well, since now u tell us about KK specifically, yeah it'd be tough.

there are other ways to utilize 5% amex cashback ==== pay bills in M2U and charge to Amex card. may not cover all billers, but last time i was paying Unifi/TNB in M2U.

again, gotta wait the full T&Cs. wanna know the "catch".

This post has been edited by cybpsych: Feb 22 2017, 07:12 PM

Nothing special with Plat,any particular benefits that you want to get? Though I have the Plat, I only appreciate the hotline.
Not worth to pledge lo.

Yea. Nothing special with Plat. I still hold M2 Gold cards + Maybank Visa Signature. Lazy to upgrade.

any idea what is the minimum credit limit for platinum?

I think RM 15k.

owh, i see. because usually i'll reduce my credit limit. 15k seems too much for me at the moment. got to choose gold then

Well, you can apply and ask for reduction? I didn't and it further added another RM 10K for me when I got my VS.
Kinda useful during 0% BT.

yup. but better to know the minimum, or else hassle to downgrade or what. i'm kinda paranoid with credit limit. always keeping it to the minimum, so that it will not affect my future loan eligibility.

ha, kind of step by step, hopefully nx or next 2 years can get Maybank 2 Cards Premier~

ntg special

If you want to pledge, might as well pledge for M2Premier now rather than Plat.

to reduce CL is easy, maybank takes 3 working days

yup. i've done that previously, but for certain card level, there's a minimum credit limit.

Can anyone retrieve back the old T&C ?

Then we can compare with coming new T&C

Does it still matter old or new? We are still going to use new T&C.

wao, premier pledge~~what amount are you talking?

Premier is 30k if I can remember correctly. For more discussion, please head over to M2Premier thread.

Mind to elaborate how is credit card CL affecting loan or mortgage eligibility?

your credit limit is considered as 'loan' as well. in short, the higher your credit limit, the lower the amount of loan you can get.

wow, not aware of that. that means if 1 person holds 10 credit cards with say 50K CL for each card, that's equivalent to 500K of loan taken already though he may only use not more than 10% of CL?

This post has been edited by harmonics3: Feb 23 2017, 01:22 PM