There you go. Any non-PTPTN payment will flag in CCRIS and it makes credit card applications almost not possible.

and probably blacklisted from leaving the country

no answer for this?

You can just BT 4k and let them deduct from your BT overpayment every month.

Or if you want to cancel your HLB card then you need to cancel the easy payment plan that might incur a penalty so it's better that you check with them first.

MBB BT doesn't required statement so you can BT any available credit you have.

will balance transfer affect my credit score?

No.

You are just transferring your debt (RM4K) from one bank to another bank.

At the end of the day your debt is still at RM4k.

ok noted. gonna go do some math now to calculate

From the view on security of the card.
The CVV pin behind the card is visible to anyone who hold the card, e.g. the waiter, cashier, etc.

Let's think about a scenario here.
You went to a fancy restaurant, waiter take your card to the cashier, paid the less than RM250 bill using contactless feature.
Couple of months later, suddenly your card was charged with several thousands on foreign website, which requires only name, card number and cvv. No TAC/OTP sms required.
You have no idea where your card info was stolen as you use the card in many places in past 2 months.

The CVV could be the weak link here.
Is there any T&C that says you cannot scrape off the CVV?
Or has anyone done it?

you can scrape off or cover it with sticker, up to you
i just use a permanent marker to cover it, still can see at certain angle

Is there any local/foreign website now that won't request for OTP/MSOS code?

fruitie any thoughts on this?

Not that I'm aware of. Well, I'm not too worried about this unless you are so unlucky that targeted by the merchant. Usually I will be around when they perform PayWave, I don't allow any merchant to use PayWave without my permission. For PIN & Pay, obviously I have to be present to input PIN.

fruitie sis you travel often to china, any recommendation which card best use (cashback) in china for daily dinning?

HLB MACH is fine with this if it accepts Visa. If in big cities like Beijing and Shanghai, usually no issue to accept overseas cards. But smaller cities, the tendency to accept overseas cards is very low.

true. my brother's credit card was declined because the hotel they stay doesn't "open up their card system to accept foreign cards“
ended up, our chinese relative paid with Alipay. So embarassing.

I wonder when are we going to have Alipay accounts in Malaysia.

My friend thought so too.
Until one day, the iTunes transactions suddenly pops up. Around RM2K.
Fortunately the bank is willing to waive all charges and interest.
However, it took a couple of months and many phone calls/emails.

It's like when you saw someone in car accident, and you will think, "That won't happen to me".
Until one day...

Just use alexwsk recommendation as a precaution.

thanks for the valuable advice.
so better bring more cash instead.

We already have AliPay here anyway.
Mine is China AliPay account, I haven't tried using it here but in China, yes.

Well, I have too many cards to jot down one by one CVV and keep in safe. Let's see, maybe I will learn my lesson if that happens to me.
Been using CC since I was 18 years old, that's more than a decade ago, still surviving.

China prefers AliPay/WeChat payment or cash. Credit card, so so only unless it is UnionPay branded.
You can open a bank account in ICBC/BoC for UnionPay card, I have ICBC debit card to be used in China.

maybe give my china colleague cash to transfer some to my wechat wallet, dont like to carry too much physical money around
i just got my Maybank FC Barcelona Visa Card approved so 2% cash back max rm50 will be just nice for dinning spending of rm2500

This post has been edited by stargate8: Nov 3 2017, 11:00 AM

That's another option too, it is fun scanning QR code everywhere you go. Enjoy your trip.

May i know which bank offers the lowest exchange rate and lowest conversion/admin charges for overseas transaction?
I remebered that i used mbb cc in hong kong few years ago without extra charges apart from exchange conversion.
Just called up mbb today, and was informed the conversion charges for visa/master is about 2.25% and amex 2.5%.
Could anyone shed some light?

Thanks