Like McD's, no signature and PIN required even slot in AmEx.

i dont find any good reason to upgrade to platinum, and yet u want platinum even though not qualify ? 
but i understand hv platinum card mybe boost ur confidence abit to show off. 

Top up your credit using CDM or interbank from other banks. Cannot use M2U as it won't allow to pay excess payment.

Yes. Provided you don't have existing outstanding amount and that RM 9k is untouched.

anyway to change phone number for my supplementary card?

all the TAC and usage notification sms sent to principle

Visa usually gives you a much better rate and the rate changes everyday for CC

Sure higher la boss..Bank rates always higher, some more they will charge you another 1-2.5% overseas swipe fees on top of the rate.. so you will only see the final rate which is around 4.5

I think for mbb, amex charge extra 2.5%, visa is 2%..You should call bank for exact percentage

True, some of the shops I frequently visit have stopped accepting AMEX!!!!

That was my initial plan... but if you read posts (I think just few pages before this), there's actually a better way to enjoy 5% CB while still enjoy RM2 rebate for auto billing.

If you refer to TM website, minimum payment is RM20 and you will enjoy RM2 rebate for auto-billing. Pay the balance using your AMEX.

3 ways:

1) maintain autobilling ----- on weekends before bill date, pay outstanding [minus] rm20+, leave balance just about rm20+. this way, when autobill run, it will pay balance rm20+ and grant you rm2 autobill rebate for next bill.

how to know your current outstanding before bill date:

a) if many usages (e.g. call charges or VAS), can check in Unifi OCC ~1 week prior to bill date. you will see the current outstanding, then roughly you'd know the amount to pay in advance. why 1 week? at least you got yourself a spare weekend to pay the unifi bill!  always check the calendar...

below is a simulation i did for my Unifi. an average of 3-4 days whereby the previous weekend falls before bill date on the 7th  the formula is tweaked so that i always pay on previous Sun, if possible. if bill date falls on Sun, then the Saturday before.


b) if you hardly use anything else with unifi, you sure know the fixed bill amount every month.

2) maintain autobilling ----- do nothing. hit-or-miss for weekend transaction. easy to maintain but no gain!

3) cancel autobilling ----- manually pay all outstanding on weekend. you have about 2-3 weekends before payment due date (21 days after bill date).

It's RM 189.75, later TM bars your line due to one cent.
I pay every month using OCC UniFi and it's always showing RM 189.75.

I can save my RM 2 elsewhere, don't want to crack my head and do a tracking from my end. I'm not a fan of direct debit thingy. So yeah, maybe it's just me. I will pay manually every month using YOLO for 6% and once AF is here then cancel and switch to AmEx.

how come u got 2 bill date? 13th and 19th?

for your bill date 13th, it's already too late. you MUST manually pay before the bill date on 13th.

meaning, if you are expecting RM189.xx for 13 Apr bill, then manually pay RM169 on 8 Apr (Sat) or 9 Apr (Sun) using Amex. once the payment is cleared in TM account, the bill on 13 Apr will have outstanding of RM20.xx. a few more days, the autobill will kick-in to pay the bill outstanding of RM20.xx. then you would be granted RM2 autopay rebate for next month's bill on 13 May.

fyi, RM2 autopay rebate will be granted if oustanding is minimum RM20, the autpay will pay the full outstanding amount (e.g. RM20.01 or RM20.02, etc)

http://www.theedgemarkets.com/my/article/m...nts-service-may

Assuming can use AMEX with Alipay, mean indirectly more place can accept the AMEX