Dear Sirs,
Re: Maybank Ikhwan MasterCard Rejection (Appeal)
I write with reference to my recent application for a credit card facility provided by Maybank, and your subsequent refusal of the facility. I fulfilled ALL the requirements as stated to get the Maybank Islamic Ikhwan MasterCard and there are absolute NO reason for Maybank to reject my application based on my records alone. Furthermore, I am a good paymaster for all my other credit cards & Loan as seen from the scanned copy of the CCRIS that I had attached. I was not blacklisted for anything and you could verify with CTOS if you need to.

As a loyal Customer more than 10 years to Maybank, I would like to appeal your decision because I feel I have underlying facts that would make you reconsider. I trust my appeal will be looked at more favorably than my original application.

Please spend a few moments looking at the additional information attached with my appeal. In the meantime, I look forward to your response, hopefully with better news than last time. Thanks

Lxx xx:xxx:xxx
(IC no.xxxxxxxxx)

MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month.

PBB Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 0.2% CB on Other Retail Spend

OR SCB JustOne Platinum MasterCard


Now come with Better Cashback Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except Government & Charities ).

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing: (via Auto Debit)
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via https://360rewards.standardchartered.com/my/rewards_home

Btw, SCB JusOne Plat. Annual fee can be Waive EZly with just a Call to CS

i) HLB Essential: 0.6% on 1st RM5000 spend or any Insurance Transaction, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

ii) SCB Cashback Plat.: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

iii) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN.
http://www.alliancebank.com.my/younique

iv) Maybank FCB VS
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.

v) HLB Fortune- 1% Cash Back but need minimum spending RM2k to qualify CB. A Good card if you could spend at least RM2000 but capped at RM5K (RM50 cash back), that one needs to spend at least RM 2k per month and it will not be accumulated. If cannot achieve then CB burn. https://www.hlb.com.my/en/personal-banking/...rtune-card.html

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver
SCB JustOne Platinum MasterCard, Now with Better Cashback Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except Government & Charities ).

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing:
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend: For all online transactions made with “Transaction Mode = M, D, S and U”

https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

* Cashback earned from Both SCB Cards will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via https://360rewards.standardchartered.com/my/rewards_home

This post has been edited by fly126: Aug 25 2018, 08:17 AM

i) HLB Essential: 0.6% on 1st RM5000 spend or any Insurance Transaction, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

ii) SCB Cashback Plat.: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

iii) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending.
http://www.alliancebank.com.my/younique

iv) Maybank FCB VS
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.

v) HLB Fortune- 1% Cash Back but need minimum spending RM2k to qualify CB. A Good card if you could spend at least RM2000 but capped at RM5K (RM50 cash back), that one needs to spend at least RM 2k per month and it will not be accumulated. If cannot achieve then CB burn. https://www.hlb.com.my/en/personal-banking/...rtune-card.html

vi) Maybank 2Cards
* Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
(Basically, Anything you spend on Weekends or Pay your Utilities Billing by using 2 Amex thru Maybank 2U or Online at Weekends it will earn You 5% Cash Back)
also,
YOU can Uses Treats Point to redeem, Shopping Voucher or uses on Enrich Air Miles Redemption

Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB)

CashBack on Auto Bill Payments, eCommerce and Petrol. (except Government & Charities ).

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing: (via Auto Debit)
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via https://360rewards.standardchartered.com/my/rewards_home

Btw, SCB JusOne Plat. Annual fee can be Waive EZly with just a Call to CS :nod

i) Citibank Visa Signature/ World Mastercard - Replacement for (Generic) Normal Plat. Card which provide Unlimited PPL Access to Cardholder.
• *5x Rewards point awarded at selected Supermarket, Dept. Store or Hypermarket.
a. Departmental Stores: AEON, AEON Big | Isetan | Marks & Spencer | Metrojaya | Parkson | Robinsons | Tangs
b. Supermarkets: Cold Storage | Everrise | Giant | Jasons Food Hall | Servay | Tesco| B.I.G. Ben's Independent Grocer | Jaya Grocer | Village Grocer

• 5X Citi Rewards points when you travel overseas**

*Retail transactions made at the selected supermarket/hypermarket merchants will be awarded 5X Citi Rewards points up to a maximum spend of RM3,000 per billing cycle month.
**Overseas retail transactions will be awarded 5X Citi Rewards points up to a maximum spend of RM24,000 per year.
https://www.citibank.com.my/english/credit-...rade/index.html

ii) SCB Visa Platinum - 5X points with Dining, Department stores, Overseas spend. https://www.sc.com/my/campaign/visa-platinum-relaunch/

iii) Maybank Visa Infinite - Overseas Spend RM1 = 5X tp. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

iv) AmBank VISA Infinite Card /AmBank World MasterCard - 5X AmBonus Points for overseas spend. https://www.ambank.com.my/eng/cards/visainfinite

v) RHB VISA PREMIER / INFINITE CREDIT CARD - 8 /5 x Reward Points for Overseas retail spend. https://www.rhbgroup.com/products-and-servi...ite-credit-card

vi) HLB Sutera Platinum Card - Up to 6X Rewards Points with Shopping, Travelling and Dining spend https://www.hlb.com.my/en/personal-banking/...tinum-card.html

vii) HSBC Visa Signature
• 10X Reward Points on overseas hotel room and dining spend
• 8X Reward Points at Mid Valley Megamall and The Gardens Mall
• 5X Reward Points on:
Airline ticket purchases, Room and dining spend at local hotels
All spend at more than 30 participating malls nationwide &
• 1X Reward Points on all other daily spend.
https://www.hsbc.com.my/1/2/!ut/p/c5/04...VPW/#_signature

viii) Alliance Visa Infinite
5x Timeless Bonus Points* for overseas retail spend
2x Timeless Bonus Points* for local retail spend https://www.alliancebank.com.my/cards/perso...inite-card.aspx

CashBack on Auto Bill Payments, eCommerce and Petrol. (except Government & Charities ).

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing: (via Auto Debit)
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via https://360rewards.standardchartered.com/my/rewards_home

Btw, SCB JusOne Plat. Annual fee can be Waive EZly with just a Call to CS :nod