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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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eddievh
post Feb 19 2019, 09:05 PM

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QUOTE(1tanmee @ Feb 19 2019, 08:56 PM)
For late charges penalty, what is the min and max penalties the bank can charge?
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1% of outstanding amount, min rm10 max rm75
eddievh
post Feb 19 2019, 09:34 PM

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QUOTE(1tanmee @ Feb 19 2019, 09:12 PM)
Any other charges for late payments?
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Interest laaa
eddievh
post May 10 2019, 02:56 PM

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QUOTE(lotter92 @ May 10 2019, 02:45 PM)
Just got 2 unauthorized transaction using my cc. Called the number behind the card and filed a dispute also cancel my current card. Question, how long usually the dispute will take place and roughly when I can get the money refunded?

And another one, if the bank identified them as a fraud, does the scumbag who did these transaction still enjoy what he/she purchased? It looks like they used my card for travel booking in NZ cause the amount was displayed as NZD dollar. I wish to get my money back but I wish more that their attempt will be unsuccessful.
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How did you find out? You get sms?
eddievh
post Jun 3 2019, 12:59 PM

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QUOTE(yahiko @ Jun 3 2019, 12:37 PM)
hey guys~ which card have the high cash back cap?

what i learn so far is
MBB cap RM100
SC JustOne cap RM85

Any others? usage about 3K per month
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Alliances younique no cap but rates so so la.
eddievh
post Jul 31 2019, 06:20 AM

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QUOTE(amanu @ Jul 31 2019, 06:11 AM)
what is difference between islamic and conventional cc ?

which one is cheaper?

can someone put example how compounding is calculated vs how ta'widh are calculated ?
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Just pay full statement amount then no need to worry which one is cheaper. Both also will get charge for interest if not full in full statement balance.
eddievh
post Aug 8 2019, 07:46 PM

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Kk mart or 99 speed mart can use pay wave to buy things or not? Any minimum amount only can use card ? Tq.
eddievh
post Aug 10 2019, 06:07 AM

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QUOTE(blabla987 @ Aug 10 2019, 01:06 AM)
Best credit card cashback for petrol? Sifu o
Please recommend
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Any brand preference and usage per month?
eddievh
post Aug 11 2019, 03:39 AM

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I am asking on behalf of my friend. If a person apply credit card through fixed deposit pledge, do bank still check the ccriss/ctos ? Roughly how much RM needed to pledge for 1 card ?
eddievh
post Aug 16 2019, 07:03 PM

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QUOTE(SNHY693 @ Aug 16 2019, 06:46 PM)
For credit card application nowadays, is it compulsory to collect the card at the nearest branch? No more posting of card to house address?
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No, still can get it post to home address.
eddievh
post Aug 22 2019, 12:15 AM

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QUOTE(dayamin @ Aug 22 2019, 12:11 AM)
Any document I need to prepare to request my first credit card? Wanted to get cashback cc as I mostly use my debit card to purchase online, tickets and so on.
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3 months pay slip, kwsp statements
eddievh
post Aug 27 2019, 08:53 PM

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QUOTE(maniaci @ Aug 27 2019, 06:55 PM)
the problem is total outstanding 16k but this month i need pay minimum payment 2K++ .. i thought minimum payment are 5% from 16k???
Why 2k ++ for minimum payment instead of  800 ++
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Epp installment need to pay 100% new bnn rules.
eddievh
post Aug 29 2019, 12:15 AM

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QUOTE(Human Nature @ Aug 29 2019, 12:14 AM)
Yes, I did this but cant remember for which bank card. It was for a lengthy period - 2 months
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What reason you gave to cs to temporary block the cards?
eddievh
post Oct 5 2019, 08:48 PM

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Is like that one ma, merchants need to post then only csn see but if your check available credit limit it already deducted.
eddievh
post Oct 6 2019, 05:11 AM

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The longest i encounter is 6 months,I thought already get free rm200. 6 months later i saw that transaction appear in my statement.
eddievh
post Oct 19 2019, 02:58 PM

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I seldom go to fast food restaurant other than MacD and Kepsi,may I know what other fast food restaurant accept credit card? Texas Chicken accept or not ?
eddievh
post Oct 19 2019, 03:10 PM

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QUOTE(ClarenceT @ Oct 19 2019, 03:03 PM)
Pi Za Hard.
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Thanks. Actually looking for fried chicken only,lol. Ya Nandos also got accept went there before.
eddievh
post Oct 21 2019, 10:08 PM

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QUOTE(1tanmee @ Oct 21 2019, 08:24 PM)
How is late payment charges %  calculate? i pay full amount all the time, but may miss this month's full payment due to some problems. will i straight kena 18%?
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Depending on how long is your card, if more than 1 year the rate is 15% pA.
eddievh
post Oct 22 2019, 01:01 PM

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QUOTE(skitch @ Oct 22 2019, 12:07 PM)
Hi,

Few months i took up maybank's cash treat offer for rm3k for 36 months as i was in a tight spot.

Now i want to fully pay off the cash treat, do i still need to pay the interest of the remaining months? Can i just clear the balance in my credit card and it's done and no need to inform them?
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Better call cs and ask.
eddievh
post Oct 22 2019, 08:43 PM

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QUOTE(1tanmee @ Oct 22 2019, 08:09 PM)
card is two years. so if only fail full payment this time, balance kena 15% per month?
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15% p year not per month.
eddievh
post Oct 23 2019, 06:51 PM

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QUOTE(1tanmee @ Oct 23 2019, 11:51 AM)
ohlol, my bad!
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https://forum.lowyat.net/topic/4475541/+820 , here are samples how interest are calculated. Cc is licence ah long,lol . If possible always pay in full.
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