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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
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Sep 29 2016, 09:47 PM
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Rise and Shine
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QUOTE(peigeng @ Sep 29 2016, 06:59 PM) Thanks for reply.the thing is when I apply my card,i clearly state my mailing address,however they follow my ic address and send to my hometown.can I ask them to resend? If nobody is at home to pick up and re-route back to them, then they can provided it is Poslaju. I always have issue with address.
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fruitie
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Oct 1 2016, 09:37 PM
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Rise and Shine
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QUOTE(bennyt @ Oct 1 2016, 09:11 PM) Does anyone already get PinNPay Card from OCBC? As I do not receive any update from them. By the way, I can't find OCBC Thread to post (As all are Closed) I have received and very troublesome. I have to change the PIN and OCBC ATM which I haven't done. Only activated for now.
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fruitie
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Oct 10 2016, 09:40 PM
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Rise and Shine
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QUOTE(sj0217 @ Oct 10 2016, 09:22 PM) Has anyone transfer funds to HL credit card from M2U on Friday, 7 Oct ?? I have transferred funds to my HL CC (Mach & Essential), until today still has yet to be credit to HL bank However, same goes to other CC payment too, PBB & SCB have already credit, is it HLB CC a bit slow ??  Honestly my HLB CCs receive fund quite promptly, you may want to check with HLB CS.
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fruitie
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Oct 11 2016, 12:10 AM
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Rise and Shine
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QUOTE(cmk96 @ Oct 10 2016, 11:59 PM) hi... i applied for Maybank mastercard increase limit and rejected. Reason given is bank negara do not approve. Does bank need Bank Negara approval to increase limit? Been using the card since 10 years ago. Payment is prompt. How much is the maximum limit based on salary? 4x? It is by the discretion of bank. Usually 2-3x for gold and Plat cards. Premier cards, there will be minimum credit limit set by banks. Actually some Plat cards also have minimum CL. Which card that you tried to increase?
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fruitie
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Oct 11 2016, 09:33 AM
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Rise and Shine
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QUOTE(cmk96 @ Oct 11 2016, 08:10 AM) Gold mastercard. Can pledge credit limit increase with FD? You can but wasted for such card. I don't recall anything interesting with this card. Do you have any latest payslip?
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fruitie
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Oct 11 2016, 11:00 AM
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Rise and Shine
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QUOTE(cmk96 @ Oct 11 2016, 10:46 AM) This is just a basic credit card. Got it soon after i graduated. I think my pay slip amount is not much. But still eligible for platinum card. But i never apply. In order to increase CL, just give them your 3 months' latest payslip and most likely will be granted.
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fruitie
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Oct 13 2016, 04:12 PM
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Rise and Shine
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QUOTE(eastwest @ Oct 13 2016, 03:58 PM) If I have too many CC, will it affect my credit score? Nope, unless you are not a good paymaster.  Of course always cancel cards which are useless, heard that the total credit limit will affect your commitment and which may affect loan applications.
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fruitie
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Oct 21 2016, 12:52 AM
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Rise and Shine
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QUOTE(drbone @ Oct 20 2016, 11:51 PM) This is the best card for you already, no more other choice.
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fruitie
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Oct 21 2016, 06:32 PM
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Rise and Shine
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QUOTE(drbone @ Oct 21 2016, 05:12 PM) Any CB for purchase of tyres? Which would be suitable to use ? Normal retail and which HLB Fortune will be useful.
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fruitie
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Oct 21 2016, 10:31 PM
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Rise and Shine
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QUOTE(drbone @ Oct 21 2016, 10:18 PM) 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! Yes, you will need to fill in the dispute form. Ask them to reissue you a new card with new set of no.
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fruitie
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Oct 21 2016, 10:38 PM
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Rise and Shine
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QUOTE(drbone @ Oct 21 2016, 10:36 PM) How often does this happen? And will I get my refund? This is the second time it as happened to me. Besides, I am not reckless with my card. Somehow AmEx is very prone to fraud cases.  Well, you will. Most of the time, it will be solved before your payment.
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fruitie
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Oct 21 2016, 10:46 PM
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Rise and Shine
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QUOTE(drbone @ Oct 21 2016, 10:41 PM) Fruitie , its impressive how you're pretty well versed with this credit cards stuff. Lovely! Just learning and picking up from others.  If let's say the case is not solved when the payment is due, check with CS on next step. If needed, you will need to pay first, to avoid any short payment or late payment and once the investigation is over, they will refund to you. Luckily the amount is not substantial.  When did it happen and how long for you to notice it? This post has been edited by fruitie: Oct 21 2016, 10:47 PM
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fruitie
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Oct 22 2016, 02:33 PM
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Rise and Shine
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QUOTE(drbone @ Oct 22 2016, 02:24 PM) Yes pretty sure because I am based in another state. What do you mean by setting SMS notification limit to rm1? Get banks to send you SMS for every transaction and set it at RM 1. Any transaction which is RM 1 and above will trigger you a SMS.
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fruitie
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Oct 22 2016, 08:06 PM
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Rise and Shine
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QUOTE(HiT-AbLe @ Oct 22 2016, 07:26 PM) Is it safe to apply cc via third party site such as riggitplus? Is compare hero legit? RinggitPlus is a legit site but I always apply from banks directly.
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fruitie
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Oct 28 2016, 11:51 PM
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Rise and Shine
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QUOTE(jackchong890 @ Oct 28 2016, 09:58 PM) 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. Use ATM card please. Never withdraw money using credit cards, daily interest imposed. For ATM, using MBB for e.g. is around RM 15 per withdrawal. So withdraw more at one time.
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fruitie
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Oct 29 2016, 10:14 AM
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Rise and Shine
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QUOTE(iori57 @ Oct 29 2016, 09:57 AM) I tried redrawing overseas using ATM card once, and from that time onwards I swear I will never do that again. The exchange rate I got is much much higher compare with changing money in any money changer in malaysia, including airport money changers. That time I was in Japan and ran out of money because didn't plan properly, so I used my Maybank ATM card. Now whenever I travel i make sure to plan properly and always bring some extra cash, so even if I didn't use it, coming back Malaysia and changing it back I only lose a bit in the exchange rate compare to the expensive rate using the ATM card. Not sure if other banks or other countries are like this though, this is only my one time experience so do share your your story if you have good rate from using ATM card overseas. When you have no choice between ATM and credit card, go for ATM withdrawal. At least it has no daily interest.
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fruitie
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Nov 1 2016, 02:22 PM
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Rise and Shine
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QUOTE(plumberly @ Nov 1 2016, 11:57 AM) Asking here whether sup card is ok for parents. Thought it is only for spouse and children. Yes, OK. My mum is my supplementary card holder for AmBank and CIMB. SCB rejected my dad back in 2013, I suspected it is because he was above 65 years old that time. My first card was supplied by my sister when I was in university.
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fruitie
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Nov 1 2016, 02:28 PM
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Rise and Shine
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QUOTE(plumberly @ Nov 1 2016, 02:24 PM) QUOTE(plumberly @ Nov 1 2016, 02:25 PM) QUOTE(plumberly @ Nov 1 2016, 02:25 PM) You gotta be careful with your connection. Triple posted. Duplicate posts removed.
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fruitie
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Nov 3 2016, 10:22 PM
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Rise and Shine
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QUOTE(ycgoh123 @ Nov 3 2016, 10:15 PM) try to apply RHB cc just now. system result rejected. reason: RD46. PTPTN issue T C something. i think is because i restructured both my diploma and degree ptptn. So do i got any possible chances to apply credit card now? @@ Wait until your CCRIS record is clean.
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fruitie
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Nov 3 2016, 11:17 PM
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Rise and Shine
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QUOTE(ycgoh123 @ Nov 3 2016, 11:10 PM) I start pay the ptptn since June this year. so the records is 0 since Jue until now. so maybe next year June only the record is clean? but i worried that it is the restructured status caused the problem not the 12 month 1 0 1 0 records caused the problem  Yes, one year should be safe. I believe it's the 1 0 1 0 that causes it. It has to be 0000 to prove clean record.
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