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Credit Cards Maybankard 2 Gold & Platinum Cards V15, Not attractive, pls read 1st three posts

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Win Win Inspiration
post Mar 7 2016, 01:53 PM

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Heard from friends saying that if we were to hold Credit Cards but not swiping/using the cards at all (i.e. Zero Transaction), there will be annual fee imposed, even though for the case of Lifetime Fee Waiver credit cards.

Is that true?
Win Win Inspiration
post Mar 7 2016, 06:02 PM

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QUOTE(laymank @ Mar 7 2016, 01:57 PM)
Don't think so.
If it is zero fee, how to charge AF and what amount?

Unless this is waiver with conditions, then maybe.

Having said that, if you have a credit card that you do not need for past 12 months, there is no reason keeping it, too.
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Thank you for your kind response Laymank.
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post Mar 7 2016, 06:03 PM

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QUOTE(supersound @ Mar 7 2016, 01:57 PM)
Just make it simple, how many cards you have in hand?
If yes, how many of them are cash back cards?
If you are holding cash back cards, do they able to cover all of your transactions?
I have 5 credit cards, with 3 of them are cash back cards, most of my transactions are covered by the cash back cards, but some spending like in the hard ware shops are not, this is when the dual cards come handy.
And on the AF, as long as those small fonts never stated, they can't simple charge even you don't use the card. If really worry too much, just make a small transaction.
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Thank you for your kind response supersound.
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post Mar 7 2016, 06:03 PM

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QUOTE(Human Nature @ Mar 7 2016, 04:25 PM)
The answer is NO for this card.
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Thank you for your kind response Human Nature.
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post Mar 8 2016, 09:01 AM

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To all Maybank 2 Card holders,

Understanding that both cards have their very own benefits, but under normal transactions (where either card shows no extra/additional benefit), which card (AMEX/VISA) that you use?
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post Mar 8 2016, 01:33 PM

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QUOTE(mycolumn @ Mar 8 2016, 12:44 PM)
AmEx always. It rewards 5 points for every rm1 spent while visa rewards only 1 point for every rm1.
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That is nice.
I shall now do some research on the TP accumulation and how we do utilize the TP.

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