self contribution, not for company

no major issue except SST might be charged even without activation and recorded in your ccris record.

of course you can cancel it anytime, even after receiving the card, or even after receiving activation sms (without card on-hand).

best practice, dont leave the card unactivated. what's the point doing that?

depends what type of BT.

if the BT is charged into CC, then all the statement balance (spending, BT installment) will face same interest treatment (because the installement is just a charge in the cc, just like any spending charges).

post at general thread, dont open new topic.


for autobilling, it depends on how the autobillingis setup by the merchant. usually 2 ways: by merchant or by bank (thru merchant).

you need to contact each merchant and ask.


even if you simply cancel the card, the CS may ask you whether u have any autobilling charged to the card. they will know, they need you to make the ncessary arrangement with the respective providers/merchants to cancel it before card cancellation happens.

if you dont, card cancelled but autobilling still works, and keeps failing. you may forgotten this in following months, bill payments not paid, penalty (if any), etc etc

yep can.

already replied above: you need to contact each merchant and ask.

please go ahead.

your wording "cashing out from the same credit card" = cash advance from credit card --- comes with a fee

credit card -> bigpay = spending
bigpay -> atm = withdrawal/cashing out, it has nothing to do with credit card anymore

"Withdraw 10k from BigPay thru ATM machine" --- so far not possible to withdraw 10k one-shot. atm has limit to the amount of notes inside. most tried 4k per withdrawal + RM6 per withdrawal free

alexwsk already replied above. as long as your cc statement is cleared EACH month in FULL, credit scoring wont be impacted.

unbilled outstanding (your "another 10k" but not yet statement-ed), will be tracked later once statement is out and new DUE DATE is to be observed again. pay in full, clear. lapse in payment, good luck.

as long as you reported it immediately, should be fine.

the fraud transaction is actually in floating status, so not yet charged to your card. bankj can flag it as fraud and block it from going through (fraud merchant tries to claim the transaction and get the money)

bank will cancel your card and replace with another. just wait for a new card and you're good to go.

DO NOT wait for few days to report fraud transactions, cuz once the fraud transaction goes thru and posted in your credit card account, you will have to fill up the dispute form to reverse the charge (tedious and takes long time).

feel free to contact mod

just call would do

make sure they terminate the card completely, not suspension.

all installments for A + B + C are being charged into your cc on statement date. you cannot choose which installment to pay off because you need to pay the whole statement amount/balance.

alternatively, do early settlement for either A, B, or C, or any combination that suits you.

as i wrote, do early settlement la. it's the same as you described.

1) where do you intend to pay?
2) have you checked whether cc is accepted?

may and aug only. the remaining months are rm50 cb @ 2%.

since you didn't put any preference...

can try ocbc cards or mbb amex gold 1% unlimited cashback

withdrawal from atm is a feature

why not?

just may and aug only. the remaining months are rm50 cb @ 2%.

no need quote me. i'm aware of that.

1) fresh fund is for promo FD. pledging for cc, you only need to place for board rate only, so fresh fund not necessary required.

2) pledged fd amount = credit limit, 1:1

3) interest/profit is yours. it's just normal FD placement. just the FD is tied to cc, so you cannot uplift it until the cc is canceled.