Hi Guys,

I have questions regarding the credit card payment. This is my first time using a credit card here so I really need to understand this. sweat.gif

My statement date is 20th of October
My due date is 11th of November

When I received my salary on the end of last month, I already paid the statement balance. Not exactly the same amount but few RM more.
But until today when I check online, the minimum payment section already revert back to RM0.00 but my statement balance remain the same.

However, the outstanding balance has been deducted. Why the statament balance is not changing? Should it be RM0.00 after I already paid it?

Hi guys, if the college do not support installments.  Can I pay the fee with a CC then do a balance transfer within 15 days to another CC and convert it into installment with 0% interest? Any other charges?

why not?

Hi Mr

Can I know how to get cb for maxis bill with m2card amex?
As I walk in maxis store, and maxis online also doesnt accept AMEX

if my credit card billig date is on 8th, does it include expenses charged on 8th as well? or it will depend on when the merchant post it, i.e. posting date?

thanks! so chances are i could be charging the card earlier, like on 7th, 6th, or even 5th but if dont matter until after the merchant posts it.

Speaking of posting, it means 'settlement' right? the procedures you do on the terminal

my card payment due is 31 July. i made full payment on 1 Aug, and HLB charged me late payment penalty and interest. i appealed, but HLB only waived late payment charge, and interest charge cannot be waived. they refused to reverse interest charge although i appealed for second time.

i heard some where in credit card related forum (few years back) that BNM ordered banks to give grace period of few days before they can charge interest. is it true ? can someone enlighten me on this before i make an official complaint to BNM ?

If my ccard statement date is on 3rd of the month, and I want my purchase to reflect on next month's statement, should I buy it on 3rd or the day after (4th)?

I have just activate my renewed credit card.

Do I need to update the new expiry date for my recurring payment, e.g. insurance, phones, UNIFI, etc?

Or will the system update automatically?

Hey guys, I have a important question.

I want to make a purchase of RM10k, but my credit limit is only RM5k.

Is it possible I prior debit RM5k-RM10k into my credit card, and make the purchase more than my credit limit (RM10k)?

what is the best option/cc to pay TNB bill?

thank you some CB card like FCB does not give big pay anymore cash back....

any others beside MBB FCB, Ambank True and PB Visa Quantum?

I'm not sure if there is directive from BNM to abolish this grace period but somehow i can see few banks already start to impose late fee + interest even you exceed 1 day from the due date. Because of that it will be better to pay before or at least on the due date to avoid hassle later. Some banks even not entertain for any late and/ interest waiver.

the newest one OCBC bank, previously that I know HLB bank and Maybank

Need all sifu advice and opinion

I have 8 credit cards in total (but I do not have CC debts, I controlled my spending and paid on time). Which one should I cancel? I planned to hold 3 cards only.

1. Maybank 2 Cards Gold
- This is my first credit card. No annual fee. It was worth it until MYB announced no 5% CB on utilities and petrol. In the past days, I could earn 5% + 5 points during the weekend. And I pay off my bill during the weekend to maximize the 5% CB per month.

2. Standard Chartered 360 Rewards
- No annual fee. Tied to my privilege savers account to earn an additional 1.5% rate p.a. and 5000 Points p/m if spend up to 1.5k per month on this card. Additional earn 5x points on retail & oversea spending. Currently, all my utilities and recurring transactions pay using this card.

3. UOB One Card
- Mainly for Groceries and Petrol spending.
- Petrol 5% CB on the weekend, Groceries 2% on weekend for the selected supermarket.
- Additional 8% weekend uncapped on movie ticket
- Grab cashback on weekend 10%, weekday 5%, promotion ends this month.
- Can waive SST & annual fee, but have to call in.
- Am quite happy with UOB CS.

4. UOB Yolo Card
- Online & dining shopping cashback
- 8 % CB all day spending on online shopping and dining (16 transactions and above per month)
- 5 % CB all day spending on online shopping and dining (8 - 16 transactions per month)
- Can waive SST & annual fee, but have to call in.
- Grab cashback on weekend 10%, weekday 5%, promotion ends this month.
- Looks attractive but it just encourages you to spend more money.
- Am quite happy with UOB CS.

5. UOB Ladies Card
- It comes with UOB One card and Privi Miles. Kinda like a 3-in-1 package. I planned to cancel this as I can use Maybank Amex to get points/ cashback.
- Can waive SST & annual fee, but have to call in.
- Am quite happy with UOB CS.
6. HSBC Visa Signature
- Applied because of the RM500 Lazada voucher promotion & airport premium lounge access
- Annual fee waived when there is at least 1 transaction each month.
- Point earning, nothing else special.

7. HSBC Amanah Card
- Quite useless cashback card because of the high cashback only will be given when you spend above 2k.
- Applied because of the RM500 Lazada voucher promotion.
- - Annual fee waived when there is at least 1 transaction each month.
Which one is worth to hold?

Recommend best cash back cc ?

Mainly spend on petrol and about average RM2k/month local

Possible for me to have both conventional and Islamic card accounts at the same time?

I see. Thanks for your clarification. Understand from the Maybank Ikhwan, i thought we can’t hold both conventional and Islamic credit card as some sifu asked to ask for credit splitting from conventional account if I am intended to apply for Islamic credit card. However, my application doesn’t go through and thought it is not possible to hold both types of account.

so how can i reset this? need to pay full outstanding?