I got it quite fast, within 3 days or something.
Not sure now if it is because of reinstatement of M2Cards, they receive more applications and take longer time to process and print cards.

Yes, no worries.
Based on my own experience with few banks, Maybank inclusive.
However, I do not encourage late payment all the time. I understand sometimes we tend to overlook, me too sometimes but max only 2 days.

Chances to be rejected are still high. Have you tried checking your CCRIS before applying again?

Then try your salary crediting bank first.

I heard Citibank is quite lenient. You may try if you haven't.

I think apply directly with banks will be better. Anyway, I always apply my cards via banks' official channels.

Read carefully. "Get 10% interest back on purchases and cash advances every month when you pay at least the minimum monthly due amount on-time."

Interest for shortpayment will kill you.

PBB VS thread is now rebranded for both Quantum and VS card.

If telco payments, then UOB YOLO is not too bad. Been paying every month with no issue.

No. CIMB CR doesn't give 5% cash back for telco payment. Just 2% if it's standing instruction.

By the way, please multi-quote in the future.

Why there's fee for standing instruction?

Check out UOB thread, first post has the list.

I thought I mentioned that? Only 2% cash back. Suddenly you mentioned there's fees for standing instruction...

Not for CIMB.
PBB VS can refer to PBB VS/Quantum thread, I think still nothing for Quantum yet as it's a new card. Supposedly should work the same like VS.

2nd May is not a PH.
Actually 1 or 2 days delay will be accepted by banks. You can do instant transfer or normal IBG on 1st. Well, it's just me, been doing this if my due date falls on weekends or PH. I will only pay on next working date before 10am with IBG.

This post has been edited by fruitie: Apr 29 2017, 08:45 AM

Nope, never got charged with any late payment interest since I started using CC 8 years ago.

Just move on, OCBC won't waive and nothing interesting with their cards.