CCRIS can print from BNM, there are kiosks for it. Free.
CTOS, via 3rd party and I'm not comfortable to proceed with them so until today I do not know my scoring.
Well, to me CTOS is to check blacklisted, bankruptcy and all.

Still, getting TAC from SMS faster. Using secure2u need unlock your phone and open the app...

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

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.

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.

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.

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

Just went back frm Bank Negara to print out the ccris report. No wonder why aeon rejected me . Probably because high risk debt ratio since the report show there is over 6k outstanding for mbb2gold card which i actually pay it in full after its updated. Thinking to write appeal letter for it but dont know how to write a proper one. Anyone can share ?

I am quite confused with the TreatsPoints showing 35-1165 and 8-34. What do them mean?

Yes .. I gotten about RM18 cash back on petrol .. weekday.+ weekend

To activate the card one of the method login maybank2u but I can't find any login information inside the letter

For buying top up vouchers for hotlink at all these stores, can use amex?

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yup, no need to bring so much cash, even for small amount also can paywave or swipe card.

Hi, have a question, if I schedule TM bill payment on maybank2u using amex effective date to be on coming saturday but I setup the payment on week days. Do I still entitle for 5% cash back?