LATEST UPDATE: PIN and PAY will come into effect on 1 July 2017

Proceed from v18: http://forum.lowyat.net/topic/2997826

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

A. Some latest shortened cc thread links to refer easily: contributed by victorywp & alexwsk
AEON v4 http://lowy.at/aeon4
AEON Big v1 http://lowy.at/aeonbig1
Alliance v1 http://lowy.at/abm1
AM Bank v2 http://lowy.at/amm2
AmEx v3 http://lowy.at/amex3
CIMB v6 http://lowy.at/cimb6
Citibank v4 http://lowy.at/citi4
HLB Fortune v1 http://lowy.at/hlbf1
HLB Wise v8 http://lowy.at/hlb8
HSBC v2 http://lowy.at/hsbc2
MBB2Cards v18 http://lowy.at/mbb18
MBB2Cards Premier v2 http://lowy.at/mbbp2
MBB Visa Signature v2 http://lowy.at/mbbvs2
MBB Islamic V3 http://lowy.at/mbbi3
OCBC v5 http://lowy.at/ocbc5
PBB v1 http://lowy.at/pbb
PBBWM v1 http://lowy.at/pbbwm1
RHB v1 http://lowy.at/rhb1
StanChart v4 http://lowy.at/scb4
UOB v8 http://lowy.at/uob8
others:
Balance Transfer v4 http://lowy.at/bt4
Debit Card v3 http://lowy.at/dc3
TnG v1 http://lowy.at/tngv1
Reload TnG v3 http://lowy.at/tng3
Loyalty cards v1 http://lowy.at/loyal1

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required


4. Credit Card linked to Petrol
- OCBC Titanium MasterCard; all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum; all petrol stations = 5% cash back
- UOB; BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank; SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic; PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic; PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA; ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money; all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz; all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: http://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1; 13.5% p.a.
Tier 2; 16% p.a.
Tier 3; 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal + 5% advance cash withdrawal fees
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here
Sample calculator from AKPK

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM200k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - http://forum.lowyat.net/topic/1724607

8. International Transactions - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees


11. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :


12. Balance Transfer - http://forum.lowyat.net/topic/3354596

13. RM50 Government Service Tax - NO LONGER IN FORCE from 01/04/2015

14. Airport Lounge Access - https://forum.lowyat.net/topic/4018832

15. Previous versions


16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CCRIS report via email - http://creditbureau.bnm.gov.my/reportobtain.html
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx

17. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
Introduction to Credit cards 2016 by Gen-X
My Credit Cards - by Gen-X
Free financial tuition by Gen-X
The Best Top 10 Credit Card - Ultimate Showdown 2014 by Gen-X


20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - 3 years (effective from 1st August 2013)
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - Pending reward system update
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years
12) EON Bank - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) Maybank Visa Infinite - Min Income Requirement : RM 240k
6) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
7) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
8) RHB Visa Infinite - Strictly by Invitation Only
9) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
10) HONG LEONG Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) World MasterCard = Maybank WMC (assuming AF is waiveable)
7) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/4161836

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) All EON Bank credit cards
7) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/3231432

25. Reload Touch n Go using credit cards - http://forum.lowyat.net/topic/3304889

26. Measures on Credit Cards by Bank Negara - http://forum.lowyat.net/topic/1796957

27. Beware of cross border charges by HLB, CIMB and SCB - http://forum.lowyat.net/topic/2519936
Sample case: Apple Store Malaysia by rickkywong using HLB credit card; wshoh using CIMB

Confirmed no cross border charges: Ambank (by rickkywong)

This post has been edited by alexwsk: Apr 16 2017, 07:35 PM

FAQ

1. Can I apply new credit cards using existing credit card which is more than one year?
NO

2. Can I apply new credit cards by pledging Fixed Deposit?
Depends on individual banks, some will accept and some will not

3. How does credit card works?

Courtesy of iMoney.my

4. How to request your credit report?
http://creditbureau.bnm.gov.my/reportobtain.html

5. Links by Gen-X, for your reading pleasure
The Best Credit Card for FREE Entry to Airport Lounge 2013
Introduction to Credit cards 2016
Free financial tuition
The Best Top 10 Credit Card - Ultimate Showdown 2014

6. All information regarding Pin and Pay - click here


7. How does the interest free 20 days period work?
8. Need recommendation on which credit card to apply? Ask here - http://forum.lowyat.net/topic/4161836

9. How does Easy Payment Plan (EPP) work?
https://ringgitplus.com/en/blog/Credit-Card...-Explained.html

This post has been edited by alexwsk: Apr 3 2017, 09:38 PM

Courtesy of Gen-X:

Introduction to credit cards by Gen-X 2016

I just published my article titled Credit Card Effective Cash Back Rate. In this article I compared the Maximum Effective Cash Back Rate you can earn with the Maybankard 2 AMEX versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa. Plus also if you are thinking of getting the CIMB Cash Rebate Platinum credit card to earn 5% cash back from online transactions, you won't want to miss this article.
In order to optimize the returns from our credit cards usage, we have to use the right card at the right place and time. There are so many credit cards out there, and if you are clueless, check out my articles below and maybe you can earn yourself some pocket money.

New 2013 Credit Cards - credit card review of the CIMB Cash Rebate Back Platinum, Citibank Prestige MasterCard World Elite, Citibank PremierMiles AMEX, Hong Leong Bank Wise Cash Back, RHB Visa Signature and versus the Standard Chartered Bank WorldMiles MasterCard.

If you are new to credit cards, Click here to my Credit Card Tutorial Page. After finishing this FREE tuition, you'll be an expert on credit cards and you might end up collecting cards like me (click here to see my card collection) to optimize our returns

Hotel Online Room Booking with Credit Cards - some of our credit cards offer discount when we use them to book hotel online via 3rd party sites. But is the discount really good? This article will show you that you need to always compare the prices at check out and not at the front page.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Maybank 2 Cards Premier(American Express Reserve and Visa Infinite Combo) - Comprehensive Review

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?

For your own good, you must click here to read my article on Credit Card Fraudulent Charges and SMS Alert AND click here to Suspicious Telephone Calls on CC matters Thread.

To read my review of the Maybankard 2 Cards, click here. The Maybankard 2 AMEX rewards you UNLIMITED 5X Treats Points everyday PLUS 5% cash back on Saturdays and Sundays. You can get this MBB 2 Card within 2 hours if you go apply at Maybankard Centre at 1U (New Wing), Gardens (near Robinsons) and KLCC (Lower Ground). Please note not Maybank branch. And the most complete guide to Maybankard 2 Cards is right here in LYN - click here to Maybankard 2 Cards Thread and read page#1.

And if you want to convert your credit card's reward points to Enrich Miles, click here to read my article My Son Is Going to The USA Again on Business Class. With credit cards offering 5X points, we can earn Enrich Miles faster. But more importantly, what is the conversion rate of our reward points to Enrich Miles. And in this article I will show you for local usage it is the Maybankard 2 Cards Gold and Platinum and for overseas MBB Visa Infinite rate is one of the best in town.

Click here to me article titled The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns for increments of RM500 spending a month.

And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

And to see my list of The Best Top 10 Credit Card in Malaysia 2015 - click here to my Credit Cards Ultimate Showdown 2015

This post has been edited by alexwsk: Jan 6 2016, 10:44 PM

awesome

Anyone here has more information on the OCBC Premier Voyage MasterCard ? Or anybody here has this card already ? Appreciate your input on its features and all.

Gen-X did a mini review

http://generationsxyz.blogspot.my/2015/10/...cards-in_8.html

and a little here

What awesome?

Guys, don't spam at the first page of every single thread la.

Just wish to check with you guys anyone have information about cashlite/cashtreat/cash on call rate from each bank?

What I had know:

cimb cashlite 3.99-4.99%; 75% of available credit limit; no processing fee, no lock-in period, no early settlement fee/penalty, interest waived if settle early.

mbb cashtreat 8.88%; 90% of available credit limit; 1 time processing fee (Rm100), no lock-in period, no early settlement fee/penalty, interest waived if settle early.

I heard UOB give as low as 2.99/3.99% as well??

would like to apply for maybank credit card. any banker in this forum?

is Mach by Hong Leong good for as a starter card?

Apply online

ehh just want to enquire.

2 months payslip/bank statement and epf good enough to apply any cc?

it depends... some banks just need an epf statement to proceed.

okay.
cause just now called rhb cs, they said 2 months is enough.
just wondering though since you guys know about this more than I do.

application unsuccessful but never mention the reason

How did you apply?

Hi all, This Maybank agent called me up and helped me to register for Maybank credit card.

In my Maybank2U account, it shows 2 cards. I have not received any card yet.
1) Maybankard 2 Visa Gold
2) Maybankard 2 Amex Gold

This means i will get 2 cards instead of 1? Or how?

Sifu please help

Seems like you have applied Maybankard 2 (Dual cards). If so, yes, you will receive 2 cards instead of one.

Try ringgitplus

What is the best /most rebate for petrol card rebate currently?

Monthly petrol usage around rm800 to 1k

Hong Leong Wise Card. Should not be issue for you to have at least 10 x RM50 transaction.

First year annual fee waived, make sure apply gold for lower annual fees amount

Annual fee can waive for following months?

Only first year is free. Subsequent year AF is a must

No, i think the annual fees about RM300 plus, for more detail head to that thread.

but it is 10% rebate, minus annual fees will be about 8.X%

Opt for the Standard Wise card (non platinum) so that AF is lower.

Today I bought some gold jewelry and paid using credit card.

The shop charged me 2% for card fee and the fee attracts GST too.

I'm wondering if the so called card should attract GST or not?

I'm not complaining or what but overall deal is still cheaper than if I buy it from Tomei/Wah Chan/Poh Kong franchise.

New to cc. Plan to apply for one. Any recommendations? For petrol (SHELL) and online purchases.

Yes, GST should also be charged on the entire total inclusive of any fees.

But the 2% charge fee should be bear by the merchant and hence with the GST itself.

UOB CC.Try browse around on that CC. Has petrol and online purchase rebates.

I asked the same questions before. No one could give a clear answer in this forum. I remember subsequently someone mentioned VISA card shouldn't have charge us 2% while master cards are allowed by their term.
I bought jewellery and being charged 2% few times at different shops before. What to do....

Same like paying Indah Water bill through POSonline, charge two GST, one for the bill, another for card fee

https://forum.lowyat.net/index.php?showtopi...post&p=76661674
read here

I agree with you that the credit card fee should be included in the sales price to you but since it wasn't, GST covers the entire amount of goods and services charged to you unless there are any zero-rated or exempt items in the invoice.

Try this link:

http://www.affinbank.com.my/General/Whats-...ol--Touch-.aspx

Go HLB WISE card!

HSBC Visa Platinum not good? Just got it a few days ago.

I always go to shopping malls so means will swipe there for makan etc..

https://www.hsbc.com.my/1/2//personal-banki...#_visa_platinum

Faster to earn RM50 vouchers also if compare with Maybank2Card:
https://www.hsbc.com.my/1/PA_ES_Content_Mgm...ards/index.html

15k for RM50 voucher, compare to Maybank is 23k for RM50 voucher. And it's Visa so means much more easily accepted compare to 5x points Amex Maybank card:
https://www.maybank2u.com.my/WebBank/TPoint...ption300415.pdf (page 18)

This post has been edited by Davidtcf: Dec 23 2015, 09:36 AM

Seems to me you are drawn by the 8x reward points offered by the card.

When I looked at the T&C, the 5x/8x reward program will end in 31Dec15 (8 days from now??).

Refer to the reply I posted from Visa / Mastercard.

Human Nature already enclosed the link.

Please do not hesitate to contact your merchant bank and make a fuss.

And GST is on the total amount of sales, so you will be slapped with 6% GST on top of your 2% Card charges.

No single card to cover both.

No salary bracket as well?

1. MBB Ikhwan ( Friday~Saturday 5% Petrol + Groceries) OR
2. UOB One ( Petrol weekend 5% + 2% $mart at BHP ) OR

For Online :-

1. CIMB CR ( RM 30 online CB / 2% petrol on daily basis ) OR
2. UOB Vox ( 5% online / 1 swipe per month / utilities applicable )

If salary above 100k :-

1. MBB Visa Signature ( Daily groceries and petrol 5% )

+

2. PBB Visa Signature ( Online 5% )

For more info, go to respective thread and take a peek.

It's not SHOULD but it's MUST not charge.

BNM already stated, no minimum purchase and no fee should be imposed to customers.

I have repeated encourage people to stop such practice by listing the outlet and making official paper trail complaints to BNM / Banks / VISA or MASTER or AMEX to encourage them to ban such behaviors as well.

Side note : I shopped at Tiffany, never once I've been asked to cough up any surcharges

Pick your merchant wisely, if you don't want to get slapped with surcharges.

Any other CC have same function as OCBC Platinum? Which is the auto IPP where purchases over a certain amount will automatically be split into 3-6 months depending on amount.

Tiffany or other famous jewellery shop has no issue. Issue is with those smaller jewellery shops who sell at cheaper price. They will charge extra 2% service charge if pay by cc.

Sometimes, I hesitate to go smaller shops because of the hassle.

Paying more may be less stressful and annoying to me.

But back to the topic on hand, whether big or small, they still not within their rights to simply charge you extra 2%.

2% of 10,000 is a lot.

I made an online transactions. I think the website is insecure and they already have all my details, means they might make transaction again to my card anytime in future. I called to the bank and was told the only way is get a replacement card and being charge RM 50. Need help.

Ok, there are two options. Get a replacement card and pay RM 50 for peace of mind. Or wait until there is an unauthorized trnx taken place then dispute the charges.

i not sure if this is a frequently asked question , but what is the requirement to apply a credit card? what should i prepare?

just started working for like one and a half month

You can refer page 1 for more detail or short summary as below:

- RM24k per annual minimum requirement
- 3 months payslips / EPF

you can apply from Kiosk / bank / roadshow in shopping mall

Hi all, any suggestion for card that can provide cash back on insurance premium payment? particularly for AIA premium payment.

something like, AIAFAM-BSN Visa Platinum Business Credit Card

recalled this used to be 2% rebate or 12 months interest rate free for insurance payment.

aeon watami but refer to its spending requirement

Thanks Nature, but didn't see any related to AIA insurance.
https://www.aeonmalaysia.com.my/acs/web.do?...ard#page=page-1

Not specific to AIA but you do get 3% cashback (subject to the spending req)

Not specific to AIA but you do get 3% cashback (subject to the spending req)

Thanks Nature, got it. RM3K per quarter.

anyone know the address of icbc? i need to post to them my documents application for their cc

i do notice that card salary requirement usually is quoted as per annum

but let say I am applying a card need annual income RM120k
but my salary is just 9k per month , but i got a 3 months bonus

can apply with pay slip and top up with EA form ?

May try, no harm. More income docs the better.

Why don't you try to send via email? http://www.icbc.com.cn/ICBC/%e5%b9%bf%e5%9...6%92%ad_690_300

I just noticed it is giving free 2 years AF + RM 50 gift voucher if apply before 31st Jan, I think I can apply one as well.

Edit: I just submitted mine through its online banking since I already have an existing account. Easy peasy. Too bad I don't have 100k p.a. yet, so cannot apply for its Plat to enjoy PPL. I applied for ICBC UnionPay Dual Currency Credit Card Gold Card.

Let's see if my application will be approved. My first Union Pay credit card.

This post has been edited by fruitie: Jan 1 2016, 02:56 AM

wow good card.. i will apply too.. too bad i dont have their internet banking facilities yet.. guess have to post to nearest branch

Your nightmare will begin when you have their Internet banking, truly a painful experience.

To All: Happy New Year 2016!!!

If you have yet to check out my new blog, click here to visit www.GenXGenYGenZ.com which is FREE of random ads, haha.

So far only republished a few credit card reviews:

OCBC Premier Voyage MasterCard - which is good for Bragging Right only.

CIMB Enrich (Elte too) World MasterCard - which is pretty good if you don't mind paying annual fee and spend within the stipulated yearly cap.

Maybank 2 Platinum/Gold Cards - still FREE FOR LIFE

Maybank Islamic MasterCard Ikhwan Platinum/Gold - 5% Cash Back at ALL petrol station every Friday and Saturdays and now including Supp Cards.

I will be restarting my Credit Cards Tutorial for 2016.

If you have a RHB Credit Cards, best you go check out the latest T&C. Their Visa Infinite is now FREE FOR LIFE and comes with UNLIMITED access to PPL BUT there is a monthly quota of 1000. They also have a new World MasterCard which I cannot comprehend their cash back monthly cap which they claim gives you 6%. I will be doing a review on the RHB cards by the end of this month.

And of course, the card everyone should have is my creation Maybank 3 Cards GTR - AMEX, Visa PLUS MasterCard FREE FOR LIFE. Hahaha.


Sure you can Bro, even your EPF Statements can proof your annual income since bonus will also be taken into consideration.

This post has been edited by Gen-X: Jan 1 2016, 01:06 PM

apply cc from riggitplus is safe?
will they trying to sell pur user info?

they provide gift which is not from bank but their own

Instant Transfer still FOC ?

I thought IBFT will be free of charge until 31 Dec 2015 only, no ??


Attached thumbnail(s)

Maybank already shows chargeable of RM 0.53. Not sure about other banks. According to the announcement was until 31st Dec only.

That is from CIMB that I screen shot....

Hope it will continue until 31 December 2016...

Yeah, can see that screenshot is from CIMB.
Good for you as my main bank is still Maybank, all my favourite accounts were saved there.

if not mistaken it's until somewhere in jan'16. it's written there you can see.

intrepidity85, just checked online for my ICBC credit card status. Already got rejected.
Then asked me to contact the nearest branch or CS, so lazy, forget about it. Luckily I already have their Union Pay debit card. So, still OK.

Edit: Didn't want to give up, called their main branch and luckily found a good credit card officer. She helped me to check and apparently there is something wrong with their online system.

She just asked me to fill in and will arrange someone in ICBC branch to collect the documents from me this Friday since I told her I can go on Friday.

This post has been edited by fruitie: Jan 4 2016, 05:21 PM

I see.. i post to my nearest branch via poslaju.. i paid only RM6 something for poslaju fees included parcel i bought from them

so this morning reach the branch and on the way for processing..

let's see how...

wish us both good luck

Yeah. Just wanna make use of free 2 years AF.

Interestingly, I found out today that credit card can be used to pay PTPTN loan.

Which card bro

apparently all visa/mc:
http://www.ptptn.gov.my/web/guest/bayaran-balik/kaedah

Pembayaran menggunakan kad kredit (Visa dan Mastercard sahaja), kad debit atau kad ATM bank-bank tempatan yang mempunyai logo MEPS di semua kaunter PTPTN di seluruh negara.

Hopefuly got cashback also..but not sure which card to use lol

have to be very careful because some cards exclude gov bodies

Sifu, any cc offer cash back for example swipe rm1000 cash back rm200 for first time. Still got this kind of offer??

Ambank

anyone hold hong leong essential card? 2nd year annual fee can be waive?

Hi thanks a lot for your reply , can't find any info in their website. Where to find ya?

HI, it is there at the website under credit card promotion. else you may find it as the ambank thread, have to check few pages back.

but the english version didnt say can use credit card..
http://www.ptptn.gov.my/web/english/repayment-channels

anyone tried paying ptptn using credit card b4? I am really interested to pay ptptn using credit card..

A good read for new card users by bro Gen-X
http://genxgenygenz.com/2016/01/05/introdu...by-genx-cc-101/

can replace the old link at page 1

Received a call from UOB to offer me cash advance RM16k, 5.99% flat rate for 3 years, early full payment will get deduct the remaining interest. Is it a good deal? Any bank offer better than this?

1 question

Can i pay my car/house loan with my Credit Card?

better don't.

It's like you are paying loan using loan.
too risky.

The answer is no.

You can pay your entire car's price using Credit Card but you can't pay your car or housing loan with credit card....

Because HSBC got rebate 1-8% depend on monthly total amount cc

Already ask HSBC direct transfer to PBB loan but they say cant unless the other side back direct deduct on my HSBC credit card.

and went to PBB counter they seem like very blurr and answer "NO" with no Confident.. like takut kena complain..

that why im here to get sifu advice...

You can't pay a loan with another credit. As simple as this.
So far only PTPTN loan allows credit cards, I guess it wants youngsters to go bankrupt much earlier.