Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Maybank Islamic MasterCard Ikhwan Platinum/Gold V2, Another Fantastic 5% Cash Back Card
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 Jan 2 2016, 11:56 AM
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#101
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Staff
72,840 posts Joined: Sep 2005 From: KUL  
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QUOTE(zstan @ Jan 2 2016, 11:55 AM) i always pay immediately Then you are not fully enjoying the free 20 days interest free after your statement date.  so my statement balance is negative now  I only pay on my due date. |
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Jan 2 2016, 12:16 PM
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#102
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(zstan @ Jan 2 2016, 12:13 PM) i just started working so not much cash in hand yet  scared i overspend Then you shouldn't use credit cards.  Anyway, there's nothing wrong in paying it earlier. Your cash back can be used in your next spending.  |
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Jan 2 2016, 01:06 PM
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#103
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(zstan @ Jan 2 2016, 12:43 PM) i got cash only i spend lor Yes, spend within your means. but use credit card to collect points and cash back instead of paying cash on the spot. yup. RM30 in december syukurr QUOTE(Osho @ Jan 2 2016, 12:49 PM) If due date is 4th for example, you set effective date to be 4th on your order right? How about GIRO for other banks credit card, GIRO also put effective date 4th and no interest will be incurred right? Here is how I pay my bills to other banks via GIRO.I always set effective date 2-3 days before due date (so I'll put 1st-2nd for my effective date if due date is 4th) because I want to avoid delay and kena interest especially GIRO. Not that 2-3 days make a lot of difference in my cashflow but I'm curious if set effective date to be the due date (especially GIRO) will get interest/penalty? Mind to share? Thanks. If it falls on working day, I only pay on the same day around 10 a.m. and the other side will receive within the same day. If it falls on Saturday, I will pay on Friday's 10 a.m. If it falls on Sunday, I will pay on Monday's 10 a.m. I don't encourage you to do the same but I still do it anyway. So far I haven't been charged with a single cent of late payment after using CC for so many years. The above is just my practice, I will not be responsible if you are charged with any late payment. |
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Jan 2 2016, 01:31 PM
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#104
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(Kaka23 @ Jan 2 2016, 01:29 PM) How can u remember all ur dates to pay up? I use my Outlook calendar during working days and mobile phone on non working days.Anyway, I kinda know which date which card due soon, so will just confirm again when approaching due date. I have 12 cards. |
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Jan 2 2016, 02:01 PM
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#105
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72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(Kaka23 @ Jan 2 2016, 01:40 PM) Wow.. why use till so many cards?? 12??? Different card, different purpose. Which cards you use the most in terms of top 5? Use mostly is HLB Wise, HLB MACH, UOB VOX, CIMB CR and M2Cards AmEx. |
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Jan 2 2016, 09:01 PM
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#106
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72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(shamsay @ Jan 2 2016, 08:57 PM) which bank give the best rate for balance transfer..thinking to transfer balance to maybank..is it ok.. Aeon, 0% for 6 months. |
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Jan 2 2016, 09:47 PM
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#107
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72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(shamsay @ Jan 2 2016, 09:26 PM) heheh..just got 3 cards this month..vox,cimb cr and m2u ikhwan plat..which one u recommend Er.. Neither for BT? |
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Jan 3 2016, 08:56 PM
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#108
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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I'm not too sure if I can change the statement date same as Maybank2Cards.
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Jan 3 2016, 09:58 PM
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#109
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(kart @ Jan 3 2016, 09:54 PM) The statement date of my Maybank Islamic MasterCard Ikhwan card is same as that of Maybank 2 Card. As such, you should be able to change the statement date to suit your needs. I was expecting the same, mana tau different date. I will call CS. |
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Jan 3 2016, 11:37 PM
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#110
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(kaiserreich @ Jan 3 2016, 10:46 PM) Received Ikhwan card after applying through M2U. Mine is 10/20 so still OK. Expiry date is xx/2018  |
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Jan 4 2016, 12:05 AM
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#111
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(victorywp @ Jan 4 2016, 12:03 AM) how fast is applying through m2u? do you convert or apply as fresh? Based on others feedback here, it's very fast 3 days and approved already. |
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Jan 4 2016, 06:36 AM
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#112
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(victorywp @ Jan 4 2016, 05:07 AM) means should be apply as fresh right? Yes. |
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Jan 4 2016, 07:28 AM
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#113
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(Kaka23 @ Jan 4 2016, 06:53 AM) Freah means need to show pay slip and epf statement la? It depends on the requirements. Usually just either payslip or EPF statement. |
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Jan 5 2016, 12:13 AM
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#114
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(kaiserreich @ Jan 4 2016, 11:51 PM) I am an existing 2 cards user, but applying as fresh(?) Erm, shouldn't be, I think you can clarify. They should give you based on your income unless you specifically requested for gold.Anyway, very simple process for Maybank. Most banks would require you to print, sign and scan. Maybank is all digital. But Maybank gave me Gold Card even though my pay is eligible for Plat. Plat is mostly for bragging rights, but must they be so strict for ikhwan? I got Plat nevertheless and I applied for Plat la. |
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Jan 5 2016, 12:21 AM
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#115
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(victorywp @ Jan 5 2016, 12:17 AM) and you are existing mbb2cards plat? Maybe when I apply for VS, I will use M2U. by the way, how do you apply via m2u? most of us here apply at their service centre for fast approval. but now via m2u also can be few days which is considered fast too. |
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Jan 5 2016, 12:28 AM
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#116
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(victorywp @ Jan 5 2016, 12:24 AM) i think you should search any free gift when apply elsewhere or not first. I'm already an existing Maybank customer, so it is not easy to be given with free gift. |
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Jan 5 2016, 08:57 AM
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#117
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(Human Nature @ Jan 5 2016, 08:41 AM) Looks like i am missing something. How do you apply a principal card from M2U? I can only see option to apply for supplementary. From here: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-CardsYou can see from the banner. |
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Jan 7 2016, 02:14 PM
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#118
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(galaxynote259 @ Jan 7 2016, 02:06 PM) Got my Ikhwan card, converted from mbb dual card, just got my dual card in November so I had to do conversion to get Ikhwan card.they won't approve Ikhwan On top of dual card Erm, why not? Most of us still have the M2Cards on top of our Ikhwan?  |
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Jan 7 2016, 05:13 PM
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#119
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(panda-man @ Jan 7 2016, 05:05 PM) maxis post paid cant pay at sams right? Not that I'm aware of. |
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Jan 7 2016, 05:17 PM
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#120
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Staff
72,840 posts Joined: Sep 2005 From: KUL
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QUOTE(panda-man @ Jan 7 2016, 05:16 PM) i wonder why hotlink can and postpaid cant. Hotlink is reload... must be different sellers? too bad. i guess no 5% from that. and also time internet cant.... so sad. |
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