Any penalty clause written in the T&C?

I am not 100% sure.
But for home loan, the bank owns your property until it is fully transferred to your name.

In other words, the approval should be verified against the property value, your income vs commitments rather than how much CL you have, in my humble opinion.

Unlike credit card, there is nothing the bank can hold from you if you don't pay.

In that case, that will probably eat into the approval limit, i.e. 80% of the property value rather than 85%. And I am sure the 5% difference is far higher than cutting 5K CL.

Add your VOX to M2U under other banks' credit card.
Then use VOX to pay DBKL in M2u.

about 2 working days.

More like 20 days after the statement date.

If you would like to prolong the repayment, you may consider those 0% interest Balance Transfer to other credit card you have.

No.

if you have an average RM2k general monthly expenses that doesn't earn you cash back from any card, you can consider HLB Fortune card. Otherwise, HLB Essential.

https://www.hlb.com.my/main/personal/cards/...m-business-card

some banks, yes, while other no.

But you'll never be sorry to call up and inform them, to prevent unnecessary inconvenience when using your card overseas.

I didn't see a clause that says it's limited to business owner though.

Ah! that's too bad then.

Received email from banks saying there is a recent surge of credit card frauds.

Please monitor your accounts online diligently.

if it is a really big amount purchase, sure you can.
just tell the retailer that your credit limit is not enough, please split them.

Unless there is a promotion, otherwise Maybank usually charges an upfront fee for the total amount.

this is no easy question.

if you got the promo from the shop, then you need to check with the shop on their T&C.
if the promo is from CIMB, then you need to check the T&C from the bank.
See if they have a clause for 'penalty' on early termination.

When you say 'settle my debt with using credit card as soon as possible', I assumed you meant settling your credit card debt as soon as possible. Then same answer again, you need to check the promo T&C to see if there is any 'penalty' on early termination.

But if you are diligent credit card user, make good use of the credit card promo of 0% fee and keep your money in FD if you will, earn some interest and slowly pay off your 'debt' if you have extra money.

are we talking about EPF statements or Payslips now?

depends on the mode of your payment, too, i.e. by check, GIRO, instant transfer, ATM deposit, cash payment, etc.
some banks shows real time update, others, next day.

I think Maxis gives better discount.
http://www.maxis.com.my/en/personal/servic...er-billing.html

should be excluding, since supp card is sharing your credit limit. Only Principle card matters.

This post has been edited by laymank: Oct 6 2016, 03:03 PM