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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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realitec
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 Oct 14 2017, 09:18 PM
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QUOTE(moonsatelite @ Oct 14 2017, 08:01 PM) Citation from The Sun Daily Malaysia: “On merchants who require a minimum purchase amount before a customer can pay with a credit card or those who impose a surcharge, Tan said consumers can lodge a complaint with BNM.” *Tan = Mr. Tan Nyat Chuan Payments System Director of BNM Citation Source: http://www.thesundaily.my/news/2017/04/13/...on-number-cardsThis is very helpful. Thank you. |
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theberry
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Oct 14 2017, 10:28 PM
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hi guys, wanna sign up for new credit card? is it better to apply thru ringgitplus or apply directly through bank.
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cybpsych
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Oct 15 2017, 07:23 AM
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QUOTE(theberry @ Oct 14 2017, 10:28 PM) hi guys, wanna sign up for new credit card? is it better to apply thru ringgitplus or apply directly through bank. direct thru bank is already the better choice. |
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theberry
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Oct 15 2017, 12:00 PM
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QUOTE(cybpsych @ Oct 15 2017, 07:23 AM) direct thru bank is already the better choice.  |
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-Aktan-
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Oct 15 2017, 12:52 PM
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Wanna apply ikhwan for 5% petrol and groceries
The guy recommend 2 cards amex visa i pening???
He said amex 2 cards can 5% CB for ALL spending, ikhwan only groceries and petrol
This post has been edited by -Aktan-: Oct 15 2017, 12:53 PM
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theberry
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Oct 15 2017, 12:58 PM
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QUOTE(-Aktan- @ Oct 15 2017, 12:52 PM) Wanna apply ikhwan for 5% petrol and groceries The guy recommend 2 cards amex visa i pening??? He said amex 2 cards can 5% CB for ALL spending, ikhwan only groceries and petrol Petronas accept amex |
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strawsticks
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Oct 15 2017, 05:04 PM
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Getting Started
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QUOTE(cybpsych @ Oct 15 2017, 07:23 AM) direct thru bank is already the better choice. Hi, can I know why this is so? I thought Ringgitplus always offers all sorts of attractive gifts/rewards upon sign up  |
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cybpsych
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Oct 15 2017, 05:17 PM
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QUOTE(strawsticks @ Oct 15 2017, 05:04 PM) Hi, can I know why this is so? I thought Ringgitplus always offers all sorts of attractive gifts/rewards upon sign up the question was which option is better, so direct from bank is better. if u hunting for gifts, then RP. but get ready to wait or angry or annoyed if they process it very very long. some ppl paranoid to submit info thru RP as well. |
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fruitie
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Oct 15 2017, 05:19 PM
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Rise and Shine
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QUOTE(strawsticks @ Oct 15 2017, 05:04 PM) Hi, can I know why this is so? I thought Ringgitplus always offers all sorts of attractive gifts/rewards upon sign up Your information is shared to third party. Applying via Card Centre is usually faster, so you can use earlier. That said, my recent two cards were applied via RP, others still via banks. |
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-Aktan-
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Oct 15 2017, 09:55 PM
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QUOTE(theberry @ Oct 15 2017, 12:58 PM) Meaning if I pump Petron, no 5% cashback?? Kena con by credit card conman again. Fk. |
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theberry
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Oct 15 2017, 10:42 PM
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QUOTE(-Aktan- @ Oct 15 2017, 09:55 PM) Meaning if I pump Petron, no 5% cashback?? Kena con by credit card conman again. Fk. as long as they accept amex and there will be cashback/. |
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Vincentccw
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Oct 17 2017, 02:52 PM
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Hey guys I wanna cut my credit card and I have a good credit history using that card. If I wanna apply loan in future will all my credit history still there after I terminate my card?
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SzeMeng76
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Oct 17 2017, 03:10 PM
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QUOTE(Vincentccw @ Oct 17 2017, 02:52 PM) Hey guys I wanna cut my credit card and I have a good credit history using that card. If I wanna apply loan in future will all my credit history still there after I terminate my card? No. No credit history after u cancelled that card. The record will also delete from CCRIS after u cancel. This post has been edited by SzeMeng76: Oct 17 2017, 03:10 PM |
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Vincentccw
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Oct 17 2017, 03:23 PM
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QUOTE(SzeMeng76 @ Oct 17 2017, 03:10 PM) No. No credit history after u cancelled that card. The record will also delete from CCRIS after u cancel. oh no, then I might as well keep the card then. |
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vinn
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Oct 17 2017, 04:53 PM
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Getting Started
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total of cl from credit cards will affect new card application?
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SzeMeng76
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Oct 17 2017, 04:56 PM
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QUOTE(vinn @ Oct 17 2017, 04:53 PM) total of cl from credit cards will affect new card application? Probably yes, which aligned with your total income. If you have the maximum credit limit which you should have with your current income, perhaps others bank unable to approve ur application anymore. |
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giant.1989
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Oct 17 2017, 05:03 PM
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New Member
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hi guys, credit card has been cancel due to late payment. does this effect my new CC application ?
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vinn
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Oct 17 2017, 05:22 PM
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Getting Started
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QUOTE(SzeMeng76 @ Oct 17 2017, 04:56 PM) Probably yes, which aligned with your total income. If you have the maximum credit limit which you should have with your current income, perhaps others bank unable to approve ur application anymore. hmm...i should call for decrease then since my total cl is 20x of my current salary. thanks ya |
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chonghe
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Oct 17 2017, 07:35 PM
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hi just wondering is any kind of money goes into cc considered as payment to statement?
long story short, let's say I have my cc linked to paypal, and I can withdraw cash from paypal to this cc. Does the cash withdraw to this cc considered payment to the cc balance?
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Jounouchi
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Oct 17 2017, 09:04 PM
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Application for Maybankard 2 Gold Credit card get rejected.
Call to CS but end up no reason given, just asking me to cancel my supplementary card and reapply after 6 months again.
Just a question, is supplementary card under my name may affect the credit score?
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