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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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Human Nature
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 Jan 7 2019, 11:52 PM
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QUOTE(moonsatelite @ Jan 7 2019, 11:13 PM) Which is the supplementary card that you're holding is from that will record late payments under your own name instead of it be under the principals name? QUOTE(fruitie @ Jan 7 2019, 11:17 PM) I have a SCB supplementary card from my sister but I didn't see it under my CCRIS though.  QUOTE(soundworks @ Jan 7 2019, 11:43 PM) Seems to be conflicting answers. Anyone who has a clear answer to this? Sorry! My mistake. I read it as the opposite. To clarify, it will be tied to principal holder ccris |
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Human Nature
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Jan 8 2019, 08:50 PM
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QUOTE(incredibless @ Jan 8 2019, 08:13 PM) Meaning to say if i supp for my partner. Then the additional card will appear in ccris system? As two cards under one bank? So let say if i apply for new loan or card will affect the decision of the bank? Is it rite? More cards higher risk? Yes, will appear in CCRIS but under one credit limit. Since it shares the same credit limit, will have little or zero effect. QUOTE(moonsatelite @ Jan 8 2019, 08:22 PM) My experience is with Citibank, I hold a supplementary card from my mom before and I have access to her CCRIS. My card does not appear on her CCRIS, so I assume that it is consolidated under the principal account or Citibank does not bother to list Supplementary cards under CCRIS. I have no experience with other banks, it may differ. It should appear as it has its own credit card number. Would be interesting if it is really the case for citibank |
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Human Nature
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Apr 29 2019, 11:08 PM
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QUOTE(realitec @ Apr 29 2019, 04:23 PM) What is the salary required for RM10k credit limit? I understand if salary is below 3k, we will be getting 2x or 1.5x or salary, what about if reached RM3k? still depends on the bank. in general 2x-4x. |
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Human Nature
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May 1 2019, 10:28 AM
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For income tax payment using credit card, can I make split payment using credit card ie. using two different cards? 0.80% fee is charged based on the amount right?
See if can maximise cash back..
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Human Nature
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May 7 2019, 06:47 PM
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QUOTE(heliozguard @ May 7 2019, 04:26 PM) I just applied for bunch of card at the same time thru on site booth. They applied 6 card or so for me. Will this effect my records ? as the agent told me the rejection record will be deleted after a month and of course approval will appear on my ccris with credit limit. Is this true ? What are the chances all of my application got approved??lol which bank and booth location? |
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Human Nature
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May 14 2019, 04:45 PM
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Can a supp card holder contact the bank to terminate the card or it has to be from the principal?
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Human Nature
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Jun 1 2019, 08:33 PM
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QUOTE(Pain4UrsinZ @ Jun 1 2019, 08:14 PM) i have 3 unauthorized transactions on my CIMB master card for facebook ads about 800 ringgits in total, already requested for card replacement. is it possible for me to get back the money ? still i need to pay the due sum? file a dispute |
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Human Nature
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Jun 1 2019, 10:27 PM
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QUOTE(Pain4UrsinZ @ Jun 1 2019, 10:24 PM) how to file, what the customer service told me is they are investigating on this issue, will revert after 60 days, is this consider dispute filed ? Different bank different procedure. Some require to submit a dispute form. No idea about cimb. I suggest you to note down the date and time of your call for future reference. |
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Human Nature
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Jun 3 2019, 01:23 PM
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QUOTE(yahiko @ Jun 3 2019, 12:37 PM) hey guys~ which card have the high cash back cap? what i learn so far is MBB cap RM100 SC JustOne cap RM85 Any others? usage about 3K per month which MBB has a cap at RM100? |
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Human Nature
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Jun 10 2019, 02:29 PM
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Do we need to have at least RM200 in store if we use a debit card to pay for petrol? Or basically it will straight away deduct the amount from the debit card? thanks
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Human Nature
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Jun 10 2019, 03:51 PM
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QUOTE(ClarenceT @ Jun 10 2019, 03:40 PM) No need but exact amount, you cannot ask for full-tank then pay/adjust later. I mean, is there such thing as the pre-authorization thingy if pay at the pump? |
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Human Nature
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Jun 10 2019, 03:54 PM
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QUOTE(widget @ Jun 10 2019, 03:52 PM) Most of the banks will set aside the RM200 when we swipe the debit card to pump full tank for petrol but IIRC, Maybank recently has move away from this and will straight away deduct the actual amount. I could be wrong though as I only glanced through the email from Maybank during the Raya holiday okay thanks, so it's the same as credit cards |
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Human Nature
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Jun 11 2019, 02:18 AM
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QUOTE(Croner @ Jun 11 2019, 12:59 AM) Does having too much credit card a bad things? Will it hurt our ccris score or something? I currently owned 3 cc, incoming 2 more, have some good document support, have a thought to try to apply all available credit card (free annual fees) as an backup in case i need huge money to invest or whatever, is that a good idea? Don't forget there is SST to pay too. What do you mean by in case you need huge money to invest? |
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Human Nature
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Jul 7 2019, 08:18 PM
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QUOTE(ukume @ Jul 7 2019, 01:53 PM) how do i increase my chance for bank to approve cc application. I applied for SC JOP through online (im interested in Boost CB as i use Boost more) but they reject me. A friend told me most bank (except maybank) will reject cuz i do not have any credit score or loan, nor any accounts with them. I'm a maybank user but i dont prefer their cc. *Minimum Annual Income is not issue QUOTE(myteam94 @ Jul 7 2019, 08:05 PM) same here. this is my 2nd rejection from Citibank I applied Citibank Clear Card everything is okay i've already check my credit score is good  is there any other way to increase my change for their approval. Some general tips: - Provide more supporting income documents. - Request for a low credit limit say 10k. You may request to increase it later on after using for several months and show that you are a good pay master. |
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Human Nature
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Jul 8 2019, 12:11 AM
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QUOTE(myteam94 @ Jul 7 2019, 11:32 PM) they only check my KWSP Initial credit limit was below 10K (i think 5K) Because they registered thru citi online registration Immediately got response, sorry you are not eligible (or something like that) 😅 No other method to apply? |
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Human Nature
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Jul 17 2019, 08:04 PM
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QUOTE(rangeseven @ Jul 17 2019, 07:47 PM) my house loan officer submitted me 2 credit card application for cimb without my knowledge. Now i just received 2 credit card. Without activation, I called to cancel those 2 credit card CIMB Cash Rebate Platinum MasterCard CIMB Platinum MasterCard Question: When i look at the T&C for both cards, it says RM25 SST upon approval and every anniversary. Does this mean i already kena charge RM50 for 2 cards?   Yes, report to bank negara if you can prove that it was done without your permission or knowledge This post has been edited by Human Nature: Jul 17 2019, 08:07 PM |
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Human Nature
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Jul 17 2019, 09:26 PM
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QUOTE(rangeseven @ Jul 17 2019, 09:12 PM) oh man... i wished it shouldn't have to come to this. will report to bank negara thanks for advice simple stuff, just send an email and explain the situation and what is the outcome that you want. Eg, to withdraw the card issuance and that you dont have to pay the SST. Let the bank follow up. |
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Human Nature
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Jul 24 2019, 07:51 PM
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QUOTE(cybpsych @ Jul 24 2019, 12:16 PM) no idea  dont know if it's credit or debit card still.  Finally it's revealed: A visa signature 3% Cash Back. Every Tap Enjoy 3% cash back on all contactless transactions*, capped at RM80 per month *excluding government services and charity transaction AFFIN Rewards Earn 1X AFFIN Rewards Point for every RM1 PIN based and Card-Not-Present transaction spent** ** Refers to e-commerce, mail order telephone order, recurring and standing instruction https://www.affinonline.com/tap_for_cash_ba...JMpTPzFv3DuhI7UNot bad i'd say, can compete with MBB VS. Anyone interested to start a thread on this? |
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Human Nature
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Jul 24 2019, 08:52 PM
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Yes, it's for all except gov and charity.
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Human Nature
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Jul 24 2019, 09:04 PM
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QUOTE(cybpsych @ Jul 24 2019, 09:00 PM) little annoyance is the contactless limit (not the rm250 per transaction limit). need to do a reset via pin, so this one will not get cashback. i thought it will reset automatically each day? |
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