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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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TSalexwsk
post Dec 15 2021, 10:17 AM

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QUOTE(watabakiu @ Dec 12 2021, 09:55 PM)
I have a card that is expiring soon. On the account balance and the IPP I made, will I have to pay it lump sum? Or it will be transferred to the new card?
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transfer to new card, it will have the same number anyway
TSalexwsk
post Dec 16 2021, 10:45 AM

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QUOTE(watabakiu @ Dec 16 2021, 10:26 AM)
glad to know! and all along didnt know new card will have same number. So only the expiry date change?
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yes, and the CVV number as well
unless the renewal card went missing and did not reach your address, then a new number will be issued - this happenned to my UOB card twice ranting.gif vmad.gif mad.gif

This post has been edited by alexwsk: Dec 16 2021, 10:46 AM
TSalexwsk
post Jan 2 2022, 12:05 AM

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QUOTE(watabakiu @ Jan 2 2022, 12:02 AM)
good news. So for difff cards, will have diff credit limits? Or combined limits?
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normally combined, unless one is conventional the other is islamic
TSalexwsk
post Sep 3 2022, 03:58 PM

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QUOTE(thr0w.thr3w @ Sep 3 2022, 08:27 AM)
If I apply Maybank credit card online, approved then proceed delivery. Can it be delivered to my office instead of house address? Nobody at house leh, heard maildrop also discontinue now.
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can, just make sure to indicate your mailing address as office address
TSalexwsk
post Sep 10 2022, 07:30 PM

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QUOTE(thr0w.thr3w @ Sep 4 2022, 08:23 AM)
Oh, so this is just the card delivery mailing address right? Separate from the statementkmailing address, etc?
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normally it's the same address
i don't think they allow you to fill in multiple addresses
TSalexwsk
post Sep 17 2022, 03:48 PM

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QUOTE(ICDeadPeople @ Sep 16 2022, 07:09 PM)
Strange... I just received another cc from citi with cl of 150k. Feels like citi is more lenient than mbb.
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all your cc limit will be total up when banks evaluating
since you just added 150k, so mbb might not feel secure to grant you more
i suggest you reduce the limit from whatever cc that you are not using then try again
TSalexwsk
post Apr 30 2023, 02:05 PM

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QUOTE(tlc7 @ Apr 29 2023, 12:43 PM)
Alliance?
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i thk he meant working for smaller company, not smaller banks
TSalexwsk
post Oct 29 2023, 07:00 PM

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QUOTE(Lonelybird @ Oct 29 2023, 05:53 PM)
Thank you for the explanation.

Let say if i withdraw RM1000 and pay it back after 10 days.

Rm1000 + RM50(withdraw fee) = RM1050

RM1050 x 1.5% =RM15.75 /30 =0.525 x 10 days = RM5.25

Total RM1050 +RM5.25 = RM 1055.25

Is this correct?
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provided you have no outstanding before you withdraw, else those outstanding will also incurred interest
just reload to certain e-wallets and withdraw to bank, but don't overdo it yea, risk of getting banned by e-wallet

This post has been edited by alexwsk: Oct 29 2023, 07:01 PM
TSalexwsk
post May 11 2024, 04:02 PM

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QUOTE(BenChiew @ May 11 2024, 03:07 PM)
Has anyone experienced a bank lowering the CL if the utilisation is not frequent?
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so far no, they only lowered the CL if i explicitly requested to


This post has been edited by alexwsk: May 12 2024, 10:57 AM
TSalexwsk
post Oct 12 2025, 01:22 PM

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QUOTE(cybpsych @ Oct 11 2025, 02:08 PM)
yah damn annoying.

no manual form too , online submission unattended

yesterday I called them an escalated due to no response for 1week+ (per their initial advise)

now they submitted report for internal escalation and follow-up
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yea, just noticed recommended in the map website but nothing in CCRIS

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