Yes, ask CS if you can appeal for your recent rejection. Ask if they need any further documents or anything.

Note: If only you fulfill the requirements, then can try since you are think it should be OK.

This post has been edited by fruitie: Jul 20 2016, 09:01 PM

You can call to cancel first and settle the bill when statement is out but bear in mind for cards which give cash back, probably after cancelled, you will not get any cash back. Keyword: Probably.

You have to pay for it. The refund will come in later, and will offset with your future purchase.
Else, when the refund comes in, call bank and ask if can offset against the statement amount.

I had refund before too but because I still use the card, so let it offset my future purchases while I pay that amount first to avoid any interest due to shortpayment.

I'm not bro la.

Anyway, not all banks allow. So try your luck.

Well, it depends on your needs.
CIMB has one of the best exchange rates.
AmBank WMC/VI gives RM1 = 5X AmBonus Points for overseas spend and 5,000 AmBonus points = 1,000 Air Miles.

This post has been edited by fruitie: Jul 22 2016, 03:58 PM

Bro your head.
Yes, depends on your needs and I heard AmBank WMC/VI's exchange rate is pretty good too. One of the better ones.

If you want to be nasty, can complain to BNM. They cannot do this.
That aside, CIMB CR is quite a useful card.

It's useful for online transactions.

Some banks will penalize you for early settlement. So, please check with your bank directly regarding this.

Why need to close it? You just simply put the debit transaction limit to 0 and you can use it as an ATM card. I have a debit card but never activate anything for debit purchases, I'm only using it as my ATM card.

No charges to close or deactivate debit card.

This post has been edited by fruitie: Jul 26 2016, 10:24 PM

I see. I have more than 4 bank savings accounts too. Undeniably still Maybank is the most convenient among all my banks, convenience for ATMs. I will rather close others than Maybank.

Yes, should be OK.

It is not a standard practice. Some only requires 3 months payslip.

Most of the banks but they have the rights to ask for more. You still have to give.

You can use it immediately if they have installment plans.

Er. If your installment is a conversion from normal purchase to installment, I don't see why not. You charge like normal to credit card, then call CS to convert for you to installment. Usually it takes few days to be reflected on the unbilled transactions. Or yours is direct conversion from the merchant you purchase from?

Sorry, my last installment was at least 4-5 years ago, it's better you check with CS.

Yes, McD's accepts AmEx. It's Fast Food and entitled for weekends dining cash back.

3k gross or nett? How much do you still left with BT?

Then just use back the old account no.? It still can be accepted by TNB until mid of Oct. I paid mine with old account no. on 1st August via UOBPayOnline too.

cybpsych called UOBPayOnline CS before and they said their system is already up and ready for 12-digit account no. If it's not working for you, please call and inform them too.

So long prompt payment, it should be OK but again it is really up to banks to approve or not.
Maybe you can run CCRIS report to check out your record?

I just go to BNM to print out because I'm in KL.