Not all banks allow FD though. Anyway, nothing very interesting with this card though I have it. High AF.

No more.

That's why I will only have it for first year since it's free AF for first year. I will not use FD to apply.

Nobody likes AF but if the card is worth paying, I may consider paying.

No. FD is to secure the card, not to waive AF.

I was at Batu Pahat during Christmas weekend to attend my friend's wedding. Since we had nothing to do, so just lurked around Pacific Hypermarket & Departmental Store in BP Mall. Saw some nice shirts in departmental store that suit my dad, simply paid with my VS since it doesn't accept AmEx. Turned out to be groceries because I received cash back. Lucky.

This post has been edited by fruitie: Jan 2 2017, 12:36 PM

If you get VS, your CL will be RM 20k at least. Mine was RM 25k upgraded by them automatically when I applied my VS, so that is another good reason to upgrade card.

Upgrade card not only adding card. From lower range to higher range. Yes, it will, at least for Maybank so far I heard and my own experience.

This post has been edited by fruitie: Jan 13 2017, 04:29 PM

I see, then I was lucky to have a few Ks increased though I didn't ask for it. They don't increase also never mind since not important for me.

I don't think they'll approve now. Too close to cancellation date.
Probably can try 3-6 months later.

Probably a bit slow this month, I also haven't seen my cash back for this month.
Will check again tomorrow.

This month or last month?

If maximize this month, you can only see in next month's cash back.

Replied you the Recommendation thread. No waiver for this card. That's why many have cancelled after a year of usage.
I will cancel mine too when the time comes.

If you don't spend after they charge, should be still OK.

Then request for CL increase after you get your card.
I was a bit lucky that they gave me extra 10k when I got my VS.

CL or application got rejected?

Really hard to justify other purchases (non-cash back categories) on this card..

I used my VS today at one of the local supermarkets in Port Dickson. When the cashier took my card, I told her to use PayWave which she did and it was done so swiftly. Another cash back will be pocketed.

I like the convenience of PayWave, whenever I'm in front of the cashier, if possible I will use PayWave.

I will still need to safeguard my cards though, max can be swiped via PayWave is only RM 250 right?

When it was first out, I was kinda worried but after using it for few times on my VS and MACH, it is useful and convenient.

RM 250 is still worth the risk.

I think all Pin & Pay terminals come with it. So now should be OK.

Yes, already confirmed earlier.

Er. This is MBB VS not PBB VS thread.

Calendar month. Maybank all based on calendar month.