why dont just pay on Maybank2u site?

This is Maybank Ikhwan thread so obviously paying with Ikhwan card.

Do you guys get Treatpoints on Friday/saturday with 5% cashback???

because MBB service email told me that for every transaction that entitled for 5% cash rebate, treats points will not be awarded for that transaction.

My supp card always get TP. But my principle just get TP recently. I only used it on groceries and petrol on Friday/Saturday. And they told me this. This is so inconsistent.

No cash back because if pay in Sam's Groceria is considered as groceries and entitled for cash back.

No TP if use on Fridays and Saturdays for petrol and groceries.

When I see the reply above I am just like , we are talking about Maybank Ikhwan cash rebate 5% for the past 100++ post and this is V2 of the topic still got ppl don't get what we're talking.

Sorry new to this but the cashback is not credited into our savings instead it's just credited into the outstanding balance (i have negative outstanding now)?

u use card, cashback credited back to ur card lo.

Normally early on 2nd every month the column last payment amount is our cash back. Later in the evening or night only can see cash rebate written at trasaction history .

oo i always thought we get cash back in our savings tq for the info

It's for us to offset our credit card payment. Your statement balance can be deducted with this cash back and pay the balance if I assume your due date is not up yet.

i always pay immediately so my statement balance is negative now

Then you are not fully enjoying the free 20 days interest free after your statement date.
I only pay on my due date.

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.

i got cash only i spend lor but use credit card to collect points and cash back instead of paying cash on the spot. yup. RM30 in december syukurr

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?

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.

Yes, spend within your means.

Here is how I pay my bills to other banks via GIRO.
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.

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.

Wow.. why use till so many cards?? 12???

Which cards you use the most in terms of top 5?