Same case like me
Tried OCBC,HSBC and Maybank all kena reject for the same reason CCRIS too clean(nothing inside)

Btw how does the FD pledge as collateral works?

Just like you will be putting money in FD with non promotion rate, then they will give you credit card. However it is subject to bank approval. Currently I think PBB and another bank is doing it for pledge FD for CC only. If not mistaken, if you pledge 20k, then your cc limit is 20k.

However, you may try apply for HLB (Mach), or Citi Shell Card. I am using these 2, as my salary is not high enough to qualify for Quantum and Maybank 2 kard.

This post has been edited by realitec: Nov 24 2017, 08:23 AM

hi, if i have maybank 2 and visa signature and shares credit limit, this 2 cards shares cash rebate amount of RM 50?

No, separate cash back.

Do Bank Rakyat/Aeon checks CCRIS/CTOS records as well for CC application?

Yes, all banks and credit institutions.

EPP question:
If EPP on RM3000 item for 24months and my credit limit is RM10000, then it will become RM7000 for 24 months, back to RM10000 again after I settle all the installment.

OR

If my monthly installment is RM300, my credit limit will be increased back slowly by RM300 a month. Like first month my credit limit becomes RM7300, then next month RM7600 and so on.

So which one is it?

2nd scenario

each monthly installment cleared will restore the CL gradually.

Just some questions regarding statement balance.

I have already paid the statement balance but the amount is still shown in the account details section.

I always paid the outstanding balance.

Am i doing it wrong or something?

Statement balance will not change or real time updated only outstanding balance will change.

I did some digging.

As long as the outstanding payment is zero. I do not need to worry about statement balance as i already paid it off so is my understanding is correct?

Kinda dumb that the system implemented online ask you to pay the statement balance when i have already fully paid it...

not dumb.

statement-ed amount never change. it's fixed. it doesn't TELL you to pay, it's just a statement info for the current cycle USAGE. it's just like postpaid mobile bill.

what u truly owe is outstanding amount. it increases or decreases according to spending or payment.

benefit of postpaid-monthly billing is you only need to clear each statement amount, latest by due date. any newer spending after current statement date, will be billed in next statement cycle.

since u cleared all outstanding amount, then it's fine anyway. it doesn't CHANGE the fact of your statement amount, right? what were spent is documented in the statement.

This post has been edited by cybpsych: Nov 26 2017, 08:13 PM

Nah, dumb as in after i paid it still shows an option to pay. (i got shock)

Then again i should have studied up. My fault also.

But thanks for your reply as it is clear now.

I thought they didnt record my payment.

Cheers.

bump you here

it's called Cash Advance, and definitely come with certain % rate. check respective card/bank fees.

whether this is a smart move, hope you can decide and weigh the pros-cons, whether it's worth or not.

Hi,

My Citibank Statement date is on tomorrow, ie. 28 November 2017 which is due date is on 17th December 2017. If i swipe on tomorrow morning, will it posted on the same day? My question is, whether this transaction should be settled on 17th December or I can drag until 17th January 2018?

Thanks.

Depending on the merchant. If supermarket it get posted extremely fast. Petrol will be slower.

Alright, thank you.

Hey guys, this is quite a newbie question but I just wanted to ask (Don't know if this is the right thread to ask or should I ask in a Maybank credit card thread).

I was shopping in Lelong and I used NetPay for a transaction amount above RM3k. I used a Maybank credit card with MSOS. I did the usual and key in the MSOS code but I receive an email after the purchase.

The title is "Verification on transaction amount above RM3000 - CC APPROVAL CODE Payment for Order ID : ... "

It's asking me to contact my bank for an approval code.

Isn't the approval code the MSOS code or something different?

This post has been edited by JakeGFX: Nov 27 2017, 11:18 PM

Which credit card from rhb which provide good benefits for local spend , what is amount to pleaded a FD for credit card for rhb ?

hi,
im wondering is this good combination as i plan to apply maybank visa signature , pbb visa signature and maybank fc barcelona.

mbb visa signature- petrol and grocery-5%
pbb visa signature - grocery , dining and online-6%
mbb fc barcelona- school fee n others
pbb quantum 2 card - for grocery , entertainment , dining ,

any more cards for more cash back