That's definitely not true. You get a relative privilege compared to those who DON'T pay on time in terms of application.

Not a guarantee of course, and previous posts have talked about possible reasons why still can be rejected. But to say that paying on time is not worth anything in application for credit is just false.

So.... you believe all CC facility are only offered to those who pay on time? And that banks who actually offer this facility to those who don't pay on time are somehow stupid/misguided?

must be nice to be so sure

Mine I reported March 19 (the day the fraud occured), today only got the card.

Maybank sent it out March 23rd. Poslaju didn't attempt to deliver, according to their tracker "no one at home" (during MCO when I have 2 adults and 2 kids at home). Just today only manage to go and pick it up (the center is almost 10km away for me).

Only CC though, I have multiple poslaju online shopping deliveries in that time span.....

I believe from previous (last year?) testing, you will deduct RM100 cashback at the end of this month. To avoid that you need to spend RM2200 at least (to get RM0). Spend RM3200 to get your full RM100.

Not fair (which means you can probably appeal) but that's how the system seems to work. Total spend in May is inclusive any negative spend.

Someone kena before due to VAT refund to CC from overseas travel, but that's a bit diff from reversal. Suspect system calculates same way though.

Yes I forgot about transaction date, that is important as well. However (fortunately for him/her) reversal is normally same transaction date as the original transaction.

So to update, will need to spend 1440 this month to get RM100 cashback. Spend nothing, will get cashback reversal 44.

Maybank's system is capped at RM100, that's all. Must understand this is all computer automated, so its not complicated.

If the toy arrive to your address then ma legit =)

If the question isn't a risky question like "what is your mother's name" or "what is your password" then no harm to answer, as long as they don't continue to ask more and then ask you for OTP etc.....

Just checked, my Barcelona cashback for last month was way below expectation. I received total RM0.53 cashback for the whole month. The two big purchases were an auto-deduction for insurance (1.5k) and a purchase from Shopee (3.6k, not using ShopeePay).

The 1% cashback is supposed to be "1% Cash Back for all purchases (except for government bodies, utilities and e-wallet reloads) all year-long; capped at maximum of RM50 per month."

Which of the exclusions possibly apply to Shopee purchase or insurance auto-deduct?

Still not rectified, 4.30pm liao....

Mine updated, even though didn't call to complain. From 0.53 to RM50 (+49.47)

Never use search function for MBB website. They don't update/delete all pages, and they tend to re-use promo names even.

Most likely it will 'charge back' for your current month at 1%.

Let's say item is RM500 refund to Barcelona. Then Maybank uses simple maths, if your spending for this month is RM2k, your cashback will be RM15 ( (RM2000 - RM500) * 0.01 ).

If your spending for this month is RM0, your cashback will be -RM5. I think this has been reported before.

It is a tax, the name they give it is service charge.

And this is standard across every Malaysian bank and CC for a few years di.

Wrong topic to discuss this. SSPN-i-plus (the one with takaful) should be able to (I don't have that account so I don't know). SSPN-i definitely cannot, not even with debit card.

Secondary (but more important) is that PTPTN/SSPN is government related. So I think any Maybank card cannot.

https://www.maybank2u.com.my/maybank2u/mala...my_epp0721.page

I haven't use this sort of installment plan before, but planning to purchase laptop with it. 0% fee means real 0% right? No hidden charges? Barcelona cashback amount is one shot for the initial amount, not spread out among the 12 months installment?

Thanks. Pulled trigger already, looks like can't cancel Barcelona for 12 months =)

Well what's the point of taking 12 month repayment and then do early settlement?

Cashback - you get the same whether or not you do 12 month EPP. So EPP is only for the delayed repayment (indirectly earn interest on that amount from whatever account you save it in).

Hmm I don't see benefit of Affin BT over Affin COC since both 0%....

Trying to apply EzyPay Plus for 12 month 0% installment but getting error messages on unable to connect. Both for website and MAE app. Anyone experiencing the same?