consult the bank. vendor has nothing to do.

but u must clear all outstanding before terminate a card.

u can pay full amout, or u can also BT to another credit 1st then after clear only terminate the previous card.

but do note that most installment plan got penalty for early termination example rm100.

do check it with your bank

hlb ess 1% is only for spending starting on rm7001. the 1st rm7k only get 0.4% (rm28)

if the place u want to spend can use amex, go for amex cash back gold card. also 1% unlimited (while for oversea is 1.5%) but got annual fee on 2nd year
https://www.maybank2u.com.my/WebBank/GRCC-CashBack-TnC.pdf

another option is alliance younique rebates. first 3 years annual fee waived, thereafter same as hlb, waived with a minimum swipe 12x/year
https://www.alliancebank.com.my/Alliance/me...S-CC-Credit.pdf

if ur spending is below rm2.5k, better go for maybank barcelona 2%
https://www.maybank2u.com.my/iwov-resources...reCBack_TNC.pdf



This post has been edited by erry-: Jan 16 2019, 05:40 PM

1. look at STATEMENT balance

2. yes possible. call your bank and ask about flexi payment. some bank such as hlb and std chart can convert to installment plan via online banking (self-service)

3. unable to pay statement on time got 2 scenarios;

a. unable to pay full, but still pay min payment or higher = no late payment fee. but got interest
b. unable to pay any amount at all = will get late payment fee.

late payment fee is chargeable if no payment received at all after due date. usually 1st statement will be NIL.
some cashback card, the cashback from previous statement/month is higher than min payment, thus it also will make late payment NIL.

hlb is 0% for 12 months

promo till 30 june.

https://www.hlb.com.my/en/personal-banking/...mpaign-tnc.html

not related with the successful rate.

i have many cards w/o having the bank savings acc

This post has been edited by erry-: Oct 24 2023, 08:58 PM

yes for 2&3. Example hlb wise, u can straight topup ewallet 500 on weekend, so u hit the min spend requirement to get 8%, but max cashback is just rm15 (assume u didnt spend on other categories)

u mentioned from shopee, which is ONLINE, not swipe. So its 3% max either rm30 or rm50, based on previous statement balance. while pbe-i max just rm30 and amex 2 card rm50.



This post has been edited by erry-: Feb 18 2024, 10:46 PM

for hlb, u can apply via FD. my broinlaw successfully did that.

https://www.hlb.com.my/en/personal-banking/...ed-deposit.html

shopee installment can get cashback for pbe-i

while for pbe VS, min monthly must >100. Example 1200 installment for 6 months, monthly will be 200 and will get 3% cashback for 6 months

mathematically, topup shopeepay using pbe-i and affin will get u rm30 + rm30 so total will be rm60 which is higher than amex rm50. but shopeepay max topup is rm4999 so if u want to pay rm5k item then cannot use shopeepay, unless got voucher that can reduced total to be below rm4999

This post has been edited by erry-: Feb 18 2024, 11:16 PM

correct

dont confuse urself.

online dont related with that 250 transaction, thats OFFLINE swipe.

so pay 1k with affin duo visa still get 3%
and yes 1k with pbe vs also get 3%

amex still give cashback on weekend for petrol.

while for utilities, to get the amex weekend cashback, pay via "other" website, example pay syabas or indah water via lazada, and pay using amex

---

btw for tng and utilities - PBE VS and PBE-i visa still give cashback to both (reload tng ewallet / pay utilities online)

This post has been edited by erry-: Mar 25 2024, 11:12 AM

u can simply apply using mykad of ur dad or ur son then just pass the card to ur grandfather in law to use

well he asking to apply supp line to grandfather in law. thats 1 of the way.

even my supp card under my wife name also i just give my mom to use (at least, female name at the card).