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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 Sep 7 2016, 02:05 PM

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QUOTE(Morning_Star @ Sep 7 2016, 12:48 PM)
off topic. If only have MBB credit card, but no current or savings acc, can still apply for online registration with Maybank2u.com.my ?
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I don't think so. I remembered I applied mine after I logged in.
fruitie
post Sep 7 2016, 02:31 PM

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QUOTE(wonglokat @ Sep 7 2016, 02:23 PM)
If you meant getting a login credential, you can obtain a temporary PIN from MBB ATM using your card. Then proceed to m2u and set it up. And all you could do is access and process CC related stuff.

Edit: did this for 3 months before I set up a new savings a/c and linked both the SA and CC accounts together in m2u.
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Morning_Star, oops I didn't notice that you mentioned you have Maybank CC. Yes, you can link it to M2U even you don't have savings account. Then, you can apply online CC registration via M2U.
fruitie
post Sep 7 2016, 10:22 PM

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QUOTE(MrLoo @ Sep 7 2016, 10:20 PM)
I kena CCRIS by PTPTN for my diploma loan since I masuk degree, I just graduated with Degree. Any bank accept for CC application?
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Nope, banks will not approve... sad.gif
fruitie
post Sep 7 2016, 10:30 PM

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QUOTE(MrLoo @ Sep 7 2016, 10:28 PM)
Lol... stupid PTPTN, I just graduated few months back... I read the rules stated we will get 6 month grace period before need to start repaying confused.gif
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Well, you should apply for deferment from PTPTN when you continued with Degree. smile.gif
fruitie
post Sep 7 2016, 10:42 PM

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QUOTE(MrLoo @ Sep 7 2016, 10:36 PM)
I applied bro and was approved. But was told by officer that the deferment only applied to blacklist not CCRIS lol cry.gif
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I'm not bro la.
laugh.gif Then too bad lo. Start paying now and maintain good record then can apply later.

QUOTE(dannychen @ Sep 7 2016, 10:41 PM)
don't blame PTPTN, you borrow from them, you pay them back. as simple as that. must well blame yourself why borrow money from them?
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It's not that he is not paying. Read back his post. Why wanna blame for borrowing? doh.gif

This post has been edited by fruitie: Sep 7 2016, 10:42 PM
fruitie
post Sep 13 2016, 12:56 AM

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QUOTE(hirano @ Sep 12 2016, 11:19 PM)
As i got my mbb ikhwan application rejected due to bad ptptn ccris last march, does it mean i need to wait till october to apply again? Or wait next year to be safe?

I have settled the ptptn outstanding on april. The ccris record is now 0 0 0 since april.
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Do you have the settlement letter from PTPTN?
Maybe you can apply again in 6 months time but if it's rejected again then just give them the letter as supporting.
fruitie
post Sep 13 2016, 07:36 AM

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QUOTE(hirano @ Sep 13 2016, 06:54 AM)
It's not settling balance. I settled the outstanding (i.e. if by january need to have paid 10k, need to already pay 10k, the balance few hundreds by installment as usual).

Since it has been rejected last march, if it gets rejected again in october, i'm really lazy to wait again until april 2017 lol.
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I see. You may a need year for your CCRIS to be normalized again.
fruitie
post Sep 13 2016, 09:51 PM

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QUOTE(ashskywalker @ Sep 13 2016, 04:54 PM)
Hi I want to ask if my annual salary is 36k and I currently have a Mach by HLB CC back when my annual salary was 24k.
Can I now apply for a 2nd credit? Which is the Maybank Ikhwan Gold for petrol and groceries rebate?

What is the minimum salary required to have 2 cards? Will I need to cancel the Mach CC?
and also I have 1 car loan at RM 407 monthly with maybank.

Lol just thought I'd give a detailed information to get the best response.

Thanks.
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Is it more than 36k? If 36k and below can only have two issuing banks? Cards. If 36001 and above, there's no such limit anymore and it's up to banks to approve or not.
fruitie
post Sep 15 2016, 03:33 PM

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QUOTE(SubangSales @ Sep 15 2016, 03:31 PM)
Hey, made payment for my sisters's bill at University Malaya Medical Centre about RM600 but receive 0% cash back. Calculated the statement, other transaction given. it because it is not considered retail?
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Which card you used?
fruitie
post Sep 15 2016, 03:36 PM

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QUOTE(SubangSales @ Sep 15 2016, 03:36 PM)
normal pbb card  blush.gif
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Erm, does it have cash back thingy or not? Which PBB card?
fruitie
post Sep 15 2016, 03:44 PM

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QUOTE(SubangSales @ Sep 15 2016, 03:41 PM)
Yes, visa gold.

Note: Retail purchases exclude casino and petrol transactions, AIA transactions (for PB-AIA
Visa Gold Credit Card only), cash advances, balance transfer, transactions at Tunku Abdul
Rahman University and Tunku Abdul Rahman University College campus, government related
payments, payments to charity and payments via www.pbebank.com and ATM.

i think it is government related payments.
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Medical fees shouldn't be. I think you will need to check with PBB.
fruitie
post Sep 20 2016, 09:46 AM

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Is there any cash back card that gives cash back for JOMPay? Can I assume all online banking allows payment via credit cards or limited merchants?
fruitie
post Sep 20 2016, 09:59 AM

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QUOTE(cybpsych @ Sep 20 2016, 09:57 AM)
my guess is jompay is MCC-less. and most cards are giving cb based on MCC  sweat.gif
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hmm.gif I thought some online transactions are also MCC-less? hmm.gif
OK, got it. hmm.gif
fruitie
post Sep 22 2016, 01:29 PM

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QUOTE(salimbest83 @ Sep 22 2016, 12:31 PM)
hi guys/sis

really need suggestion for replacement for HLB WISE since no use in keeping it rite now after  Oct 2016 rite?

Spending use

Petrol RM550 ( 2 days RM 50 average )
TnGo RM300
Prudential RM550 for wifu me and a boy
Tesco / Shop /Milk ?diapers etc RM 500 - 600
Stemex RM170
Celcom RM80 + 50
Astro Rm55

Annual around RM48k
can suggest me a new card or cards good enough to replace WISE.
thank you for any suggestion/s
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Actually you still can retain your HLB Wise and charge the above all to that card since it is close to RM 2k and enjoy RM 100 cash back provided you have at least RM 1k spending on your chosen categories.

This post has been edited by fruitie: Sep 22 2016, 01:30 PM
fruitie
post Sep 26 2016, 01:28 AM

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QUOTE(ycgoh123 @ Sep 26 2016, 12:21 AM)
hi all, i have some questions to ask.
I just change my new job on this month, i worked at previous company from April till August last month. Can i still available to apply credit card? so the salary i need to fill up last company salary? is the bank will call company to confirm?

Thanks
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You can apply credit card so long your annual income is RM 24k and above. You will need to combine your previous company's payslip and new company's payslip as supporting if banks require 3 months latest payslip.

Salary information, you will need to fill in the latest salary information but make sure you have new payslip as supporting.

Nope, very unlikely will call your company to verify. Usually only applicable to foreigners. If loan, yes they will call. Credit cards seldom based on my own experience. I'm from HR by the way. smile.gif
fruitie
post Sep 26 2016, 10:13 AM

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QUOTE(ycgoh123 @ Sep 26 2016, 09:26 AM)
i see. thank you for your reply.
then for safe i think i better apply on next month after i get the lastest payslip from this month first?  tongue.gif
so the company details i need to fill up my new company too right?
really hope they will not call company haha
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Up to you. smile.gif
Well, even if call also no issue what, it is common for us to receive calls from banks. smile.gif
fruitie
post Sep 29 2016, 02:47 PM

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QUOTE(hirano @ Sep 29 2016, 01:57 PM)
I dont have any credit card, although i have applied before but got rejected.

Today i checked my email, which i rarely check, and saw credit card statements for Aug and Sep from Maybank. The sender is from legit maybank email. I tried to click to see the pdf statement, but it wont open with my birthdate.

I called maybank and they say i dont have any CC.

Should i still be worried?
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Of course you should. If it is indeed a legit Maybank email address, get Maybank to investigate for you.
fruitie
post Sep 29 2016, 02:53 PM

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QUOTE(hirano @ Sep 29 2016, 02:51 PM)
Couldnt find their email address, so i filled in online form on the website.

It's hard to get through their call centre.
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This is their email address which I always send to mbbcardservices@maybank.com.my smile.gif
fruitie
post Sep 29 2016, 03:34 PM

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QUOTE(Human Nature @ Sep 29 2016, 03:26 PM)
If we entered CVC wrongly, the OTP would not be sent, right?
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Yes, rightfully that should be the way.
fruitie
post Sep 29 2016, 04:48 PM

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QUOTE(peigeng @ Sep 29 2016, 04:36 PM)
Normally,for new credit card delivered to our address,what is the latest time that we need to activate the card?
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Within 60 days.
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