That's the no.1 rule of using credit cards.

Well, for overseas spending yes. Local retail spending, it is difficult.

Cash back will only show up on 2nd of every month via online banking, check tomorrow. I assume you mean M2Cards AmEx. If AmEx Ikhwan is on 8th.

Wrong thread to ask by the way.

This post has been edited by fruitie: Apr 1 2024, 11:25 PM

UOB PRVI Miles Elite, Maybank 2 Cards Premier.

There is no best cash back card.

I'm sorry but I am no longer active with cash back cards, just having M2Cards and Maybank Ikhwan AmEx/MasterCard for different categories.
Most of the time, I'm after airmiles.

I would suggest applying Maybank MUVI instead of the generic VI. At least MUVI gives 5x for groceries.

Impossible to get waiver from MBB. Either spend enough or pay AF. MBB is the only bank which doesn’t bother to lose customers because people will still go to them to apply anyway.

Maybank currently has promo until 31st July but only 6 months, Affin Bank has 12 months are some of the examples.

This post has been edited by fruitie: Jun 9 2024, 08:23 PM

Why not education? It is for everything, at least the ones I suggested earlier.
Not mentioned in T&C at all: https://www.maybank2u.com.my/iwov-resources...rate-fy2024.pdf, https://www.affinalways.com/storage/AffinAl...Plan-TnC-EN.pdf

How did you come up with this conclusion?

Retail transactions include of education. Most credit cards will not specify categories by categories for such thing. If you are worried then check with CS first.

This post has been edited by fruitie: Jun 11 2024, 01:24 PM

A credit history that is too clean may make your credit application difficult in the future.

I'm not a fan of using debit cards for purchases, etc., even if I'm cash-rich because they give you direct access to your savings account. If any fraud happens, your money is gone, and you need a long time to recover from the bank, etc. I'm not saying you won't get fraud cases using credit cards, but that's a credit, and no actual money is taken from you yet. Usually, the transaction can be reversed after a dispute with banks, and you don't need to pay anything.

I would say it is not a bad thing to own credit cards for convenience and emergency purposes. If you can manage your finances well, then I don't see it as an issue.

If you already have credit cards, you don't need to use debit cards anymore.

Anyway, wrong place to ask, post it here instead: https://forum.lowyat.net/index.php?showtopic=4281854&hl=

I just noticed this is the Recommendation thread.

This post has been edited by fruitie: Jun 13 2024, 02:24 PM

RM 20 for total spending in a month (to get at least RM 1 cash back), not RM 20 minimum spend for each transaction.

If I'm not mistaken, True Visa is no longer available for new applicants.

No, I don't think so. The card is no longer available for new applications.
I'm not surprised if it will be revised and change to EOL product in the future. However, they have stopped application for True Visa for a year or something now.

Check the embossed month on your card, that will determine the spending period. Some examples below:

If the month embossed is April and your card is approved this year’s Jan, the spending period is from March 27, 2024 to March 26th, 2025. The AF will be imposed on March 27th 2025. From Jan to March 26th, 2024, the spending within this period will not be counted as part of the 80k. However, you still get to earn the points during this period.

If the month embossed is Sept and you get the card in September 2024, your spending period taken into calculation is from Sept 2024 to Aug 26th, 2025.

In short, the expiry month on your card determines the spending period.

Yes. Second year will be charged upfront.

Yes, will be charged on 27th March 2025. Maybank won’t entertain waiver unless you spend enough and it will be automatically waived. You can cancel before 27th March 2025 or after that provided you don’t spend anymore after AF is charged.

This post has been edited by fruitie: Sep 23 2024, 10:41 AM

Yes, counted part of spending but not entitled for points.

For recurring/debit, can also try Affin Duo Visa.

The cards should be also showing up on CCRIS I guess? At least they will show that they were approved by the FIs. How can one apply so many cards “out of curiosity”?