I just cancelled my Visa Signature - not manage to use 30K last year and got charged for RM 550 annual fees. The nice thing is if there's no usage after the annual fees charges - the annual fees can be reversed. Now left only the FCB

Yes because annual fee is to be paid upfront.

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?

looks like it. no upfront charges mentioned. good deal

Yes to all questions.

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

Why not?
No penalty for early settlement!
For my case (RM11000), my savings is >RM25.

This post has been edited by ClarenceT: Jul 22 2021, 11:02 AM

Still okay la, no AF... the CB would pay back the SST. Good BT deal

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).

that is what exactly i did

took 2-3 ezypay for FCB

then since FCB's SST gonna charged soon, i did early-settlement for all ezypays. then BT to Affin as advance payment (into FCB) since Affin BT dont need statement.


mbb ezpay settlement was really painful to do (could be isolated case). took 2 statement cycles for the balance to appear in the card account.... somehow the system has some logic to follow.

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

BT 12m vs COC 6m

yes, no difference, just save 1 step to do transfer

since my intention was to clear my FCB outstanding (from ezypay early-settlement) anyway

I really don't understand how you gain from this. Can you explain this in more detail? I am considering applying for Affin Duo and apply for some MBB 0% instalment plan to help with cash flow for the coming few months.

nothing to gain

my FCB VS got sst and no way to offset it, so I did early settlement of all active ezypay. then cancel the card.

to continue with the "installments", I did BT to affin card instead.

Just won 50 cashback for May

What a surprise

OMG I GOT THE RM50 cash back. what a beautiful surprise!

Yeahhh me too for April, but why have this surprise cashback?

This?

Maybank Visa, Mastercard and American Express Online Acquisition Cash Back Campaign: New To Bank Principal Card

Didn't expect to get it.. since the total payout value is quite low.. thank you to those who cancelled their cards for ikan bilis like me to get it