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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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TSHuman Nature
post Jan 28 2021, 01:19 PM

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Good to know. But not taking chances. Will cancel mine after the CB is credited and then request to transfer out during the cancellation call.
TSHuman Nature
post Jan 29 2021, 09:22 PM

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I usually don't bother to check as I didnt chase Maybank promo, just swipe as usual. But got curious enough to log in, and saw the RM50!

Checking back the campaign period, it was during the 10% FCB month so that month usually max spending. Last hurrah before cutting in 4 days time.

This post has been edited by Human Nature: Jan 29 2021, 09:25 PM
TSHuman Nature
post Feb 2 2021, 10:00 AM

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QUOTE(ChiaW3n @ Feb 2 2021, 09:24 AM)
Quick update: I called up to the customer service earlier, and was told I got some penny cashback from my cancelled FCB card so they are helping to transfer it to my Amex card.
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Any idea how long it takes for the transfer to complete?
TSHuman Nature
post Feb 2 2021, 10:24 AM

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QUOTE(ChiaW3n @ Feb 2 2021, 10:14 AM)
I was told to wait for a few days, but I am fine with that as long as they are helping to transfer
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I just did the call for my FCB. Was told it takes about 8 working days, which is quite long considering it is to my MBB CASA. And I will have to call again to cancel the card after the transfer is done.
TSHuman Nature
post Feb 2 2021, 10:33 AM

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QUOTE(ChiaW3n @ Feb 2 2021, 10:28 AM)
When is your SST due? I got no choice but to cancel my card first because the SST kick in this month. I can see my Amex card got charged.
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In April. I have some amount inside due to BT leftover. So decided not to wait any longer.
TSHuman Nature
post Feb 2 2021, 01:54 PM

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QUOTE(ChiaW3n @ Feb 2 2021, 01:31 PM)
If early settlement BT got penalty?
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The BT is for BT to Affin, so as long as MBB get the payment they ate happy 😃. I didn’t check the T&C for the Affin BT about this though.
TSHuman Nature
post Feb 2 2021, 04:01 PM

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QUOTE(ChiaW3n @ Feb 2 2021, 02:02 PM)
Oh means you pay off maybank ady? Then no problem ady.
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Yeah, as below. But I hope they transfer the money to CASA faster. Wanna use the money for something tongue.gif

QUOTE(GrumpyNooby @ Feb 2 2021, 02:03 PM)
He's using BT from Affin to pay off Maybank outstanding by transferring Maybank outstanding into 12-month 0% BT plan by Affin.
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TSHuman Nature
post Feb 3 2021, 01:01 PM

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QUOTE(ChiaW3n @ Feb 2 2021, 10:14 AM)
I was told to wait for a few days, but I am fine with that as long as they are helping to transfer
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Eh, do update here when your transfer is done. I will update mine too.
TSHuman Nature
post Feb 4 2021, 11:02 PM

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QUOTE(ChiaW3n @ Feb 3 2021, 05:40 PM)
Okay! Keep you posted! But I can see the SST redemption for my Amex card already reflected
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The money is already in my savings account. Check yours.
TSHuman Nature
post Feb 5 2021, 11:24 AM

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FCB is finally cancelled. Done and dusted.
TSHuman Nature
post Feb 5 2021, 11:41 AM

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QUOTE(ClarenceT @ Feb 5 2021, 11:29 AM)
Discharge your duty as TS?
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No!!!!! tongue.gif tongue.gif bruce.gif My Aeon thread is still going strong too lol


TSHuman Nature
post Feb 5 2021, 11:52 AM

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QUOTE(cybpsych @ Feb 5 2021, 11:42 AM)
no point if no one willing to take up new TS role  laugh.gif

Human Nature do trigger Staff Hye if you want to retire  thumbup.gif
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Might be card-less for not too long only brows.gif
TSHuman Nature
post Feb 5 2021, 07:12 PM

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QUOTE(ChiaW3n @ Feb 5 2021, 07:01 PM)
Chinese we called this 王者回歸. Who knows if maybank will launch another better card leh, the credit card game either go strong or go home, it’s the trend now. Whoever can offer the better deal we go for which bank
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Agree with you. Now just left the cherry debit card in my stable.
TSHuman Nature
post Feb 9 2021, 09:25 AM

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QUOTE(ChiaW3n @ Feb 9 2021, 08:37 AM)
Hi, I just see the credit transferred from my FCB to my Amex2. Which included the 50 bucks I won from the campaign.
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Nice. At least MBB is accommodating.
TSHuman Nature
post Feb 17 2021, 11:21 AM

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QUOTE(#Victor @ Feb 17 2021, 11:13 AM)
just terminated FCB, there is one last installment when cancel. since the account is closed and cannot access to view the transaction, do we still need to pay? if yes to we still able to make transfer to cancelled card?
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Of course need to pay laugh.gif laugh.gif I am just surprised why CS didn't mention about the installment when you call to cancel. Mine did inform me to clear off everything.
TSHuman Nature
post Feb 17 2021, 02:10 PM

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QUOTE(ChiaW3n @ Feb 17 2021, 01:56 PM)
Wah keep for so long? I have one already beh tahan ady, but just in case got more contests which I enrolled earlier but the result not out yet ?
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I have 2 with account closed. I should have just leave the MBB2 cards there, become 4. Baru nice biggrin.gif
TSHuman Nature
post Mar 2 2021, 01:23 PM

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QUOTE(cybpsych @ Mar 2 2021, 01:09 PM)
MBB CS called me back.

their "subject matter expert" confirmed that SST can be reversed (after card termination) if NO RETAIL TRANSACTIONS performed after SST is charged.
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Yes, this is the correct method. There is a SST guideline file shared somewhere previously. Unable to locate it now.

add: found it
http://www.customs.gov.my/en/Documents/Pan...arge%20Card.pdf

This post has been edited by Human Nature: Mar 2 2021, 01:25 PM
TSHuman Nature
post Mar 2 2021, 04:13 PM

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QUOTE(zAlyN @ Mar 2 2021, 03:49 PM)
I see. My usual expense around 1k only when using CC mainly on petrol and groceries thats why I thought maybe if use FC Barcelona no need wait till Friday anymore but not sure worth 1% or not. Okay noted thank you so much probably stick with Ikhwan for awhile.
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Ikhwan is well suited for your expenditure.

For RM15 cashback on Ikhwan, meaning you spend about RM300 per month. If you change to FCB, you would only get RM3 monthly. Multiply this with 12 months, you get RM36 cashback per year. Minus RM25 SST, you are left with just RM11.

Depending on the petrol type that you use, there may be better valued ways to earn cashback if you cannot wait to pump on Fridays.
TSHuman Nature
post Mar 3 2021, 11:01 AM

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A clear indication that the bank is taking note of the cancellation wave. Next time, continue to state ‘no benefit’ as reason for cancellation.

Enjoy the campaign guys!
TSHuman Nature
post Mar 6 2021, 04:06 PM

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QUOTE(kevyeoh @ Mar 6 2021, 03:42 PM)
On the other hand... if you have insurance premium to pay... FC Barcelona can use... this one can easily offset the SST yearly and any additional spending via FC Barca card still get 1% cashback...
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Depends on the amount too, to see if it is worth it or not. For insurance auto-debit, better use Affin Duo Visa.

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