a question.
i work in retail and we sell iphone. most of my customer prefer installment instead of 1 shot payment. any reason why?

because i was rejected by citibank credit card. When i tried to apply another card via imoney.com, their rep told me it is difficult to get card approved if i dont have record of repayment. my salary and statement is definitely fulfilled all the requirements, no outstanding debt, no PTPTN loan, i only have car loan that just started 4 months ago and i paid promptly every month. So i really have no idea why i got rejected.

Yeah.
Thanks for the recap.
I deleted the SMS right after I read as I affected my mood! LOL

I got reply as below:

No point to struggle with them.

yes, if using Amex and airline is not part of TP revision http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf

Greeting fellow sifus,

Wanted to ask, whether I can transfer my outstanding from a credit card to any of my 2 cards online or is there even such a thing?

BT got any charges or interest?
I tried online and service is unavailable 

Hi Frutie,

May I ask how did you upgrade your cards?. Did you call CS directly or re-apply the platinum version as a brand new card?

Hi, all sifu here,

i got my platinum card already,

Last time i tried to email them and they didn't follow up

in the end i walk in the midvalley maybank branch, and apply for new plat card

now i having both gold and plat card

how do i transfer the point??

or i just utilize gold card point, and cancel the gold card?

Hey guys, I am flying soon to foreign countries. Do I need to call in if I were to bring my cards out?

stupid mofo question. toll free number behind the card right? or there is a separate number for this?

Yes, at the back of the card. Toll free 1800 for plat mbb2

The 60k lor. Fyi, i reduced my CL to 10k so I think, even if there is, the min CL is low

CL is RM 15k if I'm not mistaken.

House mortgage? car loan?
is this your first credit card application?

For me this is my 2nd card perhaps bank need to see some kind of credit activity...i only apply for gold card because i only want the amex card . 

My card arrived yesterday but too bad im not at home to open it need to wait for 2 more weeks before i come back. M2U so easy can straight away change pin no & activate card. Since I applied for the card i always peeped out on any shop if they can accept amex. Not much over here in sarawak though  candidly asked if i pay dinner at a hotel using amex they said it will include extra 4%...is tat true?

quick question: 5% is retail spending (swipping the card for food, grocery etc etc), but not for online right?

ya I'm talking about the AMEX card. So say i buy something off Lazada on saturday, I'll get 5% off?

The extra charge is not transparent.

When you swipe in foreign currency, it'll incur certain forex rate + admin fee (by the bank).
The forex rate is governed by Visa International/Mastercard International/AMEX International.

Merchant usually won't charge extra.

was wondering is it worth to do ezypay plus? so its 6.9% + 3.88% on top let's say RM1k = its RM1k+6.9%+3.88% = divided by tenure either is 6 months or 12 months correct?