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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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SUSDavid83
post Dec 19 2018, 12:12 PM

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QUOTE(#Victor @ Dec 19 2018, 11:59 AM)
Past 5 years don't need supporting document when open CASA, opened different banks just required IC, no additional documents needed.
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If your NRIC address is near or same state to the branch you intended open the CASA, that should be fine.

We're talking about inter-state where like my case whereby NRIC address is at hometown address and working address is at another state.

This post has been edited by David83: Dec 19 2018, 12:14 PM
SUSDavid83
post Dec 19 2018, 01:28 PM

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QUOTE(#Victor @ Dec 19 2018, 12:22 PM)
But address in IC is different state with the branch, did not request for additional documents at all when opening CASA past 5 years whereby still not employed during that time hmm.gif
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I have no idea but I was just sharing my experience when I opened CASA at MBB as paycheck account.
SUSDavid83
post Jan 10 2019, 02:21 PM

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QUOTE(AhBoy~~ @ Jan 10 2019, 02:13 PM)
Anyone here use Visa Signature (Not the FCB) with Samsung Pay, will the transaction post accordingly to the terminal (Grocery, petrol, etc..) or "some mobile payment"?
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Samsung Pay won't alter the MCC.
It is similar as you use PayWave.
Hence, original MCC is retained.
SUSDavid83
post Jan 10 2019, 04:04 PM

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QUOTE(AhBoy~~ @ Jan 10 2019, 04:01 PM)
cool  thumbsup.gif  will try to use it then  smile.gif  notworthy.gif

interestingly both VS and FCB have the same "virtual card" design when added into app  dry.gif
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Somebody has already mentioned that in the SPay thread.
SUSDavid83
post Jan 17 2019, 03:23 PM

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QUOTE(Grevade @ Jan 17 2019, 03:22 PM)
Hi, can i walk in register at one utama outlet for barcelona card without the BE form as requested from their website?

https://www.maybank2u.com.my/maybank2u/mala..._signature.page?
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Bring EPF statement.
SUSDavid83
post Feb 12 2019, 04:18 PM

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QUOTE(naruko85 @ Feb 12 2019, 04:16 PM)
Hi, want to ask that you guys apply online or go branch? Because last Friday I go branch apply, but failed, should I apply again online?
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Online has a higher rejection rate.
SUSDavid83
post Feb 14 2019, 03:35 PM

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QUOTE(noinoinoi @ Feb 14 2019, 03:32 PM)
First-time credit card applicant here.

I applied for both Maybankard 2 and Visa Signature yesterday, both got approved and now I am seeing 3 cards (2 Maybankard and VS) in Maybank2U with statuses "Account is not authorised".

Questions:
1. Is the credit limit I'll be getting split across 3 cards?
2. Comparatively, which one should I keep? Planning to use the card for groceries, petrol, electrical appliance monthly installment (no points for VS?) and monthly bills (consider as FPX so no points for VS?)
3. If I were to cancel one, can I cancel without activating it or I need to contact Maybank?
4. If canceled, will there be penalty or charges that need to be paid?

Thanks!
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1. Combined shared limit for the 3
2. Cancel the M2Kard Visa if possible but some said that it is no longer possible if new cards applied after 01/09/2018
3. Please call CS for card cancellation/termination
4. No but make sure SST can be reversed
SUSDavid83
post Feb 14 2019, 04:30 PM

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QUOTE(#Victor @ Feb 14 2019, 04:28 PM)
I haven set PIN and never use the physical card before. Most of the time using it with Samsung Pay for physical swipe.
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Without setting PIN can use for Wave/SPay? blink.gif
SUSDavid83
post Feb 16 2019, 09:04 PM

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QUOTE(xander @ Feb 16 2019, 08:55 PM)
using this card on the 2nd year.

i was charged the annual fee and just found out to get waiver on the annual fee is rm 30k.

i miss by rm1000. put in an appeal already

other then that any bro got any good excuse or method to "force" them to give the annual fee waiver?
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MBB isn't intimidated by threatening to cancel the card.
SUSDavid83
post Feb 17 2019, 10:25 AM

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QUOTE(xander @ Feb 17 2019, 10:24 AM)
yeah, tried that method with 2 different call agent.

unlike the rest (HSBC, CIMB)
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They don't care because the cardholder base is large.
And they know they have some sort of best card in the town.
SUSDavid83
post Feb 17 2019, 01:02 PM

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Since when statement date is important to MBB cash back awarding system?
SUSDavid83
post Feb 21 2019, 11:43 AM

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QUOTE(maxlim776d @ Feb 21 2019, 11:36 AM)
hi there, i would like to ask something and hope here i can get the answer
there is a ezypay plus where you can get to convert my purchase into installment

my question is if i do ezyplus , do i get the cashback for my card

i am holding this fcb barcelona cards.......which have 2% cashback for every purchase

and another things is 15,000 credit limit consider high or low........

if i apply another bank cards.....do you think i will get approve

the reason is i want to build up my credit history and get more credit limit
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Before convert, you already earned the cash back.
After converting, you won't get any cash back from the monthly repayment.

user posted image

Details on EzyPay+: https://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by David83: Feb 21 2019, 11:58 AM
SUSDavid83
post Feb 21 2019, 11:59 AM

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QUOTE(cybpsych @ Feb 21 2019, 11:56 AM)
ezypay plus has a certain fee
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0.75%monthly interest
No fee I believe as not mentioned in the T&C

URL: https://www.maybank2u.com.my/WebBank/EzyPayPlus_TnC.pdf
SUSDavid83
post Feb 21 2019, 02:55 PM

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QUOTE(maxlim776d @ Feb 21 2019, 02:53 PM)
or you have any idea how to be good in credit history
for my understanding, if you use up your credit limit and put all into installment and you can service the installment very promptly and no late payment then bank will offer you higher credit limit or more cards because they like this customer

unless they like customer that just pay 10% of the statement balance and inccur lots of intrest
which one that they think they like to increase the credit limit
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High credit limit utilization will degrade your credit score even though you make prompt repayment.

This post has been edited by David83: Feb 21 2019, 02:55 PM
SUSDavid83
post Feb 21 2019, 03:07 PM

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QUOTE(maxlim776d @ Feb 21 2019, 03:05 PM)
so what you mean is high utilization and high settlement will grant you good credit history
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Low credit limit utilization + prompt repayment by due date > High credit limit utilization + prompt repayment by due date > High credit limit utilization + bad repayment by due date
SUSDavid83
post Feb 21 2019, 03:39 PM

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DSR is definitely one of the criteria when it comes to credit application evaluation.
They can compute that based on income number you and interview by asking monthly commitment.

High credit limit utilization on existing credit instruments also can lead to high DSR.

SUSDavid83
post Feb 22 2019, 07:29 PM

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QUOTE(gedebe @ Feb 22 2019, 07:27 PM)
i want to know whether 99 speedmart is consider as grocery which we can get rebate for MBB VS and wher to find the list of grocery?
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MBB tracks using MCC.

MCC 5411 is Grocery Stores

There's a thread for this but it is not complete:
https://forum.lowyat.net/topic/3711577

Compiled based on forumers input.

This post has been edited by David83: Feb 22 2019, 07:30 PM
SUSDavid83
post Mar 2 2019, 07:27 PM

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QUOTE(cts0418 @ Mar 2 2019, 07:26 PM)
Hi guys, it is illegal to use the visa Barcelona to topup boost and withdraw back the money just to get the cash back?
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There's no such thing of illegal till proven or charged so.
SUSDavid83
post Mar 4 2019, 05:07 PM

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QUOTE(ymtee988 @ Mar 4 2019, 04:23 PM)
Does it mean if I purchase a watches worth RM6000 with 6 months Eazy Pay installment, I won't get any cash back (RM1000 x 2% = RM20) for next 6 months?
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Only the full amount on the 1at month will get cash back.
Subsequent monthly instalment won't entitle for cash back.
SUSDavid83
post Mar 4 2019, 05:46 PM

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QUOTE(tadashi987 @ Mar 4 2019, 05:45 PM)
I dont think so, hahaha
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If he's holding Platinum level, then YES.
If he's holding Gold level, very likely no but providing latest EPF statement should be sufficient to justify any change in income (if there's).

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