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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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eddievh
post Aug 19 2020, 12:14 AM

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QUOTE(watabakiu @ Aug 19 2020, 12:11 AM)
Only new transactions made after the next billing date, yes?
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Your 5k outstanding and new posted transactions all will kena interest.
eddievh
post Sep 2 2020, 12:26 AM

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For Affin duo card, let say after 1st year auto waiver 12 times never meet how much is the annual fee ?
eddievh
post Dec 26 2020, 04:18 AM

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QUOTE(zyulander @ Dec 26 2020, 03:48 AM)
hello, need some clarification on maybank statement.

i made a purchase on 4/12/20 (ezy payment plan rm200x12)

so on 4/12 there's rm210 (RM200 1st month + RM10 misc ) on the transaction history.
statement date on 14/12/20
due date 3/1/21
-outstanding balance rm210
-statement balance rm210
-minimum payment rm210
on 15/12 there is this another RM200 amount of the installment in the transaction history
-outstanding balance rm410
-statement balance rm210
-minimum payment rm210

i made payment on the statement balance RM210 on 18/12/20
-outstanding balance rm200
-statement balance rm210
-minimum payment rm0
my questions are :
-am i charged twice for the monthly installment and should pay the remaining RM200 on the outstanding?
-or should i just wait for next statement since i already paid the first installment and the minimum payment is already RM0?

thanks in advance  smile.gif
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Wait until next statement.
eddievh
post Dec 28 2020, 10:47 PM

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Why certain shops only accept debit card but not credit card? It is due to cheaper service charges ?
eddievh
post Dec 29 2020, 06:49 AM

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QUOTE(GrumpyNooby @ Dec 29 2020, 06:45 AM)
Yes, the interchange/MDR fee for debit card is very low.
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If use bigpay card will they accept?
eddievh
post Aug 6 2022, 12:56 AM

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Normally for a card got unauthorized transaction from the day I call CS to report until get new card. It takes how many days or week? On 30th July my affin card got 1 unauthorized transaction rm5 ,
eddievh
post Mar 12 2024, 12:31 PM

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QUOTE(Nom-el @ Mar 4 2024, 06:54 PM)
I have a question about 20 days interest free grace period. If I pay my statement balance before due date, there will be no interest charged. If I did not pay all before the due date, interest will be charged on the remaining statement balance and subsequent transactions will no longer be interest free.

When would it reset? Immediately after settling the unpaid statement balance or all outstanding balance (including those not yet statemented)? Or in the next statement cycle after either of the above?

In other words, when will one get to enjoy the 20 days interest free period again?
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All outstanding need to reach 0 then only will reset.
eddievh
post Mar 15 2024, 01:23 PM

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I got question about pre authorised holding amount. If we use CC the pre authorised amount will straight away deduct the credit limit. During 10days if merchant didn't claim it credit limit will automatically increase back.
My question is how about we use debit card? If 10days merchant no summit claim will the bank balance increase? Two months ago i ate at 1 mamak they still haven't claim my rm65, i used stand chart Cc

Ps, another words can debit card makan free if merchant didn't claim in 10days?

This post has been edited by eddievh: Mar 18 2024, 12:48 AM
eddievh
post Mar 17 2024, 01:00 PM

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QUOTE(WaCKy-Angel @ Mar 17 2024, 12:38 PM)
Mamak also got preauth?
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Credit card terminal ma of course got pre authorized holding.
eddievh
post Aug 24 2025, 01:40 PM

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QUOTE(FuNks @ Aug 24 2025, 12:17 AM)
hi guys, any type of bank cc able to get instant transaction notification like maybank does?
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Standard chartered can.

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