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Credit Cards Maybankard 2 Gold & Platinum Cards V17, 5% with M2 Amex on ALL WEEKEND spend

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starry-starry
post Mar 18 2017, 11:52 PM

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QUOTE(cclim2011 @ Mar 18 2017, 08:25 AM)
Just pick a weekend, say first weekend. Doesn't matter if the payment gets to this or next statement. At most you miss a month. Anyway this will save you may be rm1 more only.
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I just paid my TM bill but I've got this silly question. Let's say my total monthly bill is RM106 including GST (before RM2 auto-billng rebate). The minimum payment to entitle the rebate is RM20. So how much should I pay using my AMEX?

I made the payment of RM84 (using RM106 inc GST - RM20 - RM2 rebate = RM84).

Am I doing it correctly? Or should I just pay RM86? Sorry, may sound like a dumb question. Hope you'd help me out. Thanks!!!


starry-starry
post Mar 19 2017, 10:42 PM

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QUOTE(cclim2011 @ Mar 19 2017, 12:48 AM)
Erm am not too sure... I think that should be correct. But your rm2 will only be reflected on next bill if current bill have autodebit for at least 20.

I have been paying 149*1.06gst-2-20~=135.80 per month for my unifi 149 package.
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okie dokie, I will monitor and see how things go for my upcoming bill. 5% CB is guaranteed, hope I managed to get the RM2 rebate too!
starry-starry
post Mar 20 2017, 12:11 AM

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Everybody received CB for Oct 2016? I read it earlier some have already received but I haven't got mine yet. Anybody else?

Another silly question, there was no 5% CB from Jan - mid of March 2017 then?
starry-starry
post Mar 20 2017, 12:27 AM

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QUOTE(fruitie @ Mar 20 2017, 12:20 AM)
Yes, nothing unless you spent for dining during weekends.
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bangwall.gif Made several big amount of air tickets, accommodation & car insurance transactions in Jan & Feb 17!

Anyways, not entitle anyways...

Was running through my statement and realized there was a weekend transaction on 09 Oct whereby the CB is yet to reflected in my statement. Wondering if I'd just wait or call to inquire...
starry-starry
post Mar 20 2017, 01:33 PM

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QUOTE(lilsunflower @ Mar 20 2017, 03:28 AM)
I didn't receive for October and I made 2 transactions on 1 and 2 October for 650+ and 800+ respectively, with 2 different merchants. Statement shows transaction dates on 1 and 2 October.

Has everyone else got October CB?
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I haven't got mine yet as well for Oct '16 CB

starry-starry
post Mar 20 2017, 02:05 PM

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QUOTE(fruitie @ Mar 20 2017, 12:39 AM)
Make sure it was paid with AmEx.
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Yes, AMEX smile.gif
starry-starry
post Mar 20 2017, 09:06 PM

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QUOTE(labtec @ Mar 20 2017, 08:07 AM)
I just realize the security code for amex is the 4 digit in front the card, not the 3 digit at the back of the card...
no wonder my previous attempt to use it online fail
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That was exactly what I did when I first used my AMEX for online transaction. Then only realized CVV is the no at front of the card sweat.gif


starry-starry
post Mar 20 2017, 10:37 PM

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QUOTE(alexwsk @ Mar 20 2017, 07:40 PM)
yes, october cashback already credited, i've call cs to confirm that
I did not get it as well even though spent RM500 on 1 oct, and that particular cs said cannot dispute  cry.gif
there's one post mentioned he managed to dispute it, you try to call and see whether can dispute, but must do it before 31 mac according to tnc
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WHAT? 1 Oct also didn't get? That's absurd!!! Mine was during the 2nd weekend but I haven't gotten mine neither.

Have you called? I also read that someone claimed to receive Oct'16 CB while some said not yet. shakehead.gif
starry-starry
post Mar 20 2017, 10:42 PM

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QUOTE(jiaen0509 @ Mar 20 2017, 09:20 PM)
Think to cancel Unifi auto billing to earn 5% on weekend. Anyone cancel it?
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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.
starry-starry
post Mar 20 2017, 10:57 PM

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QUOTE(cybpsych @ Mar 20 2017, 10:50 PM)
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!  laugh.gif 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  laugh.gif the formula is tweaked so that i always pay on previous Sun, if possible. if bill date falls on Sun, then the Saturday before.

user posted image
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).
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wow! This is impressive! Guess I'd do one for mine as well!

Mine not yet billing date, I simply paid first minus out RM20 + RM2 rebate.

Since you've been paying this, can I just clarify what is the amount I'd pay using my AMEX for a total bill of RM106 inclusive GST?

I just paid RM84 (RM106 inclusive GST - RM20 min payment - RM2 rebate). Is this correct? Just ain't sure if I'd pay RM86 or RM84 using AMEX - to include or exclude RM2 rebate.
starry-starry
post Mar 22 2017, 01:02 PM

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QUOTE(rapple @ Mar 22 2017, 12:48 PM)
Bro, use the Lazada birthday code can get 20% off but not sure on the terms.

Code: 5BDAYXYLA

I use it on to purchase some stuff from Nestle store and another account to buy shower gel. thumbup.gif

And you have the choice to use different card smile.gif
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Thanks for sharing the code! Wanna grab some items from Lazada too! But I remember Lazada doesn't accept AMEX right?

Thought of getting shower gels too but the seller only scored rating 2.5 or 3 - worry the product quality ie replace bath gel with something else or add water into the shower gel.. Or just me worry too much? 😅 anyways, out of topic lol
starry-starry
post Mar 22 2017, 05:48 PM

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QUOTE(janson_kaniaz @ Mar 22 2017, 01:29 PM)
it says expired lol
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WHAT?! Already expired? I don't even get the chance to try! Lol
starry-starry
post Mar 26 2017, 11:36 PM

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QUOTE(deity01 @ Mar 24 2017, 04:08 PM)
lol thumbup.gif
starry-starry
post Mar 28 2017, 08:48 AM

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QUOTE(lilsunflower @ Mar 20 2017, 03:28 AM)
I didn't receive for October and I made 2 transactions on 1 and 2 October for 650+ and 800+ respectively, with 2 different merchants. Statement shows transaction dates on 1 and 2 October.

Has everyone else got October CB?
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I disputed for my Oct spending and just got a reply that CB will be credited to me next week.

starry-starry
post Mar 28 2017, 08:51 AM

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QUOTE(jiaen0509 @ Mar 21 2017, 12:23 AM)
How my bill date is 13 every month? Now the outstanding show on my occ account. If now I paid the amount minus RM20+. Will TM charge me bill amount 189.74 or outstanding 20+? amount? I worry later I pay RM169.74 and auto pay charge again 189.74
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I tested this for the first month and still got my RM2 rebate with autopayment of RM20 only. Basically you just have to pay total bill (including GST - RM20 - RM2) with your AMEX.
starry-starry
post Mar 28 2017, 10:24 AM

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QUOTE(celaw @ Mar 28 2017, 09:43 AM)
don't need to ask. Just straight give AMEX card to swipe. If rejected, then only give another card to swipe.
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Haha right! I do that too, just present my AMEX but sometimes the cashiers are smart enough to take a look at the card and tell directly 'sorry, don't accept AMEX'. I guess worse is those shops which I often visit have stopped accepting AMEX for payment.
starry-starry
post Apr 3 2017, 04:15 PM

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QUOTE(alexjaya @ Apr 2 2017, 11:42 PM)
Yes I have that problem with lazada after thy replaced my card to the PIN type. Still no solution.
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Lazada does not accept AMEX for payment right? Only Master & Visa if I recall correctly.
starry-starry
post Apr 8 2017, 08:52 PM

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QUOTE(chubbyqq @ Apr 6 2017, 04:56 PM)
FYI, this is what Maybank FB reply me when I ask about bringing credit cards to foreign countries.

Kindly be informed that there is no activation needed for credit card retail overseas transaction. For credit card usage via the overseas online website or overseas, there will be additional charge 2.25% (VISA and Mastercard) on top of the purchase while for AMEX card will be 2.5% on top of the purchase amount.

Generally, there will be a PIN usage of credit card and it is subject to the country and merchant acceptance, as an example for Australia and some European Countries, you may be required to key in your Credit card PIN number. However, there are several countries are still not using the PIN & Pay method. Thank you.
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The additional charge on top of purchase for using credit card overseas is the same for ALL credit cards from different bank?

I never used credit card overseas, is it worth paying with credit card? Won't it be more costly compared to paying in cash? Or somehow can offset with the points?!
starry-starry
post Apr 9 2017, 10:55 PM

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QUOTE(zstan @ Apr 9 2017, 10:38 PM)
i used my cc in korea a few times. no additional charges. only the currency exchange rate slightly higher. worth paying for expensive items if you are short on cash. but i bought bingsu using CC also la just for the lolz.
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I see, that's what I wonder too - usually bring along CC in case short of cash but never used it before as I know usually the exchange rate is higher but somehow wonder with 5x points does it somehow make it worth better since I have no idea how to make comparison between both... sweat.gif

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