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Credit Cards Maybank Islamic MasterCard/PETRONAS Visa Ikhwan V3, Another Fantastic Cash Back Card

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Exeunt
post Jan 10 2020, 11:59 AM

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QUOTE(zaniel @ Jan 10 2020, 01:27 AM)
Tried to apply Ikhwan PETRONAS visa through M2U and got rejected as expected.

Sent appeal email but was informed they can’t process it and asked me to apply again by emailing them the application form, as the application was done through different channel

Anyone experienced the same before?
*
my trick was.. on 4th applying it , fill in app form halfway, and left the form...in few days time.. mbb cs call ask why didnt finish.. cs help apply and all.. *more easier if your gaji masuk mbb, no need supporting doc and shitss.. a week after terus dpt card...

root cause, in all previous apply, system didnt "capture" doc i uploaded .. hence rejected, but during i apply said successful uploaded etc.. so yeah.. doh.gif
arza04
post Jan 12 2020, 09:04 AM

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QUOTE(zaniel @ Jan 10 2020, 12:27 AM)
Tried to apply Ikhwan PETRONAS visa through M2U and got rejected as expected.

Sent appeal email but was informed they can’t process it and asked me to apply again by emailing them the application form, as the application was done through different channel

Anyone experienced the same before?
*
Last year I kena...applied two times with 6 months gap both not successful. Not only mbb, all other bank i applied the same

Then I realized, my uploaded pdf pay slip is password protected lol. No wonder my application unsuccessful
September 2019 I applied again, successful. Got the card in just 4 days.

This post has been edited by arza04: Jan 12 2020, 09:05 AM
widget
post Jan 13 2020, 10:23 AM

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QUOTE(zaniel @ Jan 10 2020, 12:27 AM)
Tried to apply Ikhwan PETRONAS visa through M2U and got rejected as expected.

Sent appeal email but was informed they can’t process it and asked me to apply again by emailing them the application form, as the application was done through different channel

Anyone experienced the same before?
*
Like the other previous replies, try to apply manually at MBB card centre / branches or let their CS call you
bukitbanyan
post Jan 13 2020, 01:16 PM

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There's a new Visa Ikhwan account pending activation in my m2u. I can see this account since 1 January 2020. Up till today I haven't received the card and not even get any sms from Maybank. I did not know the status until I incidentally saw it in my m2u on 1 january. Is this normal for maybank?
max291
post Jan 14 2020, 12:57 AM

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QUOTE(bukitbanyan @ Jan 13 2020, 01:16 PM)
There's a new Visa Ikhwan account pending activation in my m2u. I can see this account since 1 January 2020. Up till today I haven't received the card and not even get any sms from Maybank. I did not know the status until I incidentally saw it in my m2u on 1 january. Is this normal for maybank?
*
Try calling Maybank card center and ask for status & tracking number. Most probably it is at your local post laju ofice. Some bloke /or system at Maybank card center always forgot to put the first line address, and post service never bother to call. 2 of my Maybank application thru M2U had this problem.
1tanmee
post Jan 14 2020, 03:12 PM

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Overseas transactions need to call CS to activate?

This post has been edited by 1tanmee: Jan 14 2020, 03:13 PM
koinibler
post Jan 14 2020, 09:39 PM

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QUOTE(1tanmee @ Jan 14 2020, 03:12 PM)
Overseas transactions need to call CS to activate?
*
mine no need.
but i guess its better to do so, in case anything happen
coolguy99
post Jan 16 2020, 01:49 PM

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QUOTE(1tanmee @ Jan 14 2020, 03:12 PM)
Overseas transactions need to call CS to activate?
*
No need but it’s best to let them know in case your trx overseas is flagged as a potential fraudulent trx.
zaniel
post Jan 17 2020, 02:08 PM

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Just an update. I submitted again the credit card application via email (filled in the form manually) and again it was rejected. The i next thing I did - appeal by mentioning my intention to split my convention credit card limit, and know what, just after few hours I received email from CS that they have forwarded my appeal to further review, I received SMS text from Maybank mentioning they cannot accede my application and hence failed again. It seems the splitting credit limit trick doesn’t work anymore? Or anyone just got the card recently with this trick?

QUOTE(ClarenceT @ Jan 10 2020, 11:13 AM)
A lot of people already experienced it.
You believe in Maybank's A.I.?
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I see. I got my Barcelona and M2card via M2U. So thought it is fine to apply via M2U as I know for the first time it sure will fail since I am holding conventional credit card and eventually will have to appeal


QUOTE(Exeunt @ Jan 10 2020, 11:59 AM)
my trick was.. on 4th applying it , fill in app form halfway, and left the form...in few days time.. mbb cs call ask why didnt finish.. cs help apply and all.. *more easier if your gaji masuk mbb, no need supporting doc and shitss.. a week after terus dpt card...

root cause, in all previous apply, system didnt "capture" doc i uploaded .. hence rejected, but during i apply said successful uploaded etc.. so yeah..  doh.gif
*
Ahh.. good for you. Even my salary masuk kat maybank pun mereka tak nak approve. Gave up on this card already.


QUOTE(arza04 @ Jan 12 2020, 09:04 AM)
Last year I kena...applied two times with 6 months gap both not successful. Not only mbb, all other bank i applied the same

Then I realized, my uploaded pdf pay slip is password protected lol. No wonder my application unsuccessful
September 2019 I applied again, successful. Got the card in just 4 days.
*
I see. Thanks for sharing this, but it is quite unlikely in my case.

This post has been edited by zaniel: Jan 17 2020, 02:15 PM
1tanmee
post Jan 17 2020, 04:38 PM

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QUOTE(koinibler @ Jan 14 2020, 09:39 PM)
mine no need.
but i guess its better to do so, in case anything happen
*
yup confirmed no need

QUOTE(coolguy99 @ Jan 16 2020, 01:49 PM)
No need but it’s best to let them know in case your trx overseas is flagged as a potential fraudulent trx.
*
called, and they say no need
chikuera
post Jan 19 2020, 08:01 PM

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Hi Guys. Just got my Ikhwan CC (my first cc). Too only 3 days for them to send to me so fast!

Anyway, i have a question. Already searched the forum but the topic was discussed in 2010 😅

Q: for Ezpay, the application is done during our swipe at shop’s terminal right? And no need to apply online after that?

Iinm, only for Ezpay Plus you need to apply online and it’s not interest free.

Other Q: is it legal for Shop to charge administration free for Ezpay transaction?
cybpsych
post Jan 19 2020, 09:07 PM

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QUOTE(chikuera @ Jan 19 2020, 08:01 PM)
Hi Guys. Just got my Ikhwan CC (my first cc). Too only 3 days for them to send to me so fast!

Anyway, i have a question. Already searched the forum but the topic was discussed in 2010 😅

Q: for Ezpay, the application is done during our swipe at shop’s terminal right? And no need to apply online after that?

Iinm, only for Ezpay Plus you need to apply online and it’s not interest free.

Other Q: is it legal for Shop to charge administration free for Ezpay transaction?
*
a1: yes, the merchant/shop will do the rest

a2: yes, unethical to impose surcharge.
TrollNoob
post Jan 20 2020, 10:34 AM

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QUOTE(chikuera @ Jan 19 2020, 08:01 PM)
Hi Guys. Just got my Ikhwan CC (my first cc). Too only 3 days for them to send to me so fast!

Anyway, i have a question. Already searched the forum but the topic was discussed in 2010 😅

Q: for Ezpay, the application is done during our swipe at shop’s terminal right? And no need to apply online after that?

Iinm, only for Ezpay Plus you need to apply online and it’s not interest free.

Other Q: is it legal for Shop to charge administration free for Ezpay transaction?
*
Q1: A certain potion of the credit limit have been locked for the Ezpayment. Have to pay the agreed monthly amount right until the amount/term fulfilled.

Q2: Illegal but this is malaysia. Most shop transfer the merchant costs to customers. Do report also no use. BNM or banks not taking any action. Might as well you go to other merchants. let other water fish shop at the fraudulent shops.
chikuera
post Jan 20 2020, 09:45 PM

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QUOTE(cybpsych @ Jan 19 2020, 09:07 PM)
a1: yes, the merchant/shop will do the rest

a2: yes, unethical to impose surcharge.
*
QUOTE(TrollNoob @ Jan 20 2020, 10:34 AM)
Q1: A certain potion of the credit limit have been locked for the Ezpayment. Have to pay the agreed monthly amount right until the amount/term fulfilled.

Q2: Illegal but this is malaysia. Most shop transfer the merchant costs to customers. Do report also no use. BNM or banks not taking any action. Might as well you go to other merchants. let other water fish shop at the fraudulent shops.
*
Thanks for your answers!

Further Q:

1) Were there any case of glitch that cause the EPP not recorded and we have to pay the payment full to the bank?

2) no Q but I see most merchants will put like 0% admin fee like a promotion or something but the reality that it shouldn’t be there in the first place 😤

Exa_Bytez
post Jan 29 2020, 01:22 PM

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Hi there. I just received my cc statement for this month I noticed there was a transaction that I did not make. I called maybank CS and they said the unauthorized transaction was via paywave. Weird thing is, the transaction (a fast food restaurant) happened 500KM from my location which I never go to before. I raised the question on whether someone can duplicate my card via paywave but the CS rep says no way and mentioned the card need to be there for the transaction to take place. Is this true? One more thing, should I pay my statement balance in full or minus this one out first?
fruitie
post Jan 29 2020, 01:36 PM

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QUOTE(Exa_Bytez @ Jan 29 2020, 01:22 PM)
Hi there. I just received my cc statement for this month I noticed there was a transaction that I did not make. I called maybank CS and they said the unauthorized transaction was via paywave. Weird thing is, the transaction (a fast food restaurant) happened 500KM from my location which I never go to before. I raised the question on whether someone can duplicate my card via paywave but the CS rep says no way and mentioned the card need to be there for the transaction to take place. Is this true? One more thing, should I pay my statement balance in full or minus this one out first?
*
Have you filed a dispute for this transaction? You cannot exclude it, else it is considered as short payment.
Exa_Bytez
post Jan 29 2020, 07:21 PM

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QUOTE(fruitie @ Jan 29 2020, 01:36 PM)
Have you filed a dispute for this transaction? You cannot exclude it, else it is considered as short payment.
*
Thanks. Later I raise the dispute. In this case it only charged me less than 100 for the transaction. But what if the unauthorised transaction reach nearly the credit limit. Do I still have to pay in full? And also, is it possible to enable SMS alert for every credit card transaction?
eddievh
post Jan 29 2020, 07:24 PM

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QUOTE(Exa_Bytez @ Jan 29 2020, 07:21 PM)
Thanks. Later I raise the dispute. In this case it only charged me less than 100 for the transaction. But what if the unauthorised transaction reach nearly the credit limit. Do I still have to pay in full? And also, is it possible to enable SMS alert for every credit card transaction?
*
Yes,you can set it to rm1 for MBB card.
effectz
post Jan 30 2020, 09:56 AM

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QUOTE(eddievh @ Jan 29 2020, 07:24 PM)
Yes,you can set it to rm1 for MBB card.
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How? Where's the setting?
maskedchan
post Jan 30 2020, 10:07 AM

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QUOTE(effectz @ Jan 30 2020, 09:56 AM)
How? Where's the setting?
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call CS

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