How nice if they were the MU 15-20 years back, close eyes also can win.
Anyway, everyone has their choices, some find it not worth it to game this, they might have better options etc.
Very much depends on individual and what they try to get out of it

Without BP, there are many other ways to meet the requirement without personal spending. Anyway, some might think not worth the hassle etc. All depends on individual.

Company spending, buy and sell at same value or sightly discounted value, etc. Read up more on manufactured spending. I can only reveal this much.

Don't worry they have been renewing every year

It can take from 1 day to probably 1 week

Cool down, they're always late to update. Every year they extend, if want to be sure, give Maybank or the hotel a call. I'm quite sure it's still available.

Damn seems true

Room discount worth it? I've never looked at it so far, I always book hotels through different channels. Restaurant is really not bad, Westin dim sum buffet is good and very reasonable after discount

With this game growing and spreading, especially here at LYN, will not be surprised it might not last that long. Easiest for Maybank to do is just exclude "all types of top up transactions". I'm not familiar with MCC code etc, so I can't comment how they do it, but I believe they might be looking at ways.

Their cost is not cheap. Let's assume the most ideal scenario, every month you get 5x with 10k top up. This itself will cost Maybank up to RM 350. So 12 months x RM 350 = RM 4,200 per user. I can't reveal how I get the calculation, but this is the fact. But my example is extreme example of course. I'm just saying, while it doesn't look a lot, but when user database grows, their cost grow as well

Agree, but people can still apply, after 1 year cancel, etc.
Not being selfish here, sometimes things spreading too fast might not be a good thing.

I once found a loophole from Maybank, can make much more from this current game. So being nice, shared with my close friend, thought why not, I can't make all the money right, good things are meant to be shared.

Who knows, the feller very big mouth, shared with relatives, family members, colleagues, neighbours, as he felt so proud that he has such insider knowledge and everyone praised him. Eventually that news really viral, and so many people playing it. Maybank stepped in, game over. Until today I regretted sharing it.

This post has been edited by msa9696: Jan 16 2019, 01:50 PM

Haha I'll never do it anymore. Else I can play for many more months.

Lol, it's far from reality

Well it's up to individuals to believe or not to believe what I just said, there are certain things I can't reveal.

And no, I'm not implying high income individuals are a loss centre. Every customer has different profitability depending on their contribution to banks (ie late pmt interest), they're spending behaviour (ie 5x points, or 90% Amex), their usage behaviour (how they use their points, ie cash back, redemption etc). We can't generalise that.

What I'm saying was, if there's one small segment, which started to grow, and this small segment are mostly causing losses to banks, and of course when the figure adds up, bank will find ways to minimise this. After all, banks would want to retain high profitability customers.

Of course they don't have to sacrifice everyone by removing the entire benefit, my earlier suggestion was the possiblity of removing the extra points for top up transactions, just like in Petrol peviously (though they brought it back with cap), government transactions etc. These are loss making transactions, so rather than removing entire benefit, they don't award points for these.

Will they do it? I don't know, I'm not the top management of Maybank. But I do have lots of info which obviously I can't reveal here.

This post has been edited by msa9696: Jan 16 2019, 05:46 PM

Sorry I can't be specific here, I can only say, there are glitches in the sytem which allow you to earn points without actual spending. When more and more people do it, then they found out through one of their audit when certain samples were selected.

They wanted to claw back my points, but I've already spent them. So eventually managed to settle without them taking any further actions.

This post has been edited by msa9696: Jan 18 2019, 10:13 AM

A lot, think better stop here already, don't want to get into trouble with the bank anymore later kena blacklist haha

Hard to track for me, you all track every day ah? I'm using for many other transactions so really hard to track the movement.

Still believe they're quite manual in awarding the TP, I just hope if 1 person got it everyone else will get it too. I normally will do reconciliation once every few months comparing with statement, but sure have variance la

You might not want to wait any further, as the points you earn will worth more than your fees, just my opinion though

Everything spot on. Sooner or later terms will change.
We can share but be a little discreet. News spread fast guys.

TAC sms time different from top up time. The TAC last for few minutes so you cannot prove it.

The top up day has been discussed countless time, please do a search first