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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq

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fruitie
post Apr 1 2016, 12:05 AM

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QUOTE(mycolumn @ Apr 1 2016, 12:02 AM)
owh, i see. Thanks for the update!
*
So, it may affect your loan application in the future.

I'm also affected. bangwall.gif

Luckily I don't have anymore credit card that I want to apply now. sweat.gif On another hand, I want to cancel one of my cards.
fruitie
post Apr 1 2016, 12:49 AM

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QUOTE(mentalkronik @ Apr 1 2016, 12:39 AM)
Anybody hear about the imoney zero gst card? Is it april fool or what? The cashback look crazy
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Sure April Fool la. laugh.gif
fruitie
post Apr 1 2016, 01:00 AM

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QUOTE(mentalkronik @ Apr 1 2016, 12:52 AM)
https://www.imoney.my/credit-card/imoney/zerogst?apply=true
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laugh.gif So freaking obvious it is fake. If there are still people fall into this, I'm so speechless. laugh.gif
fruitie
post Apr 1 2016, 01:48 PM

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QUOTE(edwardccg @ Apr 1 2016, 01:42 PM)
Got my ccris.
So now ctos also got ccris record. Is there any different for it to cost rm10 while ccris is free ?
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CTOS is only important if you are blacklist from banks.
fruitie
post Apr 2 2016, 11:12 AM

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QUOTE(hurtedheart @ Apr 2 2016, 11:08 AM)
and so does this?
AEON Kredit
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Obviously prank, Gen-X is famous for doing that. laugh.gif

This post has been edited by fruitie: Apr 2 2016, 11:12 AM
fruitie
post Apr 4 2016, 06:03 PM

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QUOTE(fkinmeng @ Apr 4 2016, 05:55 PM)
other than going directly to ptptn office, anywhere can pay ptptn by credit card to earn points/rebates?
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Nope.
fruitie
post Apr 4 2016, 10:07 PM

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QUOTE(Human Nature @ Apr 4 2016, 09:54 PM)
remind me again...kinda recall someone reported that recently cannot use CC for PTPTN anymore even at the branch, did i recall wrongly?
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Yeah, read it somewhere. hmm.gif
fruitie
post Apr 5 2016, 12:46 AM

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Is there such a thing where if one transaction is not posted after a period of time, it will be voided? unsure.gif

Or there is no end date and merchant can post it after few months or one year later? unsure.gif
fruitie
post Apr 5 2016, 10:12 AM

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QUOTE(victorywp @ Apr 5 2016, 01:23 AM)
the latter. why?
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sad.gif OK, there is a missing RM 500 that yet to be posted and already two months, I want to see if there is a possibility will be free money from banks. rolleyes.gif

QUOTE(Human Nature @ Apr 5 2016, 10:02 AM)
just called ptptn and it is still possible to pay using cc at counters
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Oh, then you have things to spend. laugh.gif
fruitie
post Apr 5 2016, 01:16 PM

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QUOTE(victorywp @ Apr 5 2016, 12:27 PM)
cancel your cc now and it will be free money lor. apply again in the future. rm500 leh. me bad uncle. lol...
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It's Ikhwan. Once gone, difficult to get back. sad.gif
fruitie
post Apr 5 2016, 03:47 PM

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QUOTE(victorywp @ Apr 5 2016, 01:42 PM)
rm500 enough to fully cover your cb for 10 months! apply 6 months later lah.  biggrin.gif
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PTPTN already in CCRIS, I don't know how ugly mine will turn out later. sweat.gif laugh.gif
fruitie
post Apr 7 2016, 01:04 PM

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QUOTE(asiatrader98 @ Apr 7 2016, 09:50 AM)
any recommandation for emergency purpose, the best is cash back 

easy to get higher credit limit but annual fee free of life (only use when emergency)

thank you
*
If you have Great Eastern insurance, then GE Plat is a not bad choice.
fruitie
post Apr 7 2016, 07:28 PM

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QUOTE(asiatrader98 @ Apr 7 2016, 02:51 PM)
thank you bro but i don't have the GE insurance with me currently
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I'm not bro. sweat.gif

It's a good card for me as back up. There was once they allowed non-GE customers to have it but too bad, now no more.
fruitie
post May 8 2016, 11:12 AM

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QUOTE(adele123 @ May 8 2016, 08:44 AM)
Need confirmation on supp card payment.

i would only need to transfer from my account and GIRO to the principal card number the full amount (principal + supp), correct?
*
I split payment, pay separately.
I know some banks don't split for you, for e.g. AmBank.
fruitie
post May 8 2016, 11:21 AM

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QUOTE(adele123 @ May 8 2016, 11:16 AM)
Thanks both. it's cimb btw. appreciate if you have the past experience. else i will call in tomorrow.
*
Sorry but I don't have CIMB supp. Can't help much but knowing me even if I have one, I will still split payment. Easier for me and only spend additional RM 0.11 rather than calling and checking with them. However, that's just me. tongue.gif
fruitie
post May 9 2016, 04:05 PM

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QUOTE(wonglokat @ May 9 2016, 11:50 AM)
Hey folks,

Hunting for my first CC to build a good credit history. No specific preferences but additional cash back on my monthly expenditure is a good thing.

I'm starting out without commitments, yet, and my ~40+k income goes into servicing PTPTN loans and utilities. Would appreciate additional input besides the CIMB Cash Rebate and the Maybank-I's Ikhwan.

Thanks
*
Please post in this thread: https://forum.lowyat.net/topic/3644347/
fruitie
post May 10 2016, 04:43 PM

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QUOTE(wonglokat @ May 10 2016, 04:42 PM)
What is this "latest BE Form with official tax receipt" to be submitted with CC application? Is that the slip pengesahan for BE filing?
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This is just one of the required documents, optional most of the time if you don't have payslip and EPF statement. You don't have any of these?
fruitie
post May 10 2016, 05:44 PM

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QUOTE(wonglokat @ May 10 2016, 05:04 PM)
hey fruitie,

I do. Just not sure if they wanted the pengesahan or the breakdown of it. Want to make sure everything is in order so no need to keep going back and forth.

Thanks. Will submit the application once I got my IC scanned and crossed.
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I have never submitted my income tax document for any of my applications.

It is usually IC + 3 months payslip or/and latest EPF statement.
fruitie
post May 17 2016, 02:12 PM

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QUOTE(eddievh @ May 17 2016, 02:02 PM)
Maybank sifu,generally maybank TP is equal to how many percent cb ? For example maybank2card amex 5X to = %cb ?
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1.25%.
fruitie
post May 19 2016, 11:33 AM

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QUOTE(peter32 @ May 19 2016, 11:24 AM)
Query on Extended Payment Period (EPP, usually so called interest free)

Usually EPP is used to purchase big item eg. TV etc.  Can we arrange EPP for items like pharmacy product monthly ? 

If it can, how do we come about doing it ? 
Thanks for all the help .
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I don't think pharmacies have that, so you will need to call your banks if they have installment plans for retail purchases. If there is, usually with interest, you buy from pharmacy and call bank to convert to installment.
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