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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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watabakiu
post Feb 23 2018, 10:03 PM

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QUOTE(eddievh @ Feb 22 2018, 11:58 PM)
Isn't it written on your card eg 04/23 ,that mean on expired on April 2023
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means on april can still use or cannot edi?
fly126
post Feb 23 2018, 11:36 PM

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QUOTE(watabakiu @ Feb 23 2018, 10:03 PM)
means on april can still use or cannot edi?
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Still valid can Use till tamat tempoh... they usually already sent out the Replacement Card to card holder a month before your Card Expiry month/ Date. Once you have Activated the Replacement the OLD one automatically tak boleh pakai liao
watabakiu
post Feb 24 2018, 06:24 PM

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QUOTE(watabakiu @ Feb 14 2018, 09:07 PM)
If I need to revise my credit card cycle. how far out can I do it? now it is set on 23, but I only receive my salary on the last day of each month.. Is it okay to for the cycle to 1st or 2nd instead?
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QUOTE(watabakiu @ Feb 15 2018, 08:11 PM)
Mine is a bit peculiar, as i applied online, and i didn't recall informing the bank of the preferred bill/payment date. Based on your info, the billing would be for a month, and the settlement due date is +20days after the billing date. correct?

screenshoots below, for my new CC. not sure how to read into this:

CC activation date:
[attachmentid=9597947]

Card details, as per M2U:
[attachmentid=9597948]
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QUOTE(cybpsych @ Feb 15 2018, 08:34 PM)
they doesnt ask you. statement date is assigned automatically.

from the m2u screenshot, bill date is 3rd, due date is 23rd.

feel free to change the statement date by calling mbb.
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I have called Maybank to have my statement date revised to 3rd of each month. They say it'll take some 30days to have it effected. I checked my M2U just a while ago, and noticed that my bill statement is not out yet, but the statement date/due date is not yet changed..


[attachmentid=9615735]

But based on the screesnhoot above, got the outstanding amount figure, but no stated minimum amount to pay, and the amount due also?
eddievh
post Feb 24 2018, 07:24 PM

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QUOTE(watabakiu @ Feb 24 2018, 06:24 PM)
I have called Maybank to have my statement date revised to 3rd of each month. They say it'll take some 30days to have it effected. I checked my M2U just a while ago, and noticed that my bill statement is not out yet, but the statement date/due date is not yet changed..
[attachmentid=9615735]

But based on the screesnhoot above, got the outstanding amount figure, but no stated minimum amount to pay, and the amount due also?
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From the screenshot your statement date already 3rd ma,what statement date date actually you ask MBB to change?
cybpsych
post Feb 24 2018, 07:50 PM

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QUOTE(watabakiu @ Feb 24 2018, 06:24 PM)
I have called Maybank to have my statement date revised to 3rd of each month. They say it'll take some 30days to have it effected. I checked my M2U just a while ago, and noticed that my bill statement is not out yet, but the statement date/due date is not yet changed..
[attachmentid=9615735]

But based on the screesnhoot above, got the outstanding amount figure, but no stated minimum amount to pay, and the amount due also?
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laugh.gif

your original statement date already 3rd mah, even you screenshot yourself on 15 Feb.

i assumed your new statement date is NOT on the 3rd, so wait until maybank generate the new statement lor. depends on when you asked, sometimes need 30 days (1 cycle), sometimes it will be immediate/following cycle (e.g. today revised to 8th, new statement would be this coming 8 Mar, not 8 Apr).

Keep monitoring the M2U. the dates displaued wont change now, if i'm not mistaken. it only get updated during statement date. so, u gotta monitor it.
watabakiu
post Feb 24 2018, 10:25 PM

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QUOTE(watabakiu @ Feb 24 2018, 06:24 PM)
I have called Maybank to have my statement date revised to 3rd of each month. They say it'll take some 30days to have it effected. I checked my M2U just a while ago, and noticed that my bill statement is not out yet, but the statement date/due date is not yet changed..
[attachmentid=9615735]

But based on the screesnhoot above, got the outstanding amount figure, but no stated minimum amount to pay, and the amount due also?
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QUOTE(eddievh @ Feb 24 2018, 07:24 PM)
From the screenshot your statement date already 3rd ma,what statement date date actually you ask MBB to change?
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QUOTE(cybpsych @ Feb 24 2018, 07:50 PM)
laugh.gif

your original statement date already 3rd mah, even you screenshot yourself on 15 Feb.

i assumed your new statement date is NOT on the 3rd, so wait until maybank generate the new statement lor. depends on when you asked, sometimes need 30 days (1 cycle), sometimes it will be immediate/following cycle (e.g. today revised to 8th, new statement would be this coming 8 Mar, not 8 Apr).

Keep monitoring the M2U. the dates displaued wont change now, if i'm not mistaken. it only get updated during statement date. so, u gotta monitor it.
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Sorry sorry, I meant that my due date is set to 3rd of each month, not the statement date! Not sure when it will get reflected on M2U
eddievh
post Feb 24 2018, 10:34 PM

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QUOTE(watabakiu @ Feb 24 2018, 10:25 PM)
Sorry sorry, I meant that my due date is set to 3rd of each month, not the statement date! Not sure when it will get reflected on M2U
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You said your salary is out every end of month,so statement date on 3 rd is actually very good timing . Not so?
watabakiu
post Feb 25 2018, 12:13 AM

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QUOTE(eddievh @ Feb 24 2018, 10:34 PM)
You said your salary is out every end of month,so statement date on 3 rd is actually very good timing . Not so?
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Hence why I need the payment due date to be on 3rd, and the statement date to be mid-month. tongue.gif Noe the due date is befoooore my gaji, how to pay le
eddievh
post Feb 25 2018, 05:19 AM

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QUOTE(watabakiu @ Feb 25 2018, 12:13 AM)
Hence why I need the payment due date to be on 3rd, and the statement date to be mid-month.  tongue.gif Noe the due date is befoooore my gaji, how to pay le
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Can pay early ma not necessarily need to pay ngam ngam on due date ma.
cybpsych
post Feb 25 2018, 08:26 AM

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QUOTE(watabakiu @ Feb 24 2018, 10:25 PM)
Sorry sorry, I meant that my due date is set to 3rd of each month, not the statement date! Not sure when it will get reflected on M2U
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with that, i assume you set statement date on 13th or 14th.

wait till next month and see if the statement generated on 13th or 14th lor. the m2u screen will be reflected by then.
granttsb
post Feb 25 2018, 11:04 AM

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In CIMBClicks, I can search for Lazada Credit Card if put income less than 1k, but it will not be able to click into to apply.
Is this normal? Cannot apply it online for Lazada CC?
fruitie
post Feb 25 2018, 11:13 AM

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QUOTE(granttsb @ Feb 25 2018, 11:04 AM)
In CIMBClicks, I can search for Lazada Credit Card if put income less than 1k, but it will not be able to click into to apply.
Is this normal? Cannot apply it online for Lazada CC?
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I thought BNM sets minimum requirement for CC application is 24k p.a.?
ClarenceT
post Feb 25 2018, 11:16 AM

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QUOTE(granttsb @ Feb 25 2018, 11:04 AM)
In CIMBClicks, I can search for Lazada Credit Card if put income less than 1k, but it will not be able to click into to apply.
Is this normal? Cannot apply it online for Lazada CC?
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CiMB Lazada Mastercard is not a credit card. It is a prepaid card. Income is not a requirement.
You go to CIMBclicks to register for another ID+Password, then you "apply" for a Lazada Mastercard and you will get the new card number+expiry+CVV instantly.

This post has been edited by ClarenceT: Feb 25 2018, 11:17 AM
watabakiu
post Feb 25 2018, 11:38 AM

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QUOTE(watabakiu @ Feb 25 2018, 12:13 AM)
Hence why I need the payment due date to be on 3rd, and the statement date to be mid-month.  tongue.gif Noe the due date is befoooore my gaji, how to pay le
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QUOTE(eddievh @ Feb 25 2018, 05:19 AM)
Can pay early ma not necessarily need to pay ngam ngam on due date ma.
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Errr gaji belum masuk nia, and banks don't accept barters!
celee
post Feb 26 2018, 12:34 AM

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Annual income for cc includes allowance/claims? Or we based on the amount that has epf deduction?
fruitie
post Feb 26 2018, 12:38 AM

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QUOTE(celee @ Feb 26 2018, 12:34 AM)
Annual income for cc includes allowance/claims? Or we based on the amount that has epf deduction?
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Fixed income.
Halls1234
post Feb 26 2018, 11:15 AM

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Sifus,

Need some advise,
Previously i cancelled 2 out of 3 of my cc and then after 1 month i tried to apply for HSBC but rejected. Tried to apply hence rejected again. I went to print my CTOS score and its around 700 score. Asked for reason of reject but not given.

I need to use it by mid to end of March for a oversea trip.

I plan to do the following:-
1. Try other banks
but i read that too many rejects will affect my application also it take too long. Average 2 weeks.

2. Call to extend my CL of my remaining CC.
This card CL is only 5k i got it since 12 years ago when i applied with my 1st job.

What you guys suggest or do both same time?
yoonyin
post Feb 26 2018, 01:04 PM

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» Click to show Spoiler - click again to hide... «


Just a quick update for this new TNB apps for bill payment.
1. Yes, you can store multiple credit card for payment. AMEX credit card can be use via this App!
2. You also can use online banking via FPX to make payment too using this App.
cybpsych
post Feb 26 2018, 01:22 PM

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QUOTE(yoonyin @ Feb 26 2018, 01:04 PM)
» Click to show Spoiler - click again to hide... «


Just a quick update for this new TNB apps for bill payment.
1. Yes, you can store multiple credit card for payment. AMEX credit card can be use via this App!
2. You also can use online banking via FPX to make payment too using this App.
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v1.0.2 comes with new feature: pay multiple bills at one go.

meaning, you can choose which account to pay and how much to pay, then it will charge lump-sum amount to your card.
hakkai0810
post Feb 27 2018, 01:51 PM

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just wondering if cc application kena rejected, it will show up on the ccris report? because i check my ccris report, there is no rejection record in the bottom section.

and do we really need to wait for another 6 month before attempt to applying the credit card for that same bank again?

Thanks for the advise
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