my curious, can i transfer money from cc using qr code to my other bank account. will it consider a cash advance? the qr is personal one, not business account.

my curious, can i transfer money from cc using qr code to my other bank account. will it consider a cash advance? the qr is personal one, not business account.

my curious, can i transfer money from cc using qr code to my other bank account. will it consider a cash advance? the qr is personal one, not business account.

first, have you actually tried it whether it work or not?

Hi all sifus, would like to ask if increasing the credit limit will impact anything on CTOS/CRIS etc ?

Hihih, was looking at credit shield because of [insert reasons]. It looked useful until i did the meth. Some banks are charging RM 0.66 for every RM 100 outstanding. If my meth calculation is correct, that would be RM 6.6 for every RM 1000. If my outstanding is RM 10000, the premium will be RM 66??? Holy cow, this product is expensive. Am I seeing it wrong?

That’s why seasoned users don’t subscribe credit shield.

Yeah, its a costly endeavor, for any credit card user for that matter. My situation is a bit different, I have other means (which doesn't involve me coming out a single sen) to cover the cost of the credit shield but the rates are absurd.

Is there any alternatives in the market? Try to gauge responses of other credit card users.

What are you exactly trying to cover? The way you are talking like hiding some big secret, then expect advise?

Look up what credit shield is. 🤣

I am asking is there alternatives, you dont have to know what i spend on my credit card.

Yeah, its a costly endeavor, for any credit card user for that matter. My situation is a bit different, I have other means (which doesn't involve me coming out a single sen) to cover the cost of the credit shield but the rates are absurd.

Is there any alternatives in the market? Try to gauge responses of other credit card users.

Think from the perspective of insurance company.

Credit shield basically will pay out if principal card holder die / pd.
There is no age profiling, health profiling, risk profiling that normally available to insurance company like in life / medical insurance.

Of course premium of credit shield will be expensive.

not exactly, the premium is based on 'outstanding credit card statement balance'
therefore, u could pay all outstanding balance prior to the statement date
which will result in Nil premium cost and yet be covered under the scheme

not attractive for me since spending within my means
secondly, i prefer 20-day interest free period

Yeah, its a costly endeavor, for any credit card user for that matter. My situation is a bit different, I have other means (which doesn't involve me coming out a single sen) to cover the cost of the credit shield but the rates are absurd.

Is there any alternatives in the market? Try to gauge responses of other credit card users.

Look up what credit shield is. 🤣

I am asking is there alternatives, you dont have to know what i spend on my credit card.

Hi, my sister is applying credit card for the first time. She's 40 years old.

She only has one small car loan left (total outstanding less than 3k) and the loan is scheduled to be fully paid later this year already.

She in the senior management of a local Sdn Bhd company and earn approximately RM 60k nett (after deductions. Salary payment monthly Via Maybank). Gross is RM 100k monthly.

Which bank is likely to be generous for a first time cardholder like her? Does it make sense for her to expect RM 300k as her CL?
She has been using debit card and supplementary credit cards prior.