gross income is ok

my "2nd best card" is not the same as your "2nd best card"

each person is different, has different perferences, needs, and spending behavior.

why not? there's no rule preventing you to do so.

however, usually it'd be easier to apply if your pay is deposited into maybank.

imo, dont think can do so much impact, but a little credit score would help regardless.

simple answers

1) kindly wait, do not rush. you can try appeal with more supporting document and/or negotiation with cs/staffs.

2) iinm, yes, it will show. this is also related to (1), the more you apply, the banks would see the increase amount of application attempts.

3) pledging = use your money as collateral to get a credit service from the bank.

credit card itself is where bank extend credit facility to you, right? in situation banks wouldnt extend you the credit service, alternatively you offer your money as collateral instead. why? bank not bearing the risk, instead your own money is.

FYI, pledged amount = credit limit. meaning, pledge rm10k = credit limit for the card too.

downside is the card is linked to the pledge amount. if you need the uplift the pledged FD (emergency, etc), you need to cancel the card too. same reason, if bank dont have your money as collateral, they would't want you to use the card service as well.

depends on your utilities bill (water/electricity/iwk) and NOT those broadband/telcos.

direct: pay direct at their respective portals and using Online cb cards.

indirect: reload to bigpay and pay at their respective portals (if those not categorized as Online) or counters.

alternatively: pay using Jompay (uob yolo, scb jop/lfc) or via ewallet such as Boost or TNG ewallet. limited selection.

kindly follow the template in post #2

without much info, it's difficult to recommend relevant cards according to your average monthly spending on relevant categories (first you asked petrol/utilities, now you added dining)

list out as much as possible and some indication of $$ you spend on average each month.

serious, no need ask 2 times le.


ringgitplus or comparehero or other, are merely an online portal agents for banks.

gifts are borned by these websites. they resubmit your application to the respective banks and monitor the approvals (report from banks). if you are eligible, they reward you with the gift.

these sites have their privacy policy. read thru them.


if you are not comfortable dealing with them, then apply direct from banks (little to no gifts).


if you are merely hunting for gifts, then there's nothing for you to worry regardless of where you apply. just worry later.

ppl voluntary reply. there is no obligation to respond.

can read this faq from mbb

https://www.maybank2u.com.my/WebBank/FAQ_BNM030411.pdf

cashback rate doesnt tell the actual effective rate

e.g.

hlb wise, 10% cashback, capped rm100 cashback <-- but need to spend min rm2000
scb job, up to 15% cashback, capped rm85 cashback <-- but need to spend min rm2500
mbb fcb vs, 10% cashback, capped rm100 cashback for May and Aug only <-- no min spend, but limited to 2 months in a year

This post has been edited by cybpsych: Apr 26 2019, 03:56 PM

you just applied m2card? or existing for about 1yr?

do you have pbb quantum cards? both visa and mastercard (combo) have a feature called 12month Flexipay 0%.

this is feature is good for your ad-hoc big purchases, especially moving to new joint.

swiped the big amount (min rm1.2k for flexipay), call CS to convert it to 12mth installments.

no cashback for sure, but the Flexipay helps to ease the cashflow.

high cashback in % or RM ?

mbb vs, 5% anydays any brands. capped rm88/mth
affin-bhp, 10% weekend for bhp. promo till 30 Nov 2019. capped rm50/mth
mbb ikhwan petronas visa, 8% weekend for petronas. capped rm50/mth
mbb ikhwan mastercard, 5% weekends any brands. capped rm50/mth
mbb m2c amex, 5% weekends any brands. capped rm50/mth

alternatively can try boost-shell combination. or use petronas Setel app.


read the product t&c. some have AF.

you didnt state how much you spend.

use the template in post #2


here you go, unlimited 1%. 10k can get rm100.



This post has been edited by cybpsych: Jun 14 2019, 04:34 PM

ask here

yeah, last i tried also cannot. parents was 60+.

perhaps can try Public Bank. gotten supp cards for my parents without questions asked.

uob yolo

eligible cb cards -> bigpay -> tnb also can

dump all tnb to yolo, easy.

8% of rm500 tnb gives rm40 cashback. settled.

16x rm31-32, do it via jompay in PIB. no need pay direct from mytnb app/web.

the rest of the cards, use for others, e.g. bigpay boost etc

use the tng app and do bill payment INSIDE the app