Maybank is the most stingy and strict in credit limit, all my other banks got triple my Maybank credit limit. Each time I request, they entertained me by increasing 5k

Haha banks sometimes crazy one, my colleague made her first credit card application, salary way above requirement, rejected. Reason given was that her salary is too high lol. I also don't know what nonsense reason is that

Because my colleague damn angry and kept seeking for answers, maybe the bank simply give an answer la.
But it's true I do know quite a few high income people, good credit rating, minimum debts etc got rejected, but that's minority, I'm sure you'll get it

This sounds so familiar during Totenham match lol....you can never tell

Yes super hard to monitor as I've huge transactions too, and me too caught them so many times they didn't award me correctly

Will not last long

Cost to Maybank > BP merchant fee, and Maybank do care. Question now is how much MBB is subsidising this game, when volume gets big enough and BP does nothing then yes, MBB will take action

No need restaurant, in fact quite surprisingly quite many small stalls/ shops which only accept cash but also accept Fave

Yes I was invited but super sad last minute can't make it

You can't be serious if this is true I can't sleep for 1 week

Very true, 2:1 to me more on no of transactions and smaller value ones. If have big ticket items normally can sign Amex.

My transactions probably 2:1 too, but when comes to value, Amex will be 75%

Oh you spend so much on insurance, Amex usually flight tickets, hotel, groceries, e-wallet, some shopping, overseas spending total up quite substantial

Mentioned no of transactions because normally more places reject Amex, so it always give us the feeling can spend too little with it but if value actually comprise much higher

This post has been edited by msa9696: Mar 27 2019, 11:31 AM

I do think Maybank cs is good, at least when we compare to Malaysian standard, if want to compare to other countries like Japan etc, then of course we're still far from perfect. Out of 10 customer service experience from different industry/companies, at least 7-8 are terrible.

Anyway, I encountered once, only once, when I called the cs wished me happy belated birthday, that's at least something from Maybank, or I would say from this staff who took the effort to wish

Their follow up has also been good, ie when they say they check something and will call back, they have never failed to follow up

This post has been edited by msa9696: May 4 2019, 12:23 AM

Sickening and shameful seeing the way they play, everyone should be sacked and hope someone else buy over MU....

Declared income doesn't mean anything, those undeclared ones will be shocking.
They know that many out there, be it legal or illegal, have lots of cash etc, so insisting on declared income is not wise anymore.
As long as you can spend, who cares, if you can't spend, then just pay the annual fee. Either way, they still make money.
Also, lowering the income increase user base

Very logical thinking, many failed to understand the real value of miles.

There might be two different answer to the same question, maybe can do an experiment.
If you ask these 2 questions independently, might have 2 different answers. I've tried this before asking a friend.

a) If economy class cost RM 2k and business class cost RM 3k, will you fly business [No]

b) If business class cost RM 10k, but you can buy miles at 4k only, will you buy the miles at 60% discount? [YES]

Could be true, I managed to use Amex before, and also failed before. Can't remember which merchant.

Think no more, my friend mentioned 30% now. So it's no more attractive, Westin dim sum already can get the same price from Fave

I haven't verified myself but my friend went, only 30%.
Previously many shared here that there's lots of confusion and different info given by Maybank and the hotel too.
So I still unsure until I really check it out myself

Not quite sure never really check on dining, Maybank overall shall still be fine, maybe can have a look at Citi Prestige etc.
Last time Std Chart buy 1 free 1 really good but now almost close shop already haha, from daily with so many merchants now left like nothing much

All these fintechs, e-wallet, cross border remittance are challenging traditional banks.

Just wondering, imagine Maybank improve their MAE, and say allow CC top up into their own app which award points. It will be interesting to see, how many Maybank customers they can retain, and how many they can acquire from other e-wallets and banks

This post has been edited by msa9696: Jun 18 2019, 02:45 PM