Had really nothing to do with more or less users using AMEX. One of the main issue is that AMEX charges a higher fees for the merchant compared to Visa or Master hence the decision to drop AMEX

Just want to know, is it worth to use Maybank Visa/Amex credit card or change the cash when go travel?

Like travel to China. Is it better change RMB at Malaysia first or change some rmb and use Credit Card at China?

ahhh no wonderlaaa..ok2 thanks mate. nice info

was trying to apply online but the webpage returns with "Service Unavailable"

This is the main issue, merchant need to pay higher fees.
By right they not allowed to choose not to accept amex, unless their machine is down or whatsoever.

Application approved 😝 Normally how much the starting credit limit ?

Depends on your salary i guess.

2x maybe? Erm.. waiting it deliver to me

You can check the credit limit from your M2U Account

Ok thank you. Waiting the card to come. Hopefully within this week? Not sure

u apply from?

The gardens card center during weekend

If you have cash back, still worth to use credit card.
Just to share your experience with China's scene since I travel there quite often, big cities like Beijing and Shanghai have no issue of accepting overseas credit cards but 2nd tier cities onward like Chengdu, Chongqing have issue recognizing our cards and most of the time, they will not accept our cards.

I use AliPay and WeChat Wallet most of the time if I'm in China or use my ICBC debit card.

How about the rate? Feel like use CC better than exchange the currency at MY. Not sure if Beijing accept AMEX?

But AliPay and WeChat not accept Malaysia bank card right? The ICBC is issued by Malaysia bank or?

This post has been edited by jiaen0509: Apr 25 2017, 09:47 PM

I did use before AmEx in Beijing for few times, usually in a western restaurant or international merchants.

They accept Malaysia credit cards. ICBC issued in Malaysia, next time will apply for China bank accounts in my next trip. May go to Guangzhou next month, well let's see.

Like 100RMB... Exchange RMB at MY or use Credit card more save? I think when we exchange from MYR to CNY... Got 2.5% also... Look like use Visa more cheap

This post has been edited by jiaen0509: Apr 25 2017, 09:54 PM

Exchange rate: https://forum.lowyat.net/topic/1845691
AmEx will have higher exchange rate compared to Visa or MasterCard but if it has cash back and 5xTP, I think it is still more worth it.
Anyway, I'm a hardcore plastic card user, will prefer plastic card over cash.

If 100RMB

Exchange to from CNY to MYR to cash need Rm65.30
Use Maybank card pay only RM64.

Mean use card better than exchange cash... Just dont know the real experience... I have no experience yet. haha

Err.. That low only RM 64? You need to consider exchange rate and additional fees.

Ya... That's why need the real experience from all of you whether use credit card oversea better or exchange at money changer better... haha