Have you paid the full outstanding amount?

In my case, previously I had some outstanding as well. I cleared all outstanding amount and paid the monthly payment accordingly. After more than 6 months, I applied for CIMB cc and it was approved. From there, I applied for Maybank and got it approved as well.

Before applying for the cc, I checked my CCRIS report to ensure that I no longer had any outstanding / overdue payment with any financial institution.

Regardless, a clean record still doesn't guarantee that you application will be approved.

I believe you should give it a try.

You said you have tertunggak about 3.5k right? Have you paid the tertunggak?

In my earlier reply, what I meant by outstanding is your tertunggak balance and not your full loan amount.

AFAIK, the last time I asked PTPTN (last year), it seems that for example, in your case, if you have around 3.5k outstanding and you've started paying for a few months now, the payment you made will be used to pay off/offset the tertunggak/outstanding balance, not your current monthly payment. This also means your CCRIS report will still show you have late/outstanding payment. It will only start to pay off your monthly repayment once there's no more outstanding and that's when your CCRIS report will be better.

You have two choice:

1. If you can afford to pay the outstanding/tertunggak then pay it off and start paying according to the repayment schedule from the following month.

2. If you can't afford to pay whatever outstanding/tertunggak balance you have, then you are advised to walk in to the nearest PTPTN office in order to reschedule your full loan amount. There are possibilities that they'd be able to reschedule your loan without paying any upfront payment to offset your outstanding but the monthly repayment will be higher.

The logic is pretty simple. We should keep our card as best as we can just as how we would keep our wallet that's full of cash as safe as we can. You see, when you bring cash, say RM500 at any given time and your wallet is stolen, you lose your cash immediately unless you are able to catch the thief and get your belongings back in which happens very very rarely.

Meanwhile, with credit & debit card, you have some sort of security. First of all, the wave function only allows payment RM250 and below without pin. So if you were to lose your card, the max amount the thief would be able to use would be RM250 max. The best part is, if you are quick to aware that your card has been stolen, you should call the bank promptly to block the card. This buys you some time. I believe anyone who steals other people belongings will immediately go as far as they can to avoid being caught hence the time they take could be useful for us to quickly call the bank. Well, let's say your phone was stolen as well, you could always get anyone's help to borrow their phone and make a quick call to the bank to block your card.

It's our perception towards these cards that's important. Of course banks are always finding ways to improve the safety of the cards but it doesn't mean that we shouldn't take any action on our end.

Also, PIN based cards/transaction is definitely more secured than signature based as signature base cards do not have any limit as the pay wave mentioned above and your signature will be behind your card which could take a few minutes for anyone to quickly learn to forge your signature. Furthermore not to mention that majority of merchants previously do not even bother to check/compare the signature on the transaction slip vs the signature behind the card. With PIN, it's near impossible for anyone to guess your PIN especially if they do not have any background about you (sometimes some people tend to use DOB as PIN number).

Is there any local/foreign website now that won't request for OTP/MSOS code?

fruitie any thoughts on this?

Thanks for the information.

First, how do we disable CNP? By calling CS?

By disabling CNP, does this means that online payment won't go through and only physical card swipe will be approved?

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?

This is perfect! Finally...

OT: The word "settlement" immediately made me remembered my case around 3 years ago when I used my debit card to purchase groceries at Mydin.

The transaction initially went through as usual but a few days after the transaction was posted, the charges was reversed. I called the bank and was told the merchant had issues with it's settlement and they will charge the initial amount again. At that time I felt like shit because the charges was reversed to my SA and was charged again as they wished.

My concern was for people who were not aware of the incident and had accidentally used the money which was reversed. I don't know how they would charge again if there isn't enough money in the person's SA.

If the TNB account is not under our name (account under owner's name), can still use this app?

Just sharing what I've been seeing around, not assuming.

Maybank is the most widely accepted bank to do EPP in Malaysia.

Well, perhaps others have a different perspective on this.

Guys, I need some clarification. I've already asked these questions to Maybank and waiting for their response but I want to know if this is the norm or it just happened to me.

Recently I applied for a Maybank supplementary card and it seems that the supplementary card isn't showing its own credit limit but it's showing the primary card credit limit. Is this normal?

The MSOS code for any payment is also being sent out to the primary card phone no instead of the phone no of the supplementary card owner. Is this also normal?