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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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GrumpyNooby
post Feb 26 2020, 10:13 AM

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QUOTE(ongonglai89 @ Feb 26 2020, 09:53 AM)
How much % of cash back yolo entitled for boost?
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5% capped at RM 30.
GrumpyNooby
post Feb 27 2020, 10:27 AM

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QUOTE(yoonyin @ Feb 27 2020, 10:27 AM)
Hi all, not sure is this the correct place to ask.

Last time i was using CDM machine to pay CC payment or house loan. After you key in the CC number or Loan number, there is a splash screen give you and option Yes / No, something saying auto xxxxxxx (which i cant recall the term for that), then you only start placing your money into the machine.

What is the keyword for that? Thanks!
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UOB credit card?

Auto Apportion?

This post has been edited by GrumpyNooby: Feb 27 2020, 10:28 AM
GrumpyNooby
post Mar 6 2020, 05:56 PM

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QUOTE(voonmingloo @ Mar 6 2020, 05:51 PM)
no, can u teach jompay using credit card?
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Teach?
Need to teach JomPay?

This post has been edited by GrumpyNooby: Mar 6 2020, 06:14 PM
GrumpyNooby
post Mar 7 2020, 07:25 AM

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QUOTE(Human Nature @ Mar 6 2020, 06:01 PM)
Any action needed from cardholder side?
GrumpyNooby
post Mar 8 2020, 07:56 PM

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QUOTE(MixBlood @ Mar 8 2020, 07:54 PM)
Then if I used RM 3000 this month, must pay all RM 3000 before next month to avoid that interest?
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By payment due date stated in the bill.
GrumpyNooby
post Mar 11 2020, 10:04 PM

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QUOTE(MixBlood @ Mar 11 2020, 10:03 PM)
Thanks for the info  thumbup.gif
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CTOS gives you CTOS Score for the paid version.
CCRIS from BNM just raw data.
GrumpyNooby
post Mar 11 2020, 10:24 PM

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QUOTE(MixBlood @ Mar 11 2020, 10:21 PM)
U mean just like in picture below?

user posted image
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Yes, this is raw data (table) for CCRIS taken from BNM database.
GrumpyNooby
post Mar 11 2020, 10:33 PM

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QUOTE(MixBlood @ Mar 11 2020, 10:30 PM)
Sorry if this out of topic but I just want to know, what is the meaning of this number 1 and 2?

user posted image
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Missed or late repayments. The more arrears you have; the higher the chance loan providers will consider you to have a bad credit rating and not offer you any further credit.

How-to: Read Your CCRIS Report
https://www.imoney.my/articles/how-to-read-your-ccris-report

This post has been edited by GrumpyNooby: Mar 11 2020, 10:35 PM
GrumpyNooby
post May 3 2020, 02:28 PM

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QUOTE(Human Nature @ May 3 2020, 02:25 PM)
Oh okay, thanks for the info. Will leave it as it is then.
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Which bank is that? hmm.gif
GrumpyNooby
post May 16 2020, 09:59 AM

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QUOTE(Savor_Savvy @ May 16 2020, 09:53 AM)
Hello.

Maybank CC

My statement balance is RM472.69
My minimum payment is RM263.70
Statement Date: 6 May 2020
Due Date: 26 May 2020

Minimum Payment is high. Why is it so?
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Any running installement or BT?
GrumpyNooby
post May 16 2020, 07:25 PM

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QUOTE(airtawarian @ May 16 2020, 07:22 PM)
Guy If this month I purchase 2k
Then Next month statement Come I only pay 2k. I no need pay Anything else?


New to cc

Another thing I received cc Last 2 mths not yet activate. Any issue Later?
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When statement/bill generated, pay accordingly to the amount in the bill by payment due date.

GrumpyNooby
post May 16 2020, 07:30 PM

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QUOTE(airtawarian @ May 16 2020, 07:28 PM)
Will statement charge Anything else If I only purchase 2k and pay on time?
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If I say yes now, then in the middle till statement date you make new swipes, how?
GrumpyNooby
post May 16 2020, 09:43 PM

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QUOTE(airtawarian @ May 16 2020, 09:42 PM)
Boss, they charge this is For What? When should I pay Since My card not yet activate? My cc is Mayb 2 card gold and AMEX
user posted image
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Government Service Tax for government.
You can offset it by redeeming 10k TP

This post has been edited by GrumpyNooby: May 16 2020, 09:43 PM
GrumpyNooby
post May 16 2020, 09:47 PM

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QUOTE(airtawarian @ May 16 2020, 09:46 PM)
So i should pay Now or After I collect 10k only pay? Can pay end of the year? Any penalti impose?
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It'll appear in the statement balance.
If you ignore it, it'll subject to daily interest charge after payment due date.
GrumpyNooby
post May 16 2020, 11:37 PM

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QUOTE(cucikaki @ May 16 2020, 11:30 PM)
I have CC  with following banks:

SCB
UOB
OCBC
Alliance
Ambank
RHB
HLB
PBB
Aeon

Does anyone has experience requesting change of card number (hence the need to reissue a new card) without the need to pay RM50.

I was asking SCB last Friday and that they said if I believe my info has been compromised (especially when u sign up for Gym/Coway/Cuckoo they always photocopy your credit card front part) then you can request so for free of charge - the number will change too. Even there's never unauthorised charges on it.
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So easy, just report lost or stolen card.
GrumpyNooby
post May 17 2020, 01:49 AM

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QUOTE(cucikaki @ May 17 2020, 12:35 AM)
Without paying rm50
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Yes.
Alternatively you can use chip faulty excuse but that may not achieve your goal of changing the card number.
Only security threat or potentially compromise event would trigger for card number change which is normally fraud/scam cases but not limited to lost or stolen card.

This post has been edited by GrumpyNooby: May 17 2020, 01:58 AM
GrumpyNooby
post Jun 15 2020, 09:40 AM

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QUOTE(1tanmee @ Jun 15 2020, 09:39 AM)
For merchant refunds right, the money shall be sent back to CC, or to my bank account?
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Back to CC you made your transaction with.
GrumpyNooby
post Jun 23 2020, 06:24 PM

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QUOTE(Ulysses @ Jun 23 2020, 06:19 PM)
Hi. anyone using CIMB CC here?
I wanna ask about the outstanding balance in Cimbclicks app... if its green color, its that means its extra money, or amount that I need to pay?

Im confuse abit.    are CIMB click using red for negative,& green for positive?  On saving, its color green.

user posted image

& my current limit shown this? am I on debt or on extra money? I think I paid extra

user posted image
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-64.85 meaning you have credit adjustment; could be from rebate or refund.
GrumpyNooby
post Jul 16 2020, 02:04 PM

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QUOTE(whycanot323 @ Jul 16 2020, 01:56 PM)
im looking to switch my fcb to affin vs for the 3% cb...
wanna check, as long as using paywave, all kind of transaction will entitle 3% right?
no min spend , no first come first serve every month for cb ... right?
anything to know before i apply?
lazy to go for line by line TnC.............................. dont shoot me haha
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Enjoy 3% cash back on all contactless transactions*, capped at RM80 per month
*excluding government services and charity transactions

https://www.affinonline.com/tap_for_cash_back
GrumpyNooby
post Jul 29 2020, 04:26 PM

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QUOTE(AceSmith @ Jul 29 2020, 04:26 PM)
Just wondering anyone successful get SST (Service Tax) waived for credit card for 2nd years+?
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It depends on the respecitve bank.


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