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?

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.

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..

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.

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.....

Hi all, if being rejected by credit card application, we have to wait for another 6 months to apply again?for examplemif i being rejected by hsbc , then i also cant apply creditncard from other bank for another 6 months?

Hey guys, is it legit/safe to apply credit card via ringgitplus.com ??

it will follow the amount that i pay right? for example the installment 100 and i pay 200 so the lock limit deduct 200?

Retailers can set a minimum amount for credit card use. Cannot!

But this one is tricky. Obviously, credit card companies want you to use your credit card for every purchase, all those small amounts add up for them.

However, retailers are hesitant as they face additional costs for accepting a credit card payment.

Contractually, retailers in Malaysia are not allowed to either impose a minimum amount or force you to pay a surcharge or fee for credit card usage.

Unfortunately, it happens all the time and it is hard to fight it if you are set to buy something. If you are upset, you could report the retailer to the bank who owns the retailer’s credit card terminal (see logo on the terminal or on your receipt).

Wanna ask:

Last time when I was working in Singapore, I applied Ambank World Mastercard (Requirement: RM120k p.a.) based on my income after conversion from SGD into RM and I got it.

However after I back to Malaysia to work recently, my income is RM3k++ per month. Will ambank downgrade my World Mastercard based on my current income which is around RM36k++ p.a. ?

Thanks

Hi guys, may I know when u all submitted online application for new credit card did u all cross the copy of ic email to bank? If needed how should it be done? Thanks..

Hi,

May I know if there is any thread or post discussing about credit card in Singapore?

Thanks

Dear all,
How many credit card can a person own ? Now myself have 4 from 4 different bank.

Saw an ads from Ringgitplus with goody & tempted to apply again.

Your salary below 36k p.a.? If yes, you only can hold credit cards from 2 issuer banks only.

Please see below FAQ:
https://www.citibank.com.my/english/citi-la...new-measure.htm

Thks for your answer but if a person earn more than 36K ? Can apply or there's a limit set by BNM ?

Quick question:

We are only allowed to apply for cc from 2 different banks if salary is less than 36k p.a.

What if, our salary is more than 36k p.a. and we hold cc from say 4 different banks but then we were retrench and now not earning anything.

Do we need to surrender all cc or reduce to 2 banks cc?

Is it possible to apply for 3rd issuer bank credit card when my salary is below 36k? I read somewhere, we can just apply, when approved only cancel one bank issuer credit card.

Thanks, meaning to say I will need to cancel first, before I apply? Or I can wait if it is approved or not, then only cancel.

No, I read before. Cancel after approval,  else if the third issuer doesn't approve, you will lose out?
I'm not sure how they force you to cancel one later, gotta check with banks first.

Alright, hence I will just inform the officer i already have 2 cards. See whether I am still eligible to get 1 from the bank. Thanks fruitie You read the same thing as mine. But just hope someone else could confirm.