im applying mbb 2 cards and PB basic cc

Since you have FD with PBB, try with PBB first and tell them to see if the FD helps.

how long will i hear from my application?

1% Late Payment Penalty Charge

The penalty charge will be imposed if payment is made later than 30 days after the bill date

The amount is calculated based on 1% (simple interest) of the outstanding bill amount, multiplied by number of days outstanding.

For example: Total billed amount: RM1,000.00 Bill date: 1 May 2010 Date of payment: 10 June 2010

Days outstanding: 10 days Penalty charge: 1000 x 1% x 10/30 : RM3.33

For this one time only, I am considering to delay the payment of my TNB bill to maximize my CB quota.

From TNB website:
The penalty is not high for 1-2 days delay. My question is, under what circumstances will TNB disconnect the supply?

until your outstanding goes higher than your deposit amount.

For this one time only, I am considering to delay the payment of my TNB bill to maximize my CB quota.

From TNB website:
The penalty is not high for 1-2 days delay. My question is, under what circumstances will TNB disconnect the supply?

No issue one la. I never pay full every month, no problem until today. No penalty, no disconnection.

they charge you 1% only after due date.. haha.. which is not big ..

No ah. Nothing as well.

Would like to seek opinion for those who holding Aeon Watami card, which of credit card will be use for normal spend once your Aeon Watami has spend max RM5k within quarter ??

Was thinking about HL Essential card since come with 0.6%, any other cards offer for 1% ??

If my 3% quota is maxed and other cards will not get any rebates, I still use Watami for the points.

Not consider on MBB2 Amex card reward point equivalent to 1.25% ?? Haha

Okay, I shall use back Watami card for point then, thanks!

wa.. so good.. last year i was charge for 1% late payment.. cause i usually pay for 2 months bill at once..

now need to make every month and charge to my scb cb card.. so far so good 

or maybe should change to wise or mach  liao 

If use MACH, which category TNB will fall into?

guess forumer here mentioned 0.2% for other spending.. just wanna show support for this card since my wallet hav only pb mach and wise , scb.. other all kept inside drawers liao haha..

else i will just pay it at some grocery supermarket and will test it out about this

Where can I apply for CTOS online and CCRIS report?