie
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Nov 23 2015, 04:17 PM
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Rise and Shine
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QUOTE(leng2 @ Nov 23 2015, 04:10 PM) you guys still using the cards despite the new cashback terms? I still have it when I don't have other cards for general purpose.
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fruitie
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Nov 23 2015, 05:07 PM
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Rise and Shine
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QUOTE(leng2 @ Nov 23 2015, 04:29 PM) I hope you're not keeping it just for the sake of the treatpoints. That's the whole purpose of me keeping my AmEx card just for TP.  It is a good card as I have redeemed so many stuff via TP.
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fruitie
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Nov 24 2015, 10:59 PM
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Rise and Shine
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QUOTE(hankeymeal @ Nov 24 2015, 10:54 PM) My credit limit is RM5000. Last month I spend about RM15,000. I can do this because I pay immediately using M2U to make my outstanding RM0. I want to book a hotel that cost RM7,000 total. It is possible if I go to atm and bank in RM2,000 for my credit card then I can book the RM7,000 hotel? How Maybank set the credit limit? My salary is RM4,000. Thanks. Yes, can top up your credit limit with CDM. You can request to increase credit limit, they will need your 3 months latest payslip.
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fruitie
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Nov 24 2015, 11:12 PM
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Rise and Shine
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QUOTE(hankeymeal @ Nov 24 2015, 11:11 PM) For RM4,000 salary, how much can I set the credit limit? I don't know how they determine, most likely 8k or if lucky 10k. Sometimes unlucky will be less than 2x. Mine was around 3x. This post has been edited by fruitie: Nov 24 2015, 11:12 PM
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fruitie
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Nov 24 2015, 11:59 PM
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Rise and Shine
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QUOTE(the99percent1 @ Nov 24 2015, 11:57 PM) Not really for Maybank case. Sometimes 2x or even lower.
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fruitie
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Nov 25 2015, 07:57 PM
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Rise and Shine
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QUOTE(yusiang @ Nov 25 2015, 07:51 PM) I also find it weird, the treatpoints redemption link maybank put on their website(http://www.maybank2u.com.my/en/personal/cards/card-features/treatspoints.page) is "https://www.maybankard.net.my/", which is now pointing to a superbuy.com's website. Anyone know if nowadays the on-the-spot redemption will cost same points with online/fax redemption(via postage)? No. On-the-spot is 400 TP = RM 1.
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fruitie
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Nov 27 2015, 06:09 PM
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Rise and Shine
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QUOTE(th3game @ Nov 27 2015, 05:40 PM) Hi all, I want to apply for this Platinum Maybank 2 cards AMEX & Visa and thinking to send Maybank my LHDN BE form for 2014 as a supporting document. But the amount in my BE form is just RM58,025 I believe the eligible amount needed to apply for this Platinum Maybank 2 cards would be min RM60k the question is...can i still apply and would they approve it? Thanks We won't know because we are not from the approving department. However, you can try.  No harm though. The worst is only you might be given with Gold card instead. I upgraded mine through 3 months payslip.
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