LATEST UPDATE: SST will come into effect on 1 September 2018, RM25 for each principal and supplementary card
For more info, please refer individual bank websites or Customs Website

Proceed from v19: https://forum.lowyat.net/topic/3802512

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

A. Some latest shortened cc thread links to refer easily: contributed by victorywp & alexwsk
AEON Credit Cards v4 https://forum.lowyat.net/topic/3929192
AEON Big v1 https://forum.lowyat.net/topic/3712657
Alliance Credit Cards v1 https://forum.lowyat.net/topic/2474465
Al-Rajhi Charge Card v1 https://forum.lowyat.net/topic/2397964
AmBank Credit Cards v3 https://forum.lowyat.net/topic/4444990
American Express v3 https://forum.lowyat.net/topic/1724607
CIMB Credit Cards v7 https://forum.lowyat.net/topic/4475541
Citibank Credit Cards v4 https://forum.lowyat.net/topic/3672923
HLB Wise v8 https://forum.lowyat.net/topic/4012607
HLB Fortune v1 https://forum.lowyat.net/topic/2161445
HLB Mach v1 https://forum.lowyat.net/topic/2421215
HSBC Credit Cards v2 https://forum.lowyat.net/topic/3457783
MBB2Cards Gold / Platinum v19 https://forum.lowyat.net/topic/4409607
MBB2Cards Premier v2 https://forum.lowyat.net/topic/3894106
MBB Visa Signature / FCB VS v2 https://forum.lowyat.net/topic/4067746
MBB Islamic Ikhwan V3 https://forum.lowyat.net/topic/4103568
MBB MU Visa v1 https://forum.lowyat.net/topic/2105923
Maybank Credit Cards https://forum.lowyat.net/topic/671053
PBB Credit Cards v4 https://forum.lowyat.net/topic/4638317
PBB World Master v1 https://forum.lowyat.net/topic/3877948
RHB Credit Cards v1 https://forum.lowyat.net/topic/2855886
Standard Chartered Credit Cards v4 https://forum.lowyat.net/topic/4095341
UOB Credit Cards v9 https://forum.lowyat.net/topic/4527718
Others:
Balance Transfer v4 https://forum.lowyat.net/topic/3918057
Places to use Amex v3 https://forum.lowyat.net/topic/3532126
BigPay v2 [url=https://forum.lowyat.net/topic/4623336]https://forum.lowyat.net/topic/4623336[/ur]
Debit Card v3 https://forum.lowyat.net/topic/2048731
Credit Card Foreign Exchange Rate Forex v1 https://forum.lowyat.net/topic/1845691
SMS Alert for Credit Card v1 https://forum.lowyat.net/topic/2195645
Pumping Petrol with Credit Card v1 https://forum.lowyat.net/topic/1798403
Cross Border Transaction Fees https://forum.lowyat.net/topic/2519936
TnG v1 https://forum.lowyat.net/topic/3427778
Reload TnG v3 https://forum.lowyat.net/topic/3757650
Loyalty Cards v1 https://forum.lowyat.net/topic/2843552
Suspicious Telephone Calls v1 https://forum.lowyat.net/topic/1833743

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required


4. Credit Card linked to Petrol
- OCBC Titanium MasterCard; all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum; all petrol stations = 5% cash back
- UOB; BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank; SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic; PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic; PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA; ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money; all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz; all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: https://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1; 13.5% p.a.
Tier 2; 16% p.a.
Tier 3; 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal + 5% advance cash withdrawal fees
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM200k
7) Hong Leong Bank Priority Banking - deposit and maintain RM300k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - https://forum.lowyat.net/topic/1724607

8. International Transactions / Forex - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees


11. Verified by Visa and Mastercard Securecode
Verified by Visa
Participating banks :

MasterCard SecureCode
Participating banks :


12. Balance Transfer - http://forum.lowyat.net/topic/3354596

13. RM50 Government Service Tax - NO LONGER IN FORCE from 01/04/2015

14. Airport Lounge Access - https://forum.lowyat.net/topic/4018832

15. Previous versions


16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CCRIS report via email - http://creditbureau.bnm.gov.my/reportobtain.html
CCRIS online / eCCRIS: Register at BNM's kiosk for the very first time. Temporary PIN will be sent to registered phone number - https://eccris.bnm.gov.my/
CTOS: http://www.ctos.com.my/

17. FMB - Financial Mediation Bureau
https://www.ofs.org.my/en/

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
Introduction to Credit cards 2016 by Gen-X
Free Credit Card Tutorial by Gen-X

20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - 3 years (effective from 1st August 2013)
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - Pending reward system update
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) Maybank Visa Infinite - Min Income Requirement : RM 240k
6) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
7) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
8) RHB Visa Infinite - Strictly by Invitation Only
9) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
10) HONG LEONG Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) World MasterCard = Maybank WMC (assuming AF is waiveable)
7) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/4161836

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/3231432

25. Reload Touch n Go using credit cards - https://forum.lowyat.net/topic/3757650

26. Measures on Credit Cards by Bank Negara - http://forum.lowyat.net/topic/1796957

27. Beware of cross border charges by HLB, CIMB and SCB - http://forum.lowyat.net/topic/2519936
Sample case: Apple Store Malaysia by rickkywong using HLB credit card; wshoh using CIMB

Confirmed no cross border charges: Ambank (by rickkywong)

This post has been edited by alexwsk: Sep 4 2018, 09:32 PM

FAQ

1. Can I apply new credit cards using existing credit card which is more than one year?
NO

2. Can I apply new credit cards by pledging Fixed Deposit?
Depends on individual banks, some will accept and some will not

3. How does credit card works?

Courtesy of iMoney.my

4. How to request your credit report?
http://creditbureau.bnm.gov.my/reportobtain.html

5. Links by Gen-X, for your reading pleasure
Introduction to Credit cards 2016

6. How does the interest free 20 days period work?
7. Need recommendation on which credit card to apply? Ask here - http://forum.lowyat.net/topic/4161836

8. How does Easy Payment Plan (EPP) work?
https://ringgitplus.com/en/blog/Credit-Card...-Explained.html

9. Why is my credit card application not successful / fail?
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html

10. How to report debit card / credit card surcharge imposed by merchants / retailers?
Follow the steps listed here

11. What is my credit score?
You may key in your financial information in the website below to get a rough estimate of your credit score.
https://www.myfico.com/fico-credit-score-es...ator/estimator/

12. What is statement balance and outstanding balance?

QUOTE(#Victor @ Nov 23 2019, 01:48 PM)

Statement balance:	The amount you owed on the day the statement was prepared. It includes any finance charges and late fees.
Outstanding Balance:	The amount you owe the Bank on purchases made with your credit card. This is the amount outstanding for your repayment, but a portion of it is the minimum repayment that must be settled, otherwise an interest is charged on this minimum repayment.

This post has been edited by alexwsk: Nov 24 2019, 05:21 PM

Courtesy of Gen-X: most of the links might no longer be accessible

Introduction to credit cards by Gen-X 2016

I just published my article titled Credit Card Effective Cash Back Rate. In this article I compared the Maximum Effective Cash Back Rate you can earn with the Maybankard 2 AMEX versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa. Plus also if you are thinking of getting the CIMB Cash Rebate Platinum credit card to earn 5% cash back from online transactions, you won't want to miss this article.
In order to optimize the returns from our credit cards usage, we have to use the right card at the right place and time. There are so many credit cards out there, and if you are clueless, check out my articles below and maybe you can earn yourself some pocket money.

New 2013 Credit Cards - credit card review of the CIMB Cash Rebate Back Platinum, Citibank Prestige MasterCard World Elite, Citibank PremierMiles AMEX, Hong Leong Bank Wise Cash Back, RHB Visa Signature and versus the Standard Chartered Bank WorldMiles MasterCard.

If you are new to credit cards, Click here to my Credit Card Tutorial Page. After finishing this FREE tuition, you'll be an expert on credit cards and you might end up collecting cards like me (click here to see my card collection) to optimize our returns

Hotel Online Room Booking with Credit Cards - some of our credit cards offer discount when we use them to book hotel online via 3rd party sites. But is the discount really good? This article will show you that you need to always compare the prices at check out and not at the front page.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Maybank 2 Cards Premier(American Express Reserve and Visa Infinite Combo) - Comprehensive Review

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?

For your own good, you must click here to read my article on Credit Card Fraudulent Charges and SMS Alert AND click here to Suspicious Telephone Calls on CC matters Thread.

To read my review of the Maybankard 2 Cards, click here. The Maybankard 2 AMEX rewards you UNLIMITED 5X Treats Points everyday PLUS 5% cash back on Saturdays and Sundays. You can get this MBB 2 Card within 2 hours if you go apply at Maybankard Centre at 1U (New Wing), Gardens (near Robinsons) and KLCC (Lower Ground). Please note not Maybank branch. And the most complete guide to Maybankard 2 Cards is right here in LYN - click here to Maybankard 2 Cards Thread and read page#1.

And if you want to convert your credit card's reward points to Enrich Miles, click here to read my article My Son Is Going to The USA Again on Business Class. With credit cards offering 5X points, we can earn Enrich Miles faster. But more importantly, what is the conversion rate of our reward points to Enrich Miles. And in this article I will show you for local usage it is the Maybankard 2 Cards Gold and Platinum and for overseas MBB Visa Infinite rate is one of the best in town.

Click here to me article titled The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns for increments of RM500 spending a month.

And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

And to see my list of The Best Top 10 Credit Card in Malaysia 2015 - click here to my Credit Cards Ultimate Showdown 2015

This post has been edited by alexwsk: Aug 20 2018, 05:01 PM

Congrats on V20!

Quite a good spread of info above. Will take some time to digest...

Dear all,

Not sure whether this is the correct place to ask.

Annual gross income more than 30K. Works in a MNC company

Tried applied CC with most banks but none was approved. Reasons being might because i dont have any commitment with any banks (loans etc).

Any idea which banks which is more lenient in this kin of issue?

Thanks

Does purchasing airline tickets via their website counts as "online purchase"? Would i be able to get cashback if i use CIMB cashback card for this?

No CB on Air Ticket with CIMB CR

Did u applied with your salary crediting bank?

Wanna ask for example if i pay HLB CC from cimbclicks, does it charge any extra fees?

It is either RM 0.11 for Interbank GIRO (IBG) transfer, or RM 0.53 for (IBFT) Instant transfer.

Alright tqtq!

Just a question here.

My partner wants to apply for maybank cc, she is an expat and have salary only rm6,000 would she be able to apply one? Currently she has one cc from cimb. And with that salary what is the cc limit shes gonna get?

FYI, you can post HERE instead based on the detail to be provide

Hi,

Yes i did applied with that bank also. Rejected also due to no commitment found

hmm if you really want to apply CC maybe can pledge FD for Maybank CC . Minimum of RM5000 FD needed.

Hmm... FD is my final option. Any other option?

She can apply, no issue so long banks approve. Usually CL for foreigners is based on her monthly basic.
My colleague applied M2Cards back in 2014 and got it with CL of RM 10k which was her monthly basic salary that time.

hey guys! i'm back with more question to optimize my spending!
I basically have a few utilities to pay:
1. unifi & electric
2. Great Eastern insurance bill

what's the optimized way to pay these? especially for insurance bill. Also I prefer maybe Citibank (cos i'm a loyal customer) or some card that's free for life (enough card problem).

Any thoughts?

would be helpful to share the average monthly amount for each

also, what is the company for Electric?

Good point bro, monthly I have:
TNB RM100
Streamyx RM100
Insurance RM200

Cheapo here... Anyway I currently spend a lot online so I almost max out my cash rebate for UOB Yolo, CIMB CR, PBB quantum. All other stuff will go to Citibank CR. I think I can at least get some points for those utility, even if I'm not getting rebate for it.

This post has been edited by chrisderick88: May 8 2017, 11:05 AM

Just sharing, CCRIS can be obtained by going to AKPK branch too. Useful for those having no access to BNM offices and email request takes too long.

guys,

if we purchased something online and it was refunded, is it eligible for cashback too?

Of course not

anyone know where could i pay Lembaga Air Perak with credit card for cash rebate?

which credit card u will use?

HL Wise (preferred)


Thanks

This post has been edited by fairylord: May 11 2017, 03:35 PM

Hi guys.

Sorry for this silly question for some of you.But, I am curious.

If I apply for a CC, and I purchase a smartphone with 0% Easy Scheme up to 24 months that require me to pay RM 150 per month, so I only need to pay that amount of money plus annual fees if apply right?

Is there any other sort of payment?

Yes if you pay the monthly outstanding amount on time before due date stated in statement.

Hi guys, i use my credit card to spend around RM300 two days ago. I want to make payment today but there still no posting/transaction and the outstanding balance is still 0.
I guess i just need to wait the posting/transaction come out only pay right?
But i heard something about bank will charge you interests if you pay after 20 days.
My question, the 20 days is start count from the day i spent the money or the day posting/transaction come out?

Hi guys.
Could anyone please clarify is this the correct way of calculating the interest.

I'm using Maybank Islamic Petronas Ikhwan Visa Gold credit card.
https://ringgitplus.com/en/credit-card/Mayb...-Visa-Gold.html

My statement date is every 14th and due date is every 4th.

For example this 14th May, I will be getting a statement with RM 4000 outstanding balance.
The minimum payment is 5% which is RM 200 and I paid before due date.

So the current outstanding balance is RM 3800.

For the new cycle of statement, 15th May to 14th June, for example I spent RM 2000.

So, the statement on 14th June, the outstanding balance is:

Last outstanding balance = RM 3800 + RM 57 (Interest 1.5%) = RM 3857
15th May to 14th June outstanding balance = RM 2000

Statement outstanding balance on 14th June = RM 5857

Is it correct?
Is there any fee that I'm not aware?
I called their service center and they said the calculation is kinda complex as they calculate per transaction not total outstanding balance as above.
I'm confused. Could someone please help me?

Thank you very much.

technically, you can pay without waiting for the transaction to be posted but this is not best practice.

the normally accepted best practice is, wait for statement to be .generated. the statement will show all transactions captured 30 days prior.

from the statement date, you have 20 days interest free days before the due date is up.

in summary, pay statement amount before statement due date

Thanks.
But I want to know is that the correct way of calculating the interest?
I have no problem of paying before.
It just this month kinda tight.

I'm planning to settle off the outstanding balance on the 14th June statement.

I just I want to know is the interest is RM 57?
Thanks.

i was actually replying to the poster before yours.

unable to answer your interest question as i have no idea myself. let's wait for others to chip in.

eh sorry2.
just noticed.
sorry my mistake.

Thanks.

most of the ppl here do not know or have the need to know about interest calculation
from your examples above, the RM3857 should be correct, but the new spending confirm will incur interest as well, either from the transaction date or posting date, this I'm not too sure

-deleted-

This post has been edited by wenzhenzhen: May 13 2017, 10:37 PM

It is from transaction date. And the interest of RM57 is incorrect. I can tell you because it is from my experience. I insisted the bank to give me the breakdown of interest because the amount that I calculated is different. Here is the calculation of interest.

For eg, statement date 31.5.2017. Due date 20.6.2017. Payment date is 22.6.2017. Interest 18% pa

3.5.2017 Transaction A RM200. Interest: RM200 x 18% x 50 days(3.5.2017-21.6.2017)/365days = RM4.93
5.5.2017 Transaction B RM300. Interest: RM300 x 18% x 45 days(5.5.2017-21.6.2017)/365days = RM6.66


Hope it helps.


This post has been edited by wenzhenzhen: May 13 2017, 10:54 PM

Dear all,

How to calculate my public card credit card minimum payment ?

I am new cc user ,
If I pay my minimum amount of payment and lastly still hutang RM 1000, how much interest + denda I need to pay from my next payment bill ?

Anyone can calculate for me or explain please ?

Whattt..the new spending from next statement cycle also will incur interest? Oh noo!!!

From your example it seems you paid after the due date, and I assume late payment fee will incur?
And what about the minimum payment?


And is it true new spending from other statement cycle also also will incur interest as mentioned above?

Below is the sample table that I come out. The calculation is from transaction date to 26 June 2017.
Like I mentioned before, my due date is 4 June. Below calculation is not adding into the minimum payment of 5%.
Consider I pay minimum payment on 26 May 2017. How the minimum payment will be put into the calculation?



This post has been edited by lowyatGuest000: May 14 2017, 08:10 PM

Can we request to temporary deactivate my cc so that i dont need to pay annual fee for that card?

I am going oversea for few years so will not use the card, but dun feel like want to permanently cancel the card.

The card is hlb mach. Since i am noy using the card, cannot fulfill 12 swipe per year.

This post has been edited by edwardccg: May 16 2017, 07:51 PM

Hmm. Why don't cancel it first and apply back later? I don't think you can deactivate it.

There isn't exactly a deactivate function. I called cs on this before. For stolen cards, it's usually blocked, replaced with new number.

Easier to just cancel

Just want to avoid the hassle to reapply since need to accumulate another 3 month payslip for that.

Guess cancel is thes only choice than. Thanks

After a long procrastination, I called OCBC to cancel my useless OCBC GE which I have stopped using since the cash back was removed. Nothing to miss about this card at all except for the high CL.

That said, useless cards are meant to be cancelled.

i have a hl mach card too. i have stopped using it for a while but not going to cancel the card as hlb is the only bank willing to give me a unsecured credit card. to me, swiping rm1 x 12 isn't too difficult.

Hi, may i know whether the credit card application would be subjected to my DSR/CCRIS records?

This is because I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I have two other credit cards, but I have been paying my credit cards bills and all other relevant loans in full. I just wish to get another card to fit my requirements so that I can maximise my savings. Appreciate the feedback..

How do they determine how much credit you're allowed when applying for new credit cards?

Yes, banks will use those as basis.

It's by banks' discretion. Usually starts from around 2x salary.

Hi, is there any maximum cc limit to hold? Because I read some cardholder's comments failed to apply some cards due to holding many cc even though annual income more than RM36k.

Thanks.

No maximum amount of cards can be held if annual income is more than 36k. It's up to the banks to approve or not, many factors that are affecting. One of the famous reasons is PTPTN loan.

Reduce the CL of current two cards

Hi,

I was searching for how to pay credit card with PTPTN and Aeon Installment(recently bought phone) to earn cash back.

I am using Essential Hong Leong Bank credit card. Any advise?

Thank you.

PTPTN = MBB 2 AMEX - Weekends only. Confirmed to have CB for now.

I am not sure whether UOB YOLO offers this or not.

Aeon installment is a debt on it's own. For installments, you can't pay using CC. Unless you were saying the installment was tied to your Aeon card. Then you can opt for 0% Balance Transfer.

Noted and thanks. Kindly advise the way to pay PTPTN by credit card I wonder if my Essential will give cash back on that. Not sure if it is the right place to ask here.

Login to your Penyata Baki and pay from there.

Hi. I have owned credit cards for a few years but never actually understood how the interest is calculated.

From Maybank website, they say that they charge it based on the 12 previous month repayment habit. Does it mean on the 13th month's balance itself, they start to charge the monthly interest?

No late payment, no short payment then no interest.

What If for 12 months, we just pay minimum payment. So the interest is calculated at the end of 13th month correct?

Sorry, I'm not sure. I will let others to advise you. Interest is not something I'm interested in.
As far as I understand, interest kicks in immediately when you pay only minimum payment.

Outstanding = 1000

Paid = 50 ringgit minimum

Balance = 950

950 * 1.5% interest = 14.25

Total outstanding = 950 + 14.25 = 964.25

Thus, if you pay minimum, you will be slapped with automatic finance charge per month.

How come I don't see the interest in my statement?

Can share a copy of your statement then?

For CIMB I kena before once coz I paid 50 ringgit short -______-

Clearly stated in the statement = Finance charge = RM XX.XX

how can i call for annual fee waiver? before or after they charge to my card? I have an experience previously where they already charged to my card, only I call for waiver, they rejected.

Normally only call for waiver after they charged. If before charge they also can't do anything. They will ask u call again after charged.

U can just pay the fees if u really wan to retain the cards, or just cancel it (make sure u did not transact any after AF charged)

I currently owned UOB one card and the annual fee is coming within months. IS there any card similar to One card im using?

If my statement cut off date is on the 24th every month and the AF only get charged on the 1st July. Can I still transact after 24th June until 1st July? If i be excluded for not paying the AF (if i plan to cancel card) since no usage of the card after 1st July or the entire statement (25th Jun - 24th July) has to be empty?

why not just cancel it straight then?

If you are thinking of participating in any contest, once your card is cancelled, all cachback, reward points and winning are gone anyway.
Might as well use other card.

Just my 2 sen.

i like that card but if they refuse to waive my annual fee, i will consider cancelling.

Hi all, i need an advice and opinion from u guys here.

I'm just receive a call from "Takaful" that ask me whether want continue or terminate my visa/master card Personal Assurance(PA).

They said my last payment is from 2015 which is RM9XX, that ord waive from credit card company(ask them which bank they said no info for that).

Now if want to terminate will need to pay 1 year fee which is RM499.XX
else just pay another RM9XX to continue another 2 years.

I'm new for this issue, do u guys facing same issue like this before?

Thanks if can advice.

Did you knowingly sign up for it last time?

nope.. i dint sign anything about it..

they said that PA is offered by my visa/master card bank.

she some more belasah me, when u sign up credit card u dint read carefully what u sign d kah?..
then i reply her u got read thru every single word at ur credit card agreement d kah?.
then u she ya la, every credit card got PA punya......


but the sad thing is after knowing my card number, they already charge me the 1 year fee when i said i want to cancel that not continue.....

Contact the bank and ask them why was you being charged for it without your consent. Ask them to show proof (your application form if they insist that you have agreed or tick on it). Get it terminated and any charges waived.

Hi guys,

Anyone of you know what is "PYMT @CDM SG LONG SSC EO 0205"?

It's just eat my money RM3600.. not sure what's going on..






Thanks guys =)

cash withdrawal from ATM machine?

I never withdraw such huge amount and also i stay at pj..
The credit card itself is with me all the time..

u might want to call the bank to verify.

description looks like "payment" via CDM but it's treated as CREDIT, which is odd.

Better call bank to stop your card.

It's "Debit" not "credit".

This post has been edited by fruitie: May 31 2017, 09:32 AM

Hmm.. Thanks for the reply guys.. Guess i have to visit maybank tomorrow afternoon.. hope that i don't need to pay for that=="

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.