Wonder if should apply the Barcelona card now or wait a bit till ringgitplus got a promo for it. My insurance is paid annually (August month, yay!) so no rush, the misc. 2% is good but getting some lazada voucher or cash rebate for applying would be more worth it I think.

Good point! Thanks sis

My CL didn't change, still at 10k for my M2Kard. Another 10k for my Ikhwan Mastercard though so maybe that explains it.

Oh so my 3000-XXXX is first 'batch' of 1000 cards? Wah.

There is a 'track this topic' button on every thread at the top right hand corner for a reason....

Wonder why my GE plan got price difference whether I pay monthly or annually. Currently paying annually, but if there's no difference I'd rather pay monthly....

Actually if you want to set maximum spending you should set 5k or something like that, as you don't (have to) pay your bill exactly on statement date, and can continue to build up interest-free spending for the next 20 days....

Assume your statement date is 1st of the month. So 1st December you have a statement saying "pay RM2500 to Maybank". You can pay immediately or (like most kiasu people) pay 20 days later at 0 interest.

If your CL is 2500, you can no longer use your card until you make payment, even though the new spending on 1st December onwards will earn you 2% (new month).

Of course, if 20 days of interest-free cash doesn't sound good to you, then maybe 2.5k CL is enough....

Agreed for all your examples. Especially BT, the higher the better.

Although for emergency use I would prefer to use different card, because the amount can be quite large and I'd rather BT to spread the emergency use spending out rather than get some amount of CB/points but have to pay back in a month or so.

Of course for those of us who are ALSO holding PBB/AEON.... different case =)

In any case I've found MBB to be quite stingy in CL. I'm at <2x monthly salary currently (holding M2Kards, Ikhwan, and Barcelona).

The topic was CL, hence why it was said that 2.5k CL is 'enough'. Which it isn't, if you're the sort to max every month.

Fail di, don't bother apply again before 6 months unless something has changed drastically.

And income requirement is not the main factor, CCRIS and bank-specific risk criteria are more important (and not transparent to us). One very common 'reason' is PTPTN and its repayments.

If before 6 months, should be an appeal letter/email rather than just reapply, that one I would say is sure fail.

I got my PBB Visa Sig by appeal after initial reject, for e.g.

Smart consumers use benefits when they're available. When it changes go for something else.

Do you have a supp?

Better you apply 2k per card, then call MBB and ask them credit excess to your savings account.

Also you could apply full amount to one card and call MBB and ask them to credit excess to your other cards.

There is a 'jalan'. Some people offer service where you pay them and they settle your loan payment for you. Shopee has a few.

This is a risk you take though.

But I got VS even though just below qualified limit (on appeal). I have a banking account with them for 3 years at that point, but just one savings account with no money (salary account, every month straight transfer out leave RM200 there).

And my wife got Quantum Master/Visa without any prior banking relationship...

I think sometimes depends your luck who process it.

Rather than installment, better to pay full amount then immediately balance transfer 0% to some other bank.

Better you go to the balance transfer thread and ask. But basically if you spend one big-shot item (let's say RM4k for laptop) then after your statement date balance transfer (let's say 6-month to PBB or AEON) then it's as if you have 6 month installment on the item (and all other spending for that statement).

From MBB perspective you still get all your points/cashback as per usual.

Call CS to complain, should not reverse. Unlike other cards this one got no FCFS or similar provision that could result in no CB.