You purposely add salt to my wound. I don't have VS la.
I just saw the VS card of my HR Manager, she complained the quality of card is bad.

6 months

hello! last month i forgot to pay my statement balance on time >.<

due date was on 12 nov, but payment only went through on 13 Nov. i paid my statement balance, so got some outstanding balance (not due yet). So wanna ask if late payment charges and finance charges will incur? Based on T&C it should be, but how does it start calculating? I check my unbilled statement, but so far no sign on these charges yet. And does it affect the 20days interest free period for the next statement cycle?

Anyone can explain to me?

First time forgot to pay on time >.< have to set reminder earlier d. Sigh.

Thanks ya~

I asked some merchants before the reasons why they do not accept American Express credit cards.

They said that the acquirer bank imposes a minimum total transaction amount that must be achieved in a month. If the amount paid by all customers using American Express credit cards in a month is less than the so-called minimum amount, the acquirer bank will impose a hefty fee on the merchants.

I am unsure how true their claim is. To be exact, who exactly imposes minimum total transaction amount in a month? Is it acquirer bank, Maybank (acting as exclusive acquirer of American Express in Malaysia), or American Express Company (in US)?

Who is telling the truth, and who is telling the lies?

If Visa and MasterCard do not impose any restrictive rules (imposing surchange) in the credit card terminal, then perhaps American Express do not impose such restrictive rules as well.

I was informed by Maybank staff that the 5xTP will no longer available. All cards will get 1xTP only.
Starting 15th April 2016.