About a year ago a CS rep contacted me when they were expanding in Malaysia and subsequently sent me special promo codes from time to time. Gonna reach out to him to check if there are any below the current published 1.79%. Did anyone else get this kind of contact (iirc it was for new users as well as repeat customers)?

Will PM you separately.

Spent quite a bit this morning on necessary spending and later realised its also match day vs Liverpool. Just checked the news and looks like the game is postponed due to some fan protest. Guess I'll only find out what happens when I wake up.

Hope everyone enjoyed their 5x on last epl match this season

I got M which is huge... And I'm female!

Don't give up... slowly apply for small amounts every year once with each salary increase.

My first card was 6k in 2010. Since then I've been religiously applying for CL increase every year.. slowly slowly 5k-10k increases, submitting my applications the moment I get increment and payslip. Very painful process but eventually managed to get a decent CL now.

Functionality rather than pride.

With MBB 0% EPP etc, having a low CL is very restrictive for big ticket items. I park most of my spending here to meet the annual spending requirements, and some of us have supplementary cards as well.

If you've got a RM30k CL, that can't even cover most family holidays beyond Asia in a single trip.

Does anyone recall how MBB's annual fee "free first year" work for existing card members who apply for a new card?

For example, if my expiry (also AF) date for existing cards is in June and I apply for a new card in Oct 2024, is the first year waiver from October 2024 - May 2025, and I gotta hit the spending requirement from June 2025 to May 2026 otherwise fee charged in early June 2026?

Thanks everyone for the helpful confirmation!

Strategically then I should apply for a new card after my existing expiry date (e.g. Existing AF fee charge date is May 2025, so apply new card June 2025) so I get a full first year waiver plus another year to fulfil the spend requirements? Or will this strategy not work?

Don't laugh at my cheap aunty answer: PPF access (currently only have 3 TWE, can't cover entries for all my kids), Mastercard dining. Hahaha. I don't intend to use it to collect miles and engage in the 1st of the month cage fight.

This post has been edited by lilsunflower: Oct 18 2024, 12:44 PM

I decided to just apply now (and waste the 5 "free" months) because I'll definite be cancelling my M2P in May 2025 and I'd rather secure the Master WE before cancelling (so I can get the same credit limit for Maybank, which is pretty high now after years of applying for increases). I don't want to be reset to the low CL they typically offer for new cards.

Always. Esp during BT and ezycash 0%.