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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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Human Nature
post Feb 29 2016, 03:20 PM

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QUOTE(mentalkronik @ Feb 29 2016, 01:47 PM)
dear forumer,

want to ask is there any credit card to get any benefit (cashback) for monthly insurance payment? need advice from otai here
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Alliance Younique, HLB Essential among others
Human Nature
post Mar 2 2016, 01:41 PM

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The credit report request form has 3 pages. Second page is left blank (only for date review) The third page is the table for loan declaration. Do we need to list all our credit card details here?
Human Nature
post Mar 2 2016, 02:51 PM

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QUOTE(fruitie @ Mar 2 2016, 02:36 PM)
I have never declared anything so far. laugh.gif
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alright thanks. so just front page and the supporting docs. how long it takes them to send the report?
Human Nature
post Mar 2 2016, 03:04 PM

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QUOTE(fruitie @ Mar 2 2016, 02:54 PM)
Oops. I just saw you meant credit report. I printed mine from the machine, so can't advise further.
That said, I don't think credit cards are loans. So, should be OK. biggrin.gif
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I will just leave it blank unless they request for it. Too many CC to list down also rclxub.gif
Human Nature
post Mar 2 2016, 08:38 PM

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According to the rules/procedure, wow long it takes for the credit card account to be removed from the credit report once it is being terminated?
Human Nature
post Mar 2 2016, 09:07 PM

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QUOTE(azrin_kiko @ Mar 2 2016, 09:04 PM)
Hi guys, i want to ask. Is there any confirmed financial institution that accepts fixed deposit pledging to apply credit cards?
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CIMB, MBB, PBB among others
Human Nature
post Mar 2 2016, 11:36 PM

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QUOTE(hurtedheart @ Mar 2 2016, 11:29 PM)
Hi, want to ask:
1) I am having a credit card which its anniversary is on June this year. I am planning to cut the credit card in order to get rid of the hard to waive annual fee. When is the best timing to cancel the card in order to get rid of being charge annual fee?
2) If annual fee is charged, as long as I do not use the card after being charged annual fee, is my request later for waiver of annual fee definetly be entertained or subject to bank's decision?
Thanks
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(1) If you are already planning to cut, then anytime will do. Make sure that you do not use the card after the AF is charged or you will have to pay even though you cancel it.
(2) Still subject to bank discretion.
Human Nature
post Mar 4 2016, 12:27 PM

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QUOTE(Bendan520 @ Mar 4 2016, 10:35 AM)
Hi, Im a fresh grad, if I wanna apply for a credit card, how many months of bank statement/payment slip/EPF statement I need to provide? Given that I wanna apply for the RM24k per annum card.

Do I have to only provide 1 of the above 3 mentioned statement?
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Make sure you submit at least the minimum documents required, this info is usually found at the website or at the application form. anything further will strengthen your application.
Human Nature
post Mar 5 2016, 05:25 PM

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QUOTE(WhitE LighteR @ Mar 5 2016, 04:09 PM)
How many card limit in malaysia a person have? Or there is non? I believe so far it only applies to those earning below 24k have a max 2 card limit right?
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those below 36k can have cards from maximum 2 issuers, not card. for those above, as high as your rating allow biggrin.gif

This post has been edited by Human Nature: Mar 5 2016, 09:01 PM
Human Nature
post Mar 5 2016, 09:00 PM

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QUOTE(fruitie @ Mar 5 2016, 07:42 PM)
Er, 36k per annum and below, guys; for maximum two issuing banks' cards. sweat.gif
Below 24k per annum cannot own even a CC, minimum is 24k per annum.
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Ah..right. my mistake there.

QUOTE(WhitE LighteR @ Mar 5 2016, 08:05 PM)
May I know what rating is that?
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Just the normal credit rating.
Human Nature
post Mar 8 2016, 08:04 PM

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QUOTE(edwardccg @ Mar 8 2016, 08:01 PM)
Plan to check my CCRIS, we could only go to BNM and print it, right?
Any cheap parking suggestion nearby the area?
I am from Klang Valley
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can email to request for it too...however, I emailed last week, still no respond.
Human Nature
post Mar 9 2016, 11:37 AM

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Got my credit report dy. All is clean. Cancelled SCB cards are not there too.
Human Nature
post Mar 9 2016, 11:37 PM

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QUOTE(edwardccg @ Mar 9 2016, 09:24 PM)
So around 5-7 working days by email?
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After i sent a reminder, they emailed the report the next day. so maybe dont wait till 1 week. reminder after few days.

QUOTE(fruitie @ Mar 9 2016, 11:22 PM)
Guys, any credit card I can leverage with booking.com? I have both UOB VOX and CIMB CR which I supposed I will get 5% cash back for online transaction.

How about cards from other banks?

I also have Maybank, HLB, OCBC, AmBank, AEON and Citibank cards. Any promos?

I'll use it with Shopback to get RM 60 but would like to maximize it. laugh.gif
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like what victory said. have to pay to the hotel upon check in.

Human Nature
post Mar 17 2016, 09:56 AM

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Not surprising at all.
Human Nature
post Mar 21 2016, 11:35 PM

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QUOTE(brightjoey @ Mar 21 2016, 11:11 PM)
Hi friends. I have a question.

I have a UOB card registered in 2015(nofees) and recently this year I have been charged the UOB one classic annual fees,asking me to pay RM60+.

My mom told me that I don't have to pay that as if I can request waiver from them if I swiped my card X amount. They have done that for years and did not have to pay annual fees. I asked the UOB customer service and they told me that must pay this annual fee.

Question is do I have to pay or insist that I know that you don't have to pay annual fees since it can be waived.
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Waiver offer depends on various factors, your spending pattern, CS, etc. You may try to call and ask for waiver.

Another option: If you have not used the card since the AF was charged, you can terminate the card without paying the AF
Human Nature
post Mar 23 2016, 09:29 PM

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QUOTE(brightjoey @ Mar 23 2016, 09:21 PM)
I see. I have not used my card since the AF, so can I just tell them through phone that I want to terminate the card, and also will not pay the AF? Can they sue me or black list me from UOB forever?
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Yes, you can terminate without paying the AF if you have not used the card since it is charged. They cannot sue you. Future application is up to their own discretion. I have done so several times with other banks and never have problem when applying a different card.
Human Nature
post Mar 24 2016, 12:45 AM

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QUOTE(gastacopz @ Mar 24 2016, 12:26 AM)
Help please...

I received 2 cards on mid of february.

Activate 1 card only.

So today, just realised that my other cards is not yet activated, and nowhere to be found. I think i misplaced it somewhere inside my house..but cant find it.

Question is,

1 - can the card still be activated later?
2 - can i request for another card from the bank, if yes, any charges?since not yet activate the card
3 - can i ask the bank to send me another card?by saying non receive for the card in the 1st place.
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my advice is get it terminated even though it is not activated yet. if you still want the card, then request for replacement. the website should have info on the charge.
Human Nature
post Apr 4 2016, 09:54 PM

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QUOTE(fruitie @ Apr 4 2016, 06:03 PM)
Nope.
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remind me again...kinda recall someone reported that recently cannot use CC for PTPTN anymore even at the branch, did i recall wrongly?
Human Nature
post Apr 4 2016, 10:02 PM

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QUOTE(shauyan @ Apr 4 2016, 10:00 PM)
hi guys, any recommendation for paying great eastern insurance?
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Human Nature
post Apr 4 2016, 10:14 PM

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QUOTE(fruitie @ Apr 4 2016, 10:07 PM)
Yeah, read it somewhere. hmm.gif
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i will call the branch here to confirm tmr, need to swipe my watami for the something, anything.... doh.gif

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