DSR is high?

Do u owe money to bank? Like loan, hp, or balance transfer, credit card debt?

sometime , it will have problem / delay to receive sms as it may caused by local service provider problem or the original provider problem

what do u want to swipe? buy online? can try to swipe whether can get successful or not.
Maybank allow some buffer for over limit.
U may call to Maybank to check.

No only hardware need to support, need to change setting or software (driver / firmware/ program) to prompt pin no for malaysia cc.

amex swipe for dining on weekend have 5% cash rebate..still ogt point to own,.unless this 5% rebate also remive

Which countries have 5% or 10% cash rebate when swipe with credit card?
I do not agree as Malaysia have consider have many cash back when swipe credit card.

But it is bank negara enforce tbank to reduce the charge on credit card to merchant which make bank cannot earn much.
So, bank have to reduce the cash back / benefit in order to gain.

Bank negara trying to encourge more merchanct to accept credit card and make the more transaction can be done via credit card by forcing bank to reduce the charge to merhant from 2/3/5% to lower.

Example, now we can see mcdonald is 1 of the example offer credit card payment which we normally just pay as less as RM10 for 1 meal. So, hope more merchant can accept credit card in near future. who know mamak or food court , food stall with accept card in 1 day.

This is very common is many country which all transaction done via electronic instead of cash.

U see from different angle. Those countries start with may be no cash bash and slowly provide some benefit or discount..

But, our here is different start will big cash rebate and reduce to only giving 5X point or 1X point. But it is still better if u comapre on it.


Based to the reason on the purpose of credit card is make ppl convenient instead of carry many cash.
The cash rebate or point is just a bonus.