I think u call CS will be faster?

Call CS like now... If required, need to suspend your card...

better dont delay and call maybank now to find out what's going on..Maybank cs on the back of your card

Does ezypayment/installment affect the CCRIS?
I just know BT does.

If no good payment, it will affect. Same goes to BT.
It will be shown as your outstanding but if your payment is prompt and full, your scoring will be 0. So, not an issue.

Thanks..I have to think twice before go for ezypayment..

Hi all want to ask,my statement date is 20 may, if my statement balance is rm5000 then i settled rm2000 on 26 may, then i swipe another rm 1500 on 28 may
So i need to pay rm4500 or rm6500 before payment due date?

pdd is per statement.

in ur case, only pay rm3k by pdd.

come 20 Jun statement, it will consists of rm1.5k. it will have a new due date.

Guys, my current salary consists of basic salary + production incentive, but the incentive does not affect EPF, but affect Income Tax.

To apply credit card, I'm required to fill up my annual income. Should I include my incentives or just my basic salary?

And my incentives vary every month, depending on the output production. If I need to include, should I take the current average and multiply by 12? (I have not worked for a full year yet)

Just fixed income. Basic salary + fixed allowances (if any) and x12.

Depend which card level you want to apply. If your basic can cover the card salary requirement that is sufficient, if the card you want need to include incentives to reach the requirement then you would need to include it

Thanks guys for the info

Hi,

Finally i got my Essential HLB Credit Card. Want to ask if i pay only the minimum fee Rm50. Let's say my Statement Balance Rm200. The interested is based on RM150 or Rm200?

Thank you.

Based on rm150, why don't pay full?

Hi, thanks for reply. I don't know, my friend did this. She said slowly RM50 RM50 pay. I told her the interest is high, not worth for not paying full.

Your friend should just stop using credit cards. Sorry to be this rude but if no discipline is applied and do this on purpose, really no point of using credit cards.

Maybe you misunderstood her.

Either way, just pay in full would do.

The rest is not important.

Yea, thanks for the advice. Mine i settled full. Planning to get 0% installment, but the card limit is only 2990RM. Need to ask for more limit, but the CS told me use the card first, then ask for extend. How long should i use until i can call them to ask for increase in credit limit?

Thanks.

Till your salary increases

If you are earning below 3k, you won't get any increment till you earn above that 36k marker.

Okay noted. I wonder if this question i ask in correct section. If i go senheng to purchase a phone for RM3699 with 0% interest installment. However, my card is only 3000 limit. Can i settle the 699RM in the shop and swipe my card RM3,000 for 0% interest?