Out of curiosity, if my monthly credit card payments is substantially a big portion of my income. Let's say at least 50% of my monthly income. Will it affect my credit rating? I pay on time though. 

Sometimes I will pay on behalf for family or frens since I'm holding cash back card. So most of the expenses are not mine.

Sounds like HLB Fortune will be a good option because I am interested in total expenditure annually.

Anyway, I have a question, my AMEX card from Maybankard  cards was charged for dinnger at a North Indian restaurant 5 days ago for RM 160. It's an UNAUTHORIZED transaction. So, what are my next steps? I called up CS and they happily blocked my card and transferred all my treatspoints to my Ikhwan card. And they asked me to print out the complaint form from maybank2u and email back to them for them to investigate. Investigation apparently takes maximum 45 days.
Be careful all!

i want to ask how much charges to withdraw CNY cash from China ?
was outstation now but lack of CNY, plan to use Citibank credit card withdraw cash from ATM in china.

the only thing they not activate is oversea atm transaction which maybe the cause,
but does lazada consider as oversea?

sorry, a silly question here. let said I want to apply hsbc credit card and the annual fees is RM200 in first year, do i need to pay it once i activate the card or one year after only i pay it?

Due to new pin card, I have a lot of spare unused credit card. What is the safest way to destroy them? Any suggestion?

When I logged into my maybank internet banking,under credit card there show statement balance and outstanding balance with different figure,which one do I need to pay in order to avoid interest?

Hi guys,

I'm having trouble applying for credit card. Rejection reason from banks are PTPTN issue, and the advice from bank agent is either;
1- re-apply again after 6 months.
2- lock-in FD account where my cc will tie down to the FD.

I have check with PTPTN officer, I have no outstanding but I am not paying consistently previously. I normally pay a lump sum after some time, just started paying regularly 3 months back.

Is there any options other than the suggested above?

Appreciate any recommendation and advice
Thank you.

even after 12 months of consistent PTPTN payment + the current card 12 months credit record still will get reject <assuming i pledge FD to get my first card

Yes, once you've enabled international roaming then you'll receive the one time PIN's. But be cautious of roaming fees, you might end up with a big bill.

EA form records whole year's income (fixed income + yearly incentive) and can I use it to apply for CC? That means I just submit it without my payslip.

Already checked in ctos report, though it didnt specify what kind of loan it is in the report. It was later clarified by sc bank as credit limit for credit card application. Could this be the reason other bank rejecting my application also??

Noob question: if we apply through ringgitplus will not get bank own promotion right?

I shudder to think on how it will affect CCRIS report. I hope the report wont list down all the banks that rejected the application, LOL

Yea email... weird things is the email is diverted through their main email...... maybe take a few days before reaching him lol... btw already submitted documents to standard chartered... praying hard for the cb 300

Dear all,

is there any other way to increase credit limit, besides using income document (ie: payslip/EA form).

Can i use fixed deposit as a supporting docs?

Hey guys, my statement date for my card is on 28th every month. And I heard that if you want to have a good credit score, you should pay your card before end of the month as the score is calculated at the end of every month and not the due date.

I'm planning on paying on every 29th of every month (except February of course) and hope the transaction will be cleared the next day (30th). Q1) But if it's weekend, will this work? Or it will be cleared on the next working day?

Q2) And what if I don't practise this and just pay my card before its due date. Will this hurt my credit score?

Wanted to ask, if you are a customer and you bought smtg more than 10k somewhere around (eg July) and you would like to file a dispute with the bank that you did not receive any items. Should this be done immediately or you have a plenty of time to do so becoz the bank would still entertain this case ?

Scam scenerio
July : Buyer (scammer) bought rm10k worth of items online using cc. His orders went through Succesfully (verified by marketplace). Seller did cod and sent his orders within a week (but without proof of collection by buyer eg: siggy, ic,etc )

Dec : seller being informed that buyer has filed dispute that he nvr received any items from cod. Rm10k was charged bk to seller.

My question :
seller being informed of this dispute in dec but not immediately (perhaps august, a month after he realised he did not receive any items from seller?) the gap between july and dec is far too long for the buyer to file this dispute. I wonder if the buyer really reported in aug but the bank took 3-4 months to inform the seller ? Or the bank accepts dispute regardless how long (180 days-365 days) as long as the buyer claimed he never received the items ??

Live the Moment with PB Quantum Visa and PB Quantum MasterCard Credit Cards Campaign
PBB | T&Cs | Application Form

a new thread for PBB quantum should be created

anyway, we can apply via online?