strongly advise you to make this to BNM.. BNM sure will take stern actions on this case.

I have replied from BNM they will investigate this matter on 6% GST extra charges and will revert me back soonest

meanwhile i have met custom high ranking officer and he informed me he will issue compound to that particular shop

i suggest you channel to BNM and meet custom officer face to face with proofs, of course.

Guys, I'm have been using Maybankard 2 Cards for two years and I wonder if I can upgrade to the platinum cards if my income doesn't satisfy the requirements?

Basically I may need to travel overseas for a business trip and my current gold cards credit limit is not good enough, and the benefits aren't as good as the platinum as well when used overseas.

With chip and PIN, the responsibility of a fraud is pushed to the merchants and customers instead of the banks.
I foresee future disputes on any fraudulent case will end up in tug of war with the merchants in future.

Thanks, found it under the general T&C:

14.7 VARIATION
The Cardmember agrees that Maybank shall be at liberty and reserves the right to vary, add to or amend the terms and conditions under this
Agreement or arrangements (including the privileges made available by Maybank in connection with the Credit Card whether such privileges are
set out herein or elsewhere) whenever Maybank deems necessary by giving Twenty One (21) calendar days prior notice before the implementation.

For MBB VS 

May I know for renewal of credit card, do i need to register once again all the current auto payment (maintenance fee, insurance, etc)?

Thanks. : )

hello..i have a question regarding "new to bank". usually, banks will give more privilege to those who are new to bank. for example, last time public bank have promo get luggage bag or somethin if apply for their credit card, but only for those who are new to the bank. those that already have other pbb credit card not entitled for the gift if they apply for that type of cc.

for my situation, i applied for home loan to a few banks. then without me knowing, i received many cc's from most of the banks. when i call a call center for one of the banks (it's cimb), i told them i want to cancel the cc they gave me, and can i be considered new to bank in the system coz technically i did not apply for their CC, their ans is no. Coz when i applied for the home loan, i have agreed and signed that the home loan and cc is part of a bundle package.

the thing is, I never signed anything! i only gave my documents for home loan application, so even if there is a document, maybe the officer would have signed it for me????

my question is:

1. is there any way that I can still be considered "new to bank" by showing that they never get any consent from me? I don't even have anythg to prove anyway, but just asking if anyone got experience

2. not related to cc, but is it normal for home loan application, not to have any forms to be filled etc? I applied for 6 banks and 4 out of 6 did not ask for my signature, did not ask me to fill up forms..

1. You can cancel the card and after some time (6 months to 1 year, depending on bank), you'll be considered new to bank again. If you are sure you didn't sign a credit card application form, you can complain to bank and BNM about this.

2. Based on my personal experience with several banks, the loan officer will include an empty credit card application form and ask you to sign when applying for home loan. Most people will just sign it and the loan officer will fill up the form for them.

I booked a hotel at booking.com under 'book first, pay later' option. However, received sms alert that the full amount has been charged to my card. Is the notification just a formality but nothing is actually charged?

The sms states the hotel name and not booking.com

Anyway, I have cancelled the booking. It is under Free Cancellation option.

thanks for the info. will follow up with aeon 

add: just spoke to representative from booking.com and he confirmed that I was charged and he will arrange for refund.

So, you know how some credit cards gives extra points/entries for their campaign when say spending overseas...

Since with online purchase nowadays, would agoda paid in foreign currency be considered as oversea spending?

My question is actually, will extra points given for online spending?

have you tried paying air tix, not mas or airasia, (in foreign currency) with MBB VS?

Hi guys, just got my application for MBB card rejected when i apply via online...wanna ask if pledge FD for their cc did i need to wait another 6 month later to apply?

Thanks.

Hi, got a question here. Can i use tenancy agreement together with my payslips to apply for credit card? Do they accept tenancy agreement rental as income?

My rental only start next month. If just tenancy agreement cant? If need payments prove means need wait 3/6months only can apply ya?

shouldnt be any issue.

i've gotten my 2nd house loan early this year and already gotten the following cards since:

1) uob yolo (indirect application as they called me)
2) mbb ikhwan visa (walk-in maybank card centre)
3) 3x pbb vs (1 principal + 2 supp) via email
4) aeon big visa (walk-in aeon credit service centre)

all approved easily.

From my experience, I applied for a 7 figure housing loan based on my sole income, and while holding 20+ CC (have been applying and cancelling very regularly for the past 5 years). All banks approved my application easily. However, I have never missed payment, had no outstanding balances, and no other borrowings in the past except a car loan which I paid in 2 years.

I don't think CC applications / number held is such a huge factor. It's probably credit history and total amount outstanding which matters

On a semi related note, my colleague is much more senior than me and earns more than me. She has only held one CC her whole life (entry level Citibank clear card) as she uses her husbands supplementary. Limited credit history and no loans for 15 years. She has been rejected by several premium CCs, and her max approved loan amounts are less than mine.

We're old-timers in an industry which rewards seniority and experience, so gross income looks decent, but at the end of the day, still have to count dollars and cents carefully (which explains my obsession with cashback and saving in general).

And I agree that it is ironic that I am "rewarded" for maxing CC benefits, compared to people who use CCs prudently, or pay off debts using cash.

Good luck with your PBB application. Really hope you get it, as it is my favourite CC by a mile.

Not sure about PTPTN.

House loan got house as security. If you don't pay they take your house..

But CC is unsecured that's why the % of outstanding will affect CC application..