PBB Visa Signature
PBB Quantum cards
MBB FC Barcelona Visa Signature.

I agree. Personal loan is a more viable solution.

Aeon is good for Balance Transfer of 6 months zero interest promotion. The fact that you mentioned you can commit to repay RM500 per month for a total sum of RM15k makes it not feasible.

only upon renewal.

KUALA LUMPUR (July 19): Service tax on credit or charge cards, which was scrapped when the goods and services tax was implemented back in 2015, has made its way back in the proposed new model for the sales and services tax (SST), which is deemed SST 2.0, that is due to be implemented on Sept 1.

According to the Royal Malaysian Customs website, under the Frequently Asked Questions on Service Tax, the following was stated as Question 35:

Q: Will I be charged RM25 on existing credit or charge card on Sept 1, 2018?

A: The existing effective period of the card will not be subject to service tax of RM25 until the next annual renewal.

In other words, the service tax of RM25 on each credit or charge card that an individual owns will be charged upon renewal of the card.

It should be noted that the amount is less compared to the old service tax model. Under the old service tax model, a service tax of RM50 a year on each principal credit card and charge card, and a service tax of RM25 a year on each supplementary card was implemented.

Under SST 2.0 the RM25 charge will be applied to each credit or charge card, regardless if it is a principal or supplementary card.

then you are the 'lucky' one lah! First to experience SST 2.0

Yes! this fee is for the provision of credit cards. Nothing to do with bank's annual fee.

only credit and charge cards. Anyway, the SST 2.0 is still in proposal stage.

is the score here referring to the CTOS score?
If otherwise, I don't get the question.

well, even if you fill up the form yourself. Once given to the agent, all they have to do is just 'tick', and that's it.

Yes.

It's the same concept as making one lump sum payment in A and spend one lump sum in B.

Do you continue with EPF contribution or have a record of up-to-date EPF contribution?
If otherwise, what supporting documents do you have?

- Latest payslip (not applicable is unemployed)
- EPF
- Income Tax

ask at https://forum.lowyat.net/topic/4161836 will have more effective reply

Unlikely. As EPF statement has contribution both from Employee and Employer. I supposed you can only contribute as either party.
You may consider pledging Fixed Deposit as collateral for the credit card you are interested, though.

Pending verification approval now. Only then can test out all the fees and charges.

Edit: Verification took 15 minutes.

So far what I could see is,

1. Top up max amount = RM1,500
2. Withrawal fee = RM2.00 including GST (didn't say how much can withdraw) and takes up to 10 working days depending on your bank.

This post has been edited by laymank: Sep 25 2018, 11:15 AM

max-ed out my CB cards this month. Will try to reload in the new month cycle to test cashback eligibility.

Thanks for caution me.

Failed for me, too. Not Prepaid friendly.

Lucky Money - I reckon it is somewhat similar to Wechat's 'Red Packet', where you get to allocate a sum and decide how much to give to individuals, or randomly given to a group a people (i.e. your team members, or kids).

I rather think the 'allocated credit limit' to the card will be considered as part of the 'eligible credit' for you as a whole, this will affect your new card/loan application.

Depends on your total eligible credit. Unless you have many credit commitments, i.e. many cards, which took up all the eligible credits, then only application to get loan or new cards will be difficult. This can be easily worked around by reducing credit limit of rarely used credit cards, so that the eligible credit increases. The other way would be - higher income.