Ok, thanks all for the swift replies...

My total balance has been reduced.

Hi all, which bank can i apply credit card via online? How long will it takes? Thanks

Unker flying to China next month, which of the following cards are best for oversea transaction?

CIMB: Enrich plat; Cash Rebate card plat
UOB: One Card
Maybank: Amex Gold
OCBC: GE plat
BOC: UnionPay prepaid

Can anyone provide confirmed advice:

For the restriction of 2 credit cards issuers for those earning between 24K to 36K per annum, does it applies to CC obtained via pledge as well?

https://ringgitplus.com/en/

China's merchant mostly accept only Union Pay card. very seldom you will find a merchant can accept Visa/Master Card outside airport.

There's, in bigger cities like Beijing and Shanghai. I even had no issue using my AmEx there (some merchants) but I cannot use in Chengdu, Chongqing and Yunnan. Anyway, these days I just stick to WeChat Wallet which my China friend working in Malaysia "gave" me in angpau and I paid her back in MYR. Easier this way, can scan my phone all the time and everywhere in China.

Hi all, I've been using Maybank Islamic PETRONAS Ikhwan Visa Gold for a few years. I'm now advised that a replacement card with new CVV requires me to re-register all my insurance and monthly payments to the new credit card details, so i'm now looking around for better offers (since it'll be just as much hassle anyway). I was able to change my CIMB master card with the exact same credit card number, just different security digits last time, maybe things have changed nowadays.

Didn't have a very nice conversation with the last MBB officer so a different bank would be nice. Any card to recommend for someone who doesn't want to pay annual fee, and doesn't mind too much whether to choose treat points or cashback?

PS: I clear my credit card balance almost every month.

This post has been edited by DK82: Mar 17 2018, 06:35 PM

Apply for MBB FCB VS to get cash back for your insurance.

Thanks. Are MBB cards still the only good choices nowadays?

They offer one of the better options.

Want to ask:

I want to cancel one of my credit card, but i still have instalment in that card. So if I go on to cancel it, will I able to cancel the card?

If i can cancel, what will happen to my instalment? Do i need to pay in full (early settlement) or I will still be billed until the instalment period ends (only that i cannot use the card)?

You need to settle the instalment first then only can cancel

Or request for final statement including all balance of instalment then cancel

Card sifu, lets say my credit limit is rm5000 and I wanna swipe 1 item priced rm8000. Before I swipe I fews day before ibg 4k to my card account can that transaction go throught or will get decline? Will I get charge for excess credit limit fee ?

Thanks.

By pre-deposit 4K to the card, you will have 9K CL for your card.
Swiping 8K will be just fine without excess fee.

hi guys,

its my first time applying credit card and it got approved,
i check mb2u says i got 2 card with each credit limit 10k,

Maybank Visa Petronas Gold & Maybank FC Barcelona Visa.

does this credit limit applied to both card (10k/2card)
or seperately (10k/card)

thanks!

Both card combined = 10k.

This post has been edited by chiahau: Mar 23 2018, 09:44 AM

i see, thank you, i have a lot to learn in managing my credit card 🧐

btw since i have maybank petronas visa,
i usually travel by bike, is it possible to swipe if i only pump RM8/transaction at petronas?



This post has been edited by KamisF: Mar 23 2018, 12:03 PM

Go to pump which is furthest to counter so that Bangla not that hark working and sibuk sibuk see us filling up. Yes you can ,pump rm8 with card no problem unless bangla making noise.

thanks for the feedback,
really got bangla making noise ah,
damn troublesome need to hide2 somemore 😭