I've seen the option before but never tried. Why wouldnt' you use online banking though?

Not necessarily.

If you have a bill of RM1k and paid less than that (let's say RM500), it will still show RM0 on minimum payment. And you will be charged interest.

Depends what your definition of 'spend' is. House downpayment, buying flight tickets for tour group....

Why pay the full amount (if your bill higher than 1k)? Entries doesn't depend on amount paid.

One exception is some lapuk places which don't process your transaction at all on weekend. Nowadays quite rare to encounter, but I remember some years ago that some websites would just collect your CC details and then probably manually enter in their systems when employee come to work on Monday.

At the very least can use for petrol or dining out (even McD).

Your phone number is one of the only security they use to protect your card. If you don't answer sure must block. Surprised they waited till next morning.

How will you go online when away from civilization? Bank need to protect their cash Wei. Although if using TAC then normally shouldn't need verification call as well. Unless suddenly change purchase pattern.

Depends on merchant, shopee the most familiar one which will kick your transaction backward in time. LHDN of course will use local gateway and no problem.

Better calculate properly whether FD is worth it. You're tying up (let's say) 30k of your money with the bank in order to get a credit card which max cashback is RM50x12 per year if fully utilize (ignore TP for easier calculation). RM600 total.

The difference between interest rate for the FD you're tying up (board rate) and promotional FD rates may be about 1+%. At 1%, that means it 'costs' you 300 ringgit per year in lost interest. Not to mention the lack of flexibility because you tie up your liquidity there.

Effectively you're halving your cashback in the best case scenario (fully utilize RM1000 on the dot every month). Once you count it as 2.5% cashback not so attractive anymore. Can still be worth it, especially if you're targeting categories that no other card can give cashback, but definitely needs thinking.

Just to repeat what I said, even if you need to put some cash in FD for X number of years, you are 'paying' for your credit card by the loss in interest. Board rates currently hover about 3% or so. Promo FD rates hit 4.5% just recently (now dropped to 4.3% best case).

That difference in interest is your cost when placing FD to get a credit card. You'll need to calculate if benefits are worth it.

Possibilities are:-
1. Transaction denied
2. Approved with no problem
3. Approved with some penalties

Why take the risk? Just overpay your card first. Or call in to Maybank request temporary credit limit increase (but they can reject, depend on reason). Overpay is the safest.

Only 1% nia. Syukur kerajaan BN, terima kasih Najib =p

Go baskin robbins. They're even having a promo now.