Can we request to temporary deactivate my cc so that i dont need to pay annual fee for that card?

I am going oversea for few years so will not use the card, but dun feel like want to permanently cancel the card.

The card is hlb mach. Since i am noy using the card, cannot fulfill 12 swipe per year.

This post has been edited by edwardccg: May 16 2017, 07:51 PM

Hmm. Why don't cancel it first and apply back later? I don't think you can deactivate it.

There isn't exactly a deactivate function. I called cs on this before. For stolen cards, it's usually blocked, replaced with new number.

Easier to just cancel

Just want to avoid the hassle to reapply since need to accumulate another 3 month payslip for that.

Guess cancel is thes only choice than. Thanks

After a long procrastination, I called OCBC to cancel my useless OCBC GE which I have stopped using since the cash back was removed. Nothing to miss about this card at all except for the high CL.

That said, useless cards are meant to be cancelled.

i have a hl mach card too. i have stopped using it for a while but not going to cancel the card as hlb is the only bank willing to give me a unsecured credit card. to me, swiping rm1 x 12 isn't too difficult.

Hi, may i know whether the credit card application would be subjected to my DSR/CCRIS records?

This is because I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I have two other credit cards, but I have been paying my credit cards bills and all other relevant loans in full. I just wish to get another card to fit my requirements so that I can maximise my savings. Appreciate the feedback..

How do they determine how much credit you're allowed when applying for new credit cards?

Yes, banks will use those as basis.

It's by banks' discretion. Usually starts from around 2x salary.

Hi, is there any maximum cc limit to hold? Because I read some cardholder's comments failed to apply some cards due to holding many cc even though annual income more than RM36k.

Thanks.

No maximum amount of cards can be held if annual income is more than 36k. It's up to the banks to approve or not, many factors that are affecting. One of the famous reasons is PTPTN loan.

Reduce the CL of current two cards

Hi,

I was searching for how to pay credit card with PTPTN and Aeon Installment(recently bought phone) to earn cash back.

I am using Essential Hong Leong Bank credit card. Any advise?

Thank you.

PTPTN = MBB 2 AMEX - Weekends only. Confirmed to have CB for now.

I am not sure whether UOB YOLO offers this or not.

Aeon installment is a debt on it's own. For installments, you can't pay using CC. Unless you were saying the installment was tied to your Aeon card. Then you can opt for 0% Balance Transfer.

Noted and thanks. Kindly advise the way to pay PTPTN by credit card I wonder if my Essential will give cash back on that. Not sure if it is the right place to ask here.

Login to your Penyata Baki and pay from there.

Hi. I have owned credit cards for a few years but never actually understood how the interest is calculated.

From Maybank website, they say that they charge it based on the 12 previous month repayment habit. Does it mean on the 13th month's balance itself, they start to charge the monthly interest?

No late payment, no short payment then no interest.

What If for 12 months, we just pay minimum payment. So the interest is calculated at the end of 13th month correct?