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?

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.

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

Hi,

Finally i got my Essential HLB Credit Card. Want to ask if i pay only the minimum fee Rm50. Let's say my Statement Balance Rm200. The interested is based on RM150 or Rm200?

Thank you.

HI,

I am currently having an Essential Credit Card from HLB and recently got my MACH Credit Card approved from HLB. However, I am travelling to Kuala Lumpur on Friday and wishing to swipe my Hotel's payment with my MACH for more cash back. But in this case, i do not received my MACH credit card yet, is it possible to get my CVV from HLB so i can fill in my credit card detail thru booking.com? Meanwhile, i have seen my MACH credit card appeared on my HLB Connect. Please advise.

Thank you.

Note down their merchant bank and lodge report!

Hi all,

I am staying in a hotel costing rm200 per night. However, they required rm200 as deposit. Hence, they swiped rm400 of my credit card which i received the message alert and also the printed slip. Upon checking out hotel, they will charge the actual amount which is rm 200 right? If yes, what do they do with the rm400 they swiped my card earlier? Do they tear off the paper? Or refund. Sorry its my first time paying deposit with credit card, normally they ask for cash.

Thanks in advance.

Woah. Thats prompt response. What do you mean by refund on credit card machine. Do i received any written paper writing in regards of refund?

Thanks again.

I think he meant prepaid cards.

But there are some banks who don't give cash back for credit card. Rather, they give real money as they call it. They will keep and hold the cash back money for u. And you can withdraw that money if you want. If not then that money will earn interest. Can't remember which card liao. Got one....

guys i have a question.

i plan to purchase macbook for 9k... they have installment interest free for 12 months.
bank will lock 9k from my credit card.

but if i purchase online ill get rm400 student discount..this also will lock 9k from my cc

this may be a silly question but wouldnt it be cheaper to buy the online price and pay the monthly minimum payment for cc? rather than opt for physical shop 12-month interest free tq

*plan to buy, still in consideration, not that rich

If kena reject from Maybank for application, when should I re-apply? Because I think they reject because I dont have any car loan atm, so got no credit history, but now maybe now that I have a car loan at hand, they can check my credit history

how do i pay citibank cc payment bill if i dont have a citibank acc? can i pay thru cimb clicks /mbb2u??

hey guys, usually bank will base on basic salary to determine the requirement entry for certain status CC is it?

Or based on gross salary inclusive allowance etc ...

Any reason why when I apply for a credit card.

The bank supplies to me both Visa and American Express?

For pb cc if spoiled can't read chips info request new card get charge or not ?

Good for you and that could also mean my PBB application was rejected not due to the tunggakan issue.
Not sure what then and lazy to re-apply now, will do it next year.

Lazada KUALA LUMPUR MYS  41.60  DR
DOMINO'S PIZZA SELANGOR MYS  33.00  DR
Lazada KUALA LUMPUR MYS  85.00  DR
BETTER WORLD BOOKS US  74.06  DR

(DGP) CASH BACK BONUS  5.35  CR

I'm using PB Quantum MC. Supposedly I have 5% cashback. Why do I get RM5 only for 200+ transactions? Anyone has any idea?

Is it risky to have 9 credit cards on hands?

Actively I am using several cards
- Maybank 2 cards plat (weekend dining cashback)
- cimb cash back plat (online purchase)
- maybank islamic plat petronas ikhwan (8% weekend cashback for petronas)
- maybank islamic gold ikhwan (lazy upgrade to plat, same benefit, friday sat cashback)
- public bank petron gold visa (ringgitplus rm200 lazada promo, cancel soon)
- aeon gold visa (travel insuracen & PPL access)
- hsbc amanah (gobear rm300 lazada promo, cancel soon)
- standard chartered justone plat (smarttag + rm50 from ringgitplus, cancel soon)

taking out 3 cards cancelling soon, I still have 6 cards tho. Ppl always ask me why I so many cards, I blame them dono utilize the benefits that is out there.