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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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cybpsych
post Mar 15 2018, 11:21 AM

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QUOTE(-Aktan- @ Mar 15 2018, 11:15 AM)
Hi all anyone using MBB, I just started using MBB CC,

My statement date is 24th and due date is 16th of the month.

Say today I pay, I only pay statement balance, will I be subjected to late penalty or not? Do I have to pay for spending after 24 February?

My previous card from UOB will show my minimum payment as 0 once I've cleared the statement balance, but MBB still shows my min payment is 50.. even I have cleared my statement balance
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min payment amount only gets updated the next day after clearance of statement balance. it will not updated immediately.
cybpsych
post Mar 25 2018, 06:32 PM

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QUOTE(watabakiu @ Mar 25 2018, 06:23 PM)
On the pretext of creating 'long-term, fruitful relationship' with customers tongue.gif
The act was clearly unethical, but is it illegal? and it is cute that it costs thousands and thousands of accumulated points to redeem stuff. Why bother having such ridiculous items for redemption, id it is almost impossible to accumulate points, the ethical way?
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unethical or illegal, banks reserved their rights to take action.

we technically doesnt OWN their products, we're just using their services.
cybpsych
post Mar 26 2018, 10:56 AM

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QUOTE(Harfan @ Mar 26 2018, 10:54 AM)
Hi guys!

New credit card user here. Started using credit card since last month (Feb).

So, I received my first credit card statement last month (Feb) totaling around RM300. I've paid the amount in full on early March. Today, I received March credit card statement and there is still the RM300 listed in the previous statement balance. Shouldn't it be 0 if I already paid it in full?

Going through the March statement transactions, I noticed there is RM300 credited in the card around early March. So, probably I've paid the RM300 to the card instead? How should I go and correct this? A bit confused here. rclxub.gif

Thanks.
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maybank m2u?
cybpsych
post Mar 26 2018, 11:18 AM

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QUOTE(Harfan @ Mar 26 2018, 11:04 AM)
Yep I used maybank2u. And it is Maybank credit card.
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this is normal.

Statement Balance amount doesnt change. it is FIXED. this is your billed amount. it will never change, right?

do you see your previous mobile/broadband bill amount keep changing to 0 after payment? no right?


Outstanding Balance amount will always change according to new spending or payment.
cybpsych
post Mar 26 2018, 04:20 PM

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QUOTE(watabakiu @ Mar 26 2018, 04:04 PM)
The bold refers. Are you sure? Fees are charged for outstanding AND current charges?
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iinm, finance charge applies to each transaction, counting from its transaction date.

the longer you delay your previous month(s)' statement, each transaction will get a "reward" laugh.gif
cybpsych
post Mar 30 2018, 10:09 AM

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QUOTE(etsuko @ Mar 30 2018, 09:55 AM)
Maybank
Quite impossible here. Because I make payments via m2u all the time. Meaning, it's either I pay the Outstanding balance or Statement balance.
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any BT involved?

probably you "think" statement balance has "changed" because of inclusion of BT installment amount added?

meaning, before statement date, you were expecting RM1,000 (example) statement amount coming soon. on statement date itself, you noticed the amount was higher?

very unlikely statement balance were modified after it has been generated.

if you still not satisfied, give CS a call to investigate.

we dont know the details on what/how exactly you know, what amount changed (before and after), date/time it occured, before or after statement date, etc.
cybpsych
post Apr 1 2018, 08:42 PM

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QUOTE(watabakiu @ Apr 1 2018, 08:31 PM)
Whoa! Now I understand how banks make quick bucks! So to confirm, the charges won't be separated, only to take the ones with no 0% pleadge? all outstanding amount pun kena whack?
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make it simple, anything charged to your cc, you will be bounded by cc T&C, including the finance charge, etc. when you hit finance charge, all transactions are impacted.

general rule, if you dont have the capability to repay the full installment (regardless of any period) or cc outstanding, you shouldnt use the cc at all. pay cash better.
cybpsych
post Apr 5 2018, 05:32 PM

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QUOTE(vinvon23 @ Apr 5 2018, 03:12 PM)
hi all i would like to know anyone applied the ringgit plus gateway program where u get free air ticket n traveloka hotel discount voucher once the card approve.

any idea whether we get to really choose the place n travel date we want.
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u do know there are T&Cs answering your questions, right?
cybpsych
post Apr 6 2018, 07:55 PM

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user posted image

OCBC: 10% CASH BACK ON GROCERIES EVERY WEEKEND [ T&C ]

10% Cash Back with a minimum spend of RM250 in a single receipt on groceries at any one of our participating merchants’ stores nationwide with your OCBC Cards. Applicable on every Friday, Saturday and Sunday.

Participating merchants:
GIANT stores nationwide
Cold Storage store nationwide
Mercato
Jason’s Food Hall

Terms and Conditions
Payments must be made with an OCBC Credit or Debit Card.
Campaign starts from 30 March 2018 till 29 April 2018.
A maximum of RM50 cash back per cardholder throughout the campaign period.
Total cash back is capped at RM3,333 per day, on a first come, first served basis.
Cash back will be credited after campaign ends.
cybpsych
post Apr 7 2018, 05:38 PM

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QUOTE(tachlio @ Apr 7 2018, 05:04 PM)
Does cash back cycle date is different from each other?
Anyone can advise your?

Maybank 2C / FCB : Calendar month method / 1st - end of month
PBB VS :
CIMB Cash back :
UOB Yolo :
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you should read up/search each respective card threads.

pbb cards (vs/quantum): statement cycle (cb on statement date)
cimb cr: statement cycle (cb after statement date)
uob yolo: calendar month (cb by 30th of following month)

QUOTE(watabakiu @ Apr 7 2018, 05:05 PM)
^ But the Finance Charges will stick with me until I settled ALL (including the unbilled transaction) or up to the point I settled the outstanding amount only? This is assuming that I do not charge anymore to my CC..
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if not mistaken, ALL, including current outstanding.

no experience to test the finance charge scenarios.

if you already hit by financ charge, do share your updates sweat.gif
cybpsych
post Apr 17 2018, 02:53 PM

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https://www.maybank2u.com.my/new

It’s going live on 19 April.....


https://www.maybank2u.com.my/new

We’re here at the exclusive preview of the new #Maybank2u. Stay tuned for more exciting updates with us! #NewM2U #ReimaginedForYou

user posted image

user posted image


Maybank is introducing its new Maybank2u. At the moment only 0.4% of transactions happen at the branch. 99.6% of transactions are done digitally at the ATM and online.

user posted image

» Click to show Spoiler - click again to hide... «


This post has been edited by cybpsych: Apr 17 2018, 03:22 PM
cybpsych
post May 8 2018, 03:53 PM

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QUOTE(KamisF @ May 8 2018, 03:32 PM)
Hi guys, is there any difference when paying credit card statement balance vs outstanding balance,

i have paid my previous month statement balance full, but i clicked pay outstanding balance.

now the statement balance is still there (about 1k) and it affect my total credit limit.
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statement balance shouldn't change.

it's a snapshot of your statement balance upon statement date.

most important is the outstanding balance is reduced (after payment) or increased (after transactions occurred).
cybpsych
post May 8 2018, 04:19 PM

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QUOTE(KamisF @ May 8 2018, 04:13 PM)
i see, i was wondering because it affect my available credit limit.
now at 8.4k out of 10k while my outstanding balance is only rm500+,
my other card all dont have outstanding balance as im only using this card for this month.
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try check with the bank on the current/real-time CL amount.

probably the IB need a refresh by midnight.
cybpsych
post May 9 2018, 03:36 PM

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QUOTE(1tanmee @ May 9 2018, 03:27 PM)
If I want to change Cc type for the same FI, need to submit new request?
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what is "cc type"? what is "FI"? from what bank?
cybpsych
post May 17 2018, 05:46 PM

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QUOTE(cse.my @ May 17 2018, 04:41 PM)
what to ask if now am using A credit card and i want to apply B credit card. can i transfer A credit card balance to B ? and after that cancel A credit card ?
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yes this is called Balance Transfer programme.

apply B credit card with 0% Balance Transfer.
cybpsych
post May 25 2018, 06:02 PM

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QUOTE(yongs90 @ May 25 2018, 05:02 PM)
How long does it take to know whether my credit card application is approved/rejected?
Maybank FC Barcelona Visa Signature?

I applied on the 8th of May 2018.
No sms or anything yet..
Checked at maybank2u as well..

High chance of being rejected since it is more than 2 weeks?
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call and ask
cybpsych
post Jun 3 2018, 03:51 PM

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QUOTE(wheelcartcathy @ Jun 3 2018, 01:24 PM)
Hi,
my credit card due date was 1st june but i only paid 2 days later....will the bank charge me for late payment?  icon_question.gif
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QUOTE(wheelcartcathy @ Jun 3 2018, 01:30 PM)
it's Public Bank
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bump you to proper thread without opening a topic (which would be closed later)

as for your question:

if payment reflected in your pbb cc on 3 June, you wont hit late payment penalty yet.

there's a hidden grace period of 2 days after due date. i've tried this with pbb, mbb, hlb cards.
cybpsych
post Jun 9 2018, 04:12 PM

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QUOTE(xin28 @ Jun 9 2018, 04:06 PM)
Hi,
I called and reported loss of my MBB credit card and CS said if it's cancelled and replaced with new card, RM50 will be charged for the replacement card.
If I just request for it to be cancelled with no replacement, no fee will be charged.

So I was thinking of cancelling it with no replacement card. Any sifus here know if I do that, how long do I have to wait before applying for a new MBB credit card?

Thank you in advance.
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if due to negligence, you have to pay the fee.

if due to faulty card (eg cannot read chip), free replacement.

a general 6mth grace period to reapply, but u can try earlier.
cybpsych
post Jun 9 2018, 07:32 PM

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QUOTE(13aby @ Jun 9 2018, 07:29 PM)
Received call from from the branch i applied that my application was principle approve just need hq to verify my company.  Is this means will get approval or got chance for rejection?
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min requirements passed. just need further verification before final approval.
cybpsych
post Jun 19 2018, 03:23 PM

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QUOTE(gugukrez @ Jun 19 2018, 03:01 PM)
My wife dont let me apply credit card.. as she have full control of family finance..

thus she give me one of her credit card.. use for petrol fill in..

I want to ask.. can my wife sub a credit card to me.. under my name? my wife limit is 10k.. can i provide my payslip to increase her limit to 20-30k?
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she can sup the card to you, your name on the card.

however, your income is irrelevant to her card's limit laugh.gif her card, her NRIC, her income.

she can increase her own CL, then assign higher CL to the supp card instead.

This post has been edited by cybpsych: Jun 19 2018, 03:23 PM

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