https://pay4u.com.my/

3. Is there a fee to use Pay4U service?
Yes. There is a processing fee of RM8 charged for every transaction and service charge as follows:

Credit Card – 1.5%
Debit Card – 1%
Online Banking – RM 1.00

credit card payment = own bank payment. e.g. maybank savings -> maybank cards

fund transfer = to external banks, e.g. mybank savings -> cimb cards

then it works as you intended

maybank SA --> other banks SA/CC

1) scheduled fund transfer (recurring) = YES for fixed amount

2) variable amount = NO, because maybank does not know your cc bill amount every month

info from PBB card thread

no difference.

cc monthly statement is billed once a month (like any of your fiber/postpaid/utilities bill). the Payment Due Date is stated accordingly.

all you need to remember is pay FULL STATEMENT AMOUNT/BALANCE on/before Payment Due Date.

refer illustration above on the statement billing cycle.

you should've said about interest to be incurred on unpaid balance. credit card itself is a debt medium already.

if not mistaken, interest is imposed on all your transactions of the current statement, and on daily basis from each transaction date.

no shortcut way to reduce significantly. must clear ALL to stop the 'bleeding' (interest) ASAP. else, it will keep snowballing.

better get clarification from bank for help.

many of us doesn't want to get slapped with interest at all. all statement must be fully paid, diligently and consistently. if cannot manage, stop using the card temporarily until outstanding is fully cleared.

my guess is, you can apply, but depends on how the 3rd bank view your income, whether "converted" or 1:1.

"most finance website" is the official source of information?

or OCBC's?

nope

yes. follow statement details..... pay FULL STATEMENT BALANCE/AMOUNT by DUE DATE to avoid all interest/charges.

seriously, you SHOULD know what features of these cards, right?

read and study them >> https://www.hlb.com.my/en/personal-banking/...en-home-menu-cc

only you know the answer: do you even need these cards at the first place? helping an agent, you need to keep the cards for few months, usually 6 months.

do you think you have any use of these cards? are you happy just with maybank2card amex/visa? do you need more cards?

because you didnt check the proper topic for HLB cards here >> https://forum.lowyat.net/topic/4012607

search using "sutera" keyword.


what do you think of the Sutera card features? anything useful?

who do the installment? by maybank? --> cashback one-time based on full purchase amount, monthly installment not eligible

installment can be done 2 ways: the store do themselves or they use partner banks (e.g. maybank, cimb, etc)

if partner banks, the respective bank cards to be used (to hold the outstanding)

since you want to use MBB FCB cards, i assume the store is using maybank ezypay (installment program).

if maybank, no cashback for monthly installment. only got cashback for lumpsum payment.


the lumpsum payment will be reserved on your mbb fcb cards (credit limit utilized). 1st installment amount will be immediatelly charged to the card.

subsequent installment amount will be charged on next statement cycle.

try apply from the bank where your pay credited into.

still good for those reloading TNG card at JG



Spend and get cashback at Jaya Grocer Campaign [ OCBC | T&Cs ]
1 March to 31 May 2020

Shop for all your grocery needs at Jaya Grocer with OCBC Credit Cards and stand to get RM15* cashback when you spend a minimum of RM150 in a single receipt.

*RM15 is capped at a one-time cashback per month, per cardmember. First come, first served. From now till 31 May 2020.

not all follow this guideline.

generally, min 2 days, max 3 days. havent seen/encounter 4 days grace period though.

yes. call and ask for the range of dates available.

which bsn plan?