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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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UncleShid
post Aug 13 2020, 10:24 PM

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QUOTE(GrumpyNooby @ Aug 13 2020, 09:56 PM)
Buy a CTOS Score report. It may tell you some answer.
My guess could be high debt servicing ratio but I might be wrong.
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I'll have a look at that CTOS record.. For DSR, after car loan deduction, still have 3K..
GrumpyNooby
post Aug 13 2020, 10:30 PM

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QUOTE(UncleShid @ Aug 13 2020, 10:24 PM)
I'll have a look at  that CTOS record.. For DSR, after car loan deduction, still have 3K..
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Some bank form will require to fill two types of info in order preliminary assess your DSR.
First is loan-related commitment and second is fixed recurring non-loan related commitment.

Not sure about Maybank form.

This post has been edited by GrumpyNooby: Aug 13 2020, 10:30 PM
UncleShid
post Aug 13 2020, 10:45 PM

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QUOTE(GrumpyNooby @ Aug 13 2020, 10:30 PM)
Some bank form will require to fill two types of info in order preliminary assess your DSR.
First is loan-related commitment and second is fixed recurring non-loan related commitment.

Not sure about Maybank form.
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Maybank i only filled up basic applications form with the PDPA and FATCA form...

btw i just bought the CTOS repot, score at 700..
Human Nature
post Aug 14 2020, 12:24 AM

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QUOTE(UncleShid @ Aug 13 2020, 09:34 PM)
Hi, would like to ask about yalls opinion about credit card application.

I tried to apply my first cc which is Maybank Sopi card one with Maybank but rejected. I have car loan with mbb also, everymonth never miss payment. Monthly income 4k and already work for 22 years. loan only car, no other loan.

why ah meibenk reject my application?

Thank you for your reply~
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Maybe try to approach the MMB staff who handled your hire purchase and see if he/she can assist.
eddievh
post Aug 14 2020, 04:08 PM

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Generally,on weekdays mbb Barcelona vs mbb2amex which card got higher rebate values? Last time Barcelona 2% but now 1%, mbb2 amex weekdays is equivalent to roughly how many % tage?
yongs90
post Aug 16 2020, 05:30 PM

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What is the cooling period after you cancelled a card/got rejected before can reapply?
cybpsych
post Aug 16 2020, 06:17 PM

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QUOTE(yongs90 @ Aug 16 2020, 05:30 PM)
What is the cooling period after you cancelled a card/got rejected before can reapply?
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generally, 3-6 months
watabakiu
post Aug 18 2020, 11:43 PM

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Help me understand this pls..

Current outstanding: 6k
Minimum amount to pay: 1k
Statement date: 18th

So when the statement comes out in 18/8, & i pay only the minimum, so by 18/9 still outstanding 5k. what happens to the new transactions made on 19/ to the card? straight kena interest?
eddievh
post Aug 19 2020, 12:04 AM

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QUOTE(watabakiu @ Aug 18 2020, 11:43 PM)
Help me understand this pls..

Current outstanding: 6k
Minimum amount to pay: 1k
Statement date: 18th

So when the statement comes out in 18/8, & i pay only the minimum, so by 18/9 still outstanding 5k. what happens to the new transactions made on 19/ to the card? straight kena interest?
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Yes lor of course lor
watabakiu
post Aug 19 2020, 12:11 AM

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QUOTE(eddievh @ Aug 19 2020, 12:04 AM)
Yes lor of course lor
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Only new transactions made after the next billing date, yes?
eddievh
post Aug 19 2020, 12:14 AM

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QUOTE(watabakiu @ Aug 19 2020, 12:11 AM)
Only new transactions made after the next billing date, yes?
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Your 5k outstanding and new posted transactions all will kena interest.
watabakiu
post Aug 19 2020, 01:25 AM

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QUOTE(eddievh @ Aug 19 2020, 12:14 AM)
Your 5k outstanding and new posted transactions all will kena interest.
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uff brutal
ongonglai89
post Aug 19 2020, 09:11 AM

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QUOTE(watabakiu @ Aug 19 2020, 12:43 AM)
Help me understand this pls..

Current outstanding: 6k
Minimum amount to pay: 1k
Statement date: 18th

So when the statement comes out in 18/8, & i pay only the minimum, so by 18/9 still outstanding 5k. what happens to the new transactions made on 19/ to the card? straight kena interest?
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Paying minimum only to avoid late charge. But you still owning ma. of coz kena daily interest lo.

Late charge & interest are totally different things.
fruitie
post Aug 19 2020, 01:08 PM

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QUOTE(watabakiu @ Aug 19 2020, 01:25 AM)
uff brutal
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laugh.gif Nobody asks you to use CC and pay minimum. That's how banks earn money.
miyakochan89
post Aug 19 2020, 03:42 PM

Wut?
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now what's the best cc to reload e-wallets?
Like shopee pay?
Human Nature
post Aug 19 2020, 04:20 PM

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QUOTE(miyakochan89 @ Aug 19 2020, 03:42 PM)
now what's the best cc to reload e-wallets?
Like shopee pay?
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Public bank vs or quantum mastercard
pluginbaby
post Aug 19 2020, 10:16 PM

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QUOTE(watabakiu @ Aug 19 2020, 01:25 AM)
uff brutal
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That's why either pay full, opt for instalment or convert to EPP if available. At least it is not overdue
watabakiu
post Aug 20 2020, 09:44 PM

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QUOTE(ongonglai89 @ Aug 19 2020, 09:11 AM)
Paying minimum only to avoid late charge. But you still owning ma. of coz kena daily interest lo.

Late charge & interest are totally different things.
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daily interest summore??? brutal
fruitie
post Aug 21 2020, 12:32 AM

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QUOTE(watabakiu @ Aug 20 2020, 09:44 PM)
daily interest summore??? brutal
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Maybe debit cards suit you better, no interest. Spend only within your balance.
Raymond T.
post Aug 21 2020, 10:03 PM

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Anyone applied for ICBC CC in Malaysia ?
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