Alright, thought they would reject if it is not in NRIC.

tak boleh means, the form does not provide section to fill name on card, or there is such section but rejected? If rejected, means they automatically follow NRIC for you?

alright, let me test my luck

A scenario as below:

Let's say annual fee is charged to my credit card on 20-Jan-2016.

I do not want to pay and let's say I terminate on 21-Jan-2016. No usage after AF is charged.

Q1: Do I need to ensure that there is no outstanding amount by 20-Jan-2016 so that I can terminate without paying the AF? Or I can settle any outstanding amount even after the AF is charged?

Q2: The 'no usage' after AF is charged refers to swipes only right? If a cashback is credited after the AF is charged, is that considered as usage?

Thank you

Your (i) is for Maybank? Yes, my question is for Maybank too

Meaning it is okay to have outstanding amount after they charged the AF, as long as I clear the outstanding before cancellation.

What if the AF is charged but I wait for the cashback to enter first before cancellation? Is that ok? Will they consider the cashback as 'usage'?

The date of AF charged and cash back credited in is just 3-4 days.

This post has been edited by Human Nature: Jan 29 2016, 10:49 PM

thank you for this piece of info

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?

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

depends, if i am near to the redemption points then may use amex but so far mostly unable to accept amex

Refer to my reply at hsbc thread.

Happy Chinese New Year @Hye and good to have you dropping by

How many days in advance the bank need to give notice on any revision to CC?

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

I am hoping for another card member to take the lead as I have 3 pending complaints with BNM, one of which concerning Maybank. Having said that, I have sent an email to Maybank about this too

from your description, most like your record is too clean. maybe apply from a bank where your salary is credited to?

if your salary is banked to cimb, then cimb CR card is a good starting card

The cooling period is only if you are applying the same card

I am guessing it is possible...maybe if the income req for the second card is lower..logically

I would suggest you to file a complaint direct to Bank Negara. 4 banks doing this paint a very bad picture. If they can forge signatures for CC application, who knows what else they have been doing.