Have you checked out post #2? Provided if you have existing Maybank conventional cards.

I have received my card. Less than 5 hours after applying. Was told to reactivate tomorrow.

May i know how easy is it to get approval for credit limit increase?

Applied may bank master ikhwan via maybank2u, give visa signature. worth to keep visa signiture?

https://forum.lowyat.net/topic/4067746

fruitie sj0217

Hi masterz I already got my Ikhwan Mastercard and yesterday was the first time that I use it. Got questionzz

1. Been reading a lot about this. I actually plan to use this card by buying 1 expensive things (Okay let's say RM1K) and then pay 200 per month or pay minimum per month consistently. So i might get charged interest per month(1.5% per month right? 18%p.a) for the balance that not being paid fully.

But then I read and read and i found out that most of you suggest to do full payment every month to avoid interest. So use 300 this month pay 300 this month so that bank cannot charge any interest and they wouldnt gain money from you.

My main mission here is to have credit history and keeping it good since i have none.

So by doing that bayar minimum every months, is it considered to be bad to my credit ratings? and if i pay fully every month? Meaning i dont have debt lah right? meaning i need to use every month lah if not then got nothing to pay and just pay rm25 every month. Ahhh so penin

This post has been edited by jishu: Apr 27 2017, 04:56 PM

Need to pay 25 per month for? I don't remember there's any requirement to use the card to avoid a fee.

In addition, if you were to do the above mentioned method, you'll get slapped with interest charge. Why you want to do that? You can easily request for ezypay or balance transfer out but I believe you don't have the discipline to use such facilities yet.

after 2 day i appeal my MasterCard Ikhwan Platinum.

received card center reply me , but felt funny after saw this

Dear Mr Ng

Refer to our conversation this morning on your appeal for Maybank Islamic MasterCard Ikhwan Platinum.
Forward to you the application form for you to complete.
Kindly reply to my email & we need your application form in order to appeal your application.
Can we suggest to split your credit limit between your conventional & Islamic credit card & please confirm on this matter.

Thanks.

oh so if i dont use the credit card at all, then i need to pay nothing? Isn't in the Term & Conditions say i must pay minimum RM25 no matter i use or not?

That's if you have outstanding amount la.

If you don't use, it's 0 per month.

No spending, no payment. My Ikhwan is in drawer since more than half a year ago.

Pay full for nice record. Why wanna destroy your own record?

Credit history doesn't mean you need to owe them money every month, it's just to prove you have credit facilities like credit cards, loans.

Hahahaha alright2 tqvm masters!

How do I know if my card approve or not? Will they send SMS notification or I need to call Customer Service?

they will call and send sms

thanks!! how long is the approval process actually? 5 working days?

mine takes 2 working days je...

but i applied at card centre. if branch might takes longer..

ayam applied thru website

can go to card centre to confirm & collect the card?

wait for sms first..if u feel it's taking a long time call je cs ask status

Wuuu just got the sms

RM0.00 Maybankard:We regret to inform that we are unable to accede to your card application. Thank you for your interest shown.

Can appeal? They not reject but not agree

refer first page. got step by step instructions how to appeal.

my card also rejected the first time i applied. after following appeal procedure only then approved

Thanks!!