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Credit Cards AmBank Credit Card V2, Free for life card, PPL access with T&C

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fruitie
post Aug 30 2016, 11:37 AM

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QUOTE(lipfung @ Aug 30 2016, 11:20 AM)
Is there any limit that a person cannot have too many cards from different bank?
I only know that for those earning below RM36000 cannot have more than 2 cards, but for those earning more than that, is there a limit ?

Recently applied for AMbank platinum, for its PPL access, but was told that they wouldn't submit my application as they check from BNM, I've got too many CC on hand.
*
No limit so long banks approve.
fruitie
post Aug 30 2016, 12:30 PM

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QUOTE(fuzzy @ Aug 30 2016, 12:11 PM)
bro fruitie  tongue.gif  is only partially correct.

It is not BNM ruling, it is your potential exposure to credit that is the issue. By holding too many credit cards, your potential exposure to holding too big of a debt to service is there, thus they do not want to take that risk.
*
Well, like I said it goes back to banks. Banks have their own way of evaluation. BNM has no rule for those having more than 36k per annum.
fruitie
post Aug 30 2016, 12:33 PM

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QUOTE(lipfung @ Aug 30 2016, 12:31 PM)
Is not the credit limit or any debt issue, is the officer issue. He doesn't even want to submit my application. All that he say is I'm holding too many credit cards, so he doesn't want to submit.
If my application is submitted for processing, then rejected, credit limit issue or debt issue, I'll accept it, because I seriously did have a lot of credit cards and approval is based on bank's decision, the thing here is that d*mn bank officer doesn't want to submit it.
I've called AMbank previously, they say that the only way to submit application is via bank branch not email or fax. No choice.

*I do not have any debt issue, I've never late on my credit card payment.
*
Get the officer name and make a complaint against him. I will do it if I were you.
fruitie
post Aug 30 2016, 12:41 PM

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QUOTE(lipfung @ Aug 30 2016, 12:36 PM)
Already shoot email to BNM and bnmtelelink@bnm.gov.my and amcard-csd@ambankgroup.com for clarification.
Only got the officer by the name of Mr Txx
*
Don't care, quote as much details as possible.
fruitie
post Sep 1 2016, 12:34 AM

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Saw AmBank booth at 1U today. In front of Waffle World.
fruitie
post Sep 1 2016, 09:05 PM

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Is the booklet only for WMC and VI users?
fruitie
post Sep 2 2016, 01:44 PM

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QUOTE(nxtpg @ Sep 2 2016, 01:07 PM)
Statement date 28/month. I still have not received my aug statement via email. How do we accessvthe pdf statement online? Cant seem to locate it.
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My accounts > View Balances & Transactions > Select statement period > e-Statement

I haven't been using my card for the past 9 months and it only displays last 6 months' statement, so I can't validate if it is a PDF copy. You may try.
fruitie
post Sep 2 2016, 01:58 PM

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QUOTE(nxtpg @ Sep 2 2016, 01:47 PM)
This statement is totally different from the pdf statement they normally email which shows all cards n transactions.  The online one is separate for each card... Unlike other bank cc, u can download the exact statement online
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OK, I got what you meant after I checked my email. biggrin.gif
fruitie
post Sep 2 2016, 07:14 PM

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QUOTE(pisang @ Sep 2 2016, 05:30 PM)
just a quick question.
what's the difference btw AMBANK WMC and VI?
i checked the website and did not notice any difference.
*
No difference, it is just MasterCard and Visa.
fruitie
post Sep 2 2016, 07:35 PM

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QUOTE(ckweng @ Sep 2 2016, 07:33 PM)
I think it has been reported that WMC's forex transaction rates are usually more favourable than VI's  smile.gif
*
But in term of AmBank's benefits, it should be the same. hmm.gif
fruitie
post Sep 2 2016, 10:45 PM

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QUOTE(sj0217 @ Sep 2 2016, 08:04 PM)
Applies two AmBank Platinum cards (Visa & MasterCard) at 1U shopping mall.

Was told that each of the card will be gain for x2 times of PPL entry, total here for 4 times.

No any free gift on the spot, but will be send after card has approved such as Luggage bag, car recorder, digital watch etc depend on your preference
*
Saw them on Merdeka day. When I passed by, one of the guys looked at me and my friend but he went to my friend. laugh.gif Then he asked me if I'm already 21 years old. sweat.gif I noticed this problem, every time I pass by any CC booth, very unlikely they will stop me and hardsell to me. tongue.gif I always tell my friends, probably I look poor. laugh.gif Then they said, I look too young. I take that as compliment. tongue.gif

QUOTE(pisang @ Sep 2 2016, 10:05 PM)
yep, benefit wise it's the same.

but for required income for the card application, it's a bit different.
In the application form:- VI is RM150K, WMC is RM100K
in the website: VI is RM120K, WMC is RM120K
*
Follow website if I were you. biggrin.gif
fruitie
post Sep 3 2016, 05:37 PM

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QUOTE(ic no 851025071234 @ Sep 3 2016, 01:47 PM)
Hey guys! How long before you get your pin after activate?

I already activate last 2 week and didn't get pin yet. I in China time can't use cos don't have the pin.

Without pin I can't access the ambank online. I still can get statement by email right?
*
Just tell them without PIN and can sign. Do it all the time when I travel to China. Not an issue at all. There's a problem that small cities may not accept overseas cards. I have no issue using all the time in Beijing and Shanghai. However, I had issues with Chengdu, Chongqing and Yunnan because they don't accept overseas cards at all.
fruitie
post Sep 3 2016, 09:31 PM

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QUOTE(ic no 851025071234 @ Sep 3 2016, 07:17 PM)
The hotel girl don't accept say need pin. Then how do I pay the card without access to ambank online?
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I will insist, just press no PIN. In fact, not all China cards come with PIN. Users can choose not to have PIN. :)Some of my colleagues chose one or two cards of theirs without PIN for convenience. smile.gif

QUOTE(ic no 851025071234 @ Sep 3 2016, 07:29 PM)
Anyway to view current cc bills? I have used the card near end of the month and current statement by email didn't reflect the amount. I need use statement for company claims.
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You will need AmOnline. I got them to do for me without any pass code sent to me. Just called AmBank CS and they are quite helpful.
fruitie
post Sep 14 2016, 11:27 AM

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QUOTE(loneboy62 @ Sep 14 2016, 11:24 AM)
actually how to apply Ambank card?
*
Walk in to the nearest branch and apply from there.
fruitie
post Sep 14 2016, 02:59 PM

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QUOTE(loneboy62 @ Sep 14 2016, 02:53 PM)
I couldnt find any nearby. Will try to see whether can apply online
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Luckily near my office there is one.
I don't think can apply via online, probably can try to send via email.
They are still using stone age technology.
fruitie
post Sep 16 2016, 02:11 AM

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I guess the booklet is not extended to Plat cards... I didn't get anything. sad.gif
fruitie
post Sep 16 2016, 12:20 PM

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QUOTE(kenlui @ Sep 16 2016, 10:25 AM)
I have not received anything either, so I think not platinum users only
*
Good to know this. biggrin.gif Gives me a bit of hope. laugh.gif
fruitie
post Sep 19 2016, 10:47 PM

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QUOTE(truelife @ Jul 17 2016, 03:29 PM)
Question: Is it really complimentary for AmBank World Mastercard holders?
"Complimentary Hilton Premium Club Membership Card that offers:

Dining:

    Up to 50% dining discounts at all participating Hilton Hotels in Malaysia, Thailand & China.
    Up to 20% dining discounts at all participating Hilton Hotels in the Middle East.

Accomodation Benefits:

    10% off Best Available Room Rates at all participating Hilton hotels in Asia.
    20% off Best Available Room Rates at all participating Hilton hotels in the Middle East.

Note: The above privilege is extended free to Cardmembers with a minimum spend of RM30,000 over a period of one (1) year from the date of successful membership enrolment."
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QUOTE(minthiam @ Jul 17 2016, 04:17 PM)
Yes, it is really complimentary if you could spend RM30k with this credit card from the date of successful enrollment overr a period of one (1) year.  Additionally, take note that there'll be no loophole to avoid the membership fee of RM599 as per stated on their #3 and #5 in their T&C

#3. In the event the Cardmember does not meet the aforementioned requirement, the Cardmember hereby
agrees and expressly consents for the Bank to charge a membership fee of RM599 to the Cardmember’s Card account.
#5. In the event of the cancellation/termination of the Card or the Hilton membership card before the minimum
spending requirement of RM 30,000 is met, the Cardmember hereby agrees for the Bank to charge a membership
fee of RM599 into the Cardmember’s Card account immediately succeeding the cancellation/termination

Refer to http://www.ambank.com.my/ambank/Documents/HiltonFormTc.pdf for the its T&C.
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QUOTE(GOLILA @ Sep 19 2016, 06:05 PM)
the ambank free hilton primier membershipm same like normally membership?hv free complimentary room?
*
You may refer above for Hilton Premium Club Membership.
fruitie
post Sep 23 2016, 09:28 PM

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QUOTE(sms2u @ Sep 23 2016, 08:24 PM)
if the first year annual year is waived. bank will no charge u if u only use the card for 6 months,

most of the bank will allow u no to pay the annual fee charged to your card when u cancel the card with condition no tx after annual fee charged.
*
Er.. AmBank cards have no AF...

QUOTE(clyk2323 @ Sep 23 2016, 09:20 PM)
Sorry, actually I'm referring to the complimentary Hilton membership card. Is it that the bank will charge ambank WMC holders for the membership fee  even for 1st year if we cancel the card within 6 months?
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Yes. Refer to https://forum.lowyat.net/index.php?showtopi...post&p=81766013, I have shared earlier by quoting one forummer's post.

#5. In the event of the cancellation/termination of the Card or the Hilton membership card before the minimum
spending requirement of RM 30,000 is met, the Cardmember hereby agrees for the Bank to charge a membership
fee of RM599 into the Cardmember’s Card account immediately succeeding the cancellation/termination

This post has been edited by fruitie: Sep 23 2016, 09:28 PM
fruitie
post Sep 23 2016, 10:35 PM

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QUOTE(clyk2323 @ Sep 23 2016, 10:05 PM)
Fruitie, Thanks for the clarification.
Just found out that one needs to enrol for the Hilton membership then only the T&C will be in force. 
The membership is not auto given / enrolled upon credit card approval.
Which means we can still apply for WMC without being bound by the Hilton membership fulfillment or charges if did not enrol for it.
*
Yes, you will need to enrol for it. Not everyone wants it, so cannot force everyone to have it. biggrin.gif

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