if u restructure ptptn loan it will become restructured debt, will be harder applying credit card in the future
one of my friend restructured his ptptn loan and till now can't get credit card

tried to apply MBB CC past month few times.. but keeps getting rejected. Wanted to apply CC with MBB since salary account is with them & easier to pay back.. Applied through cold calls, walk in branch & via email all rejected for Ikhwan Gold, 2 Gold & Shopee

Then started to get cold calls from Affin & AEON, rejected Affin's offer & accept AEON Classic's, an hour later got call again counteroffer with Gold one.. straightforward approve same day in evening.

Also applied for CIMB Cashback plat.. was thinking will get rejected since used to apply h/p for car & they rejected.. waited 20 days & got call approved

has MBB always been very strict in approving CC app?

General question. Cards in general.

Why do merchants always say "30 minutes b4 12am" and after 12am cannot use card to pay, only cash?

This doesn't make any sense. If right now is 12am MYT and I'm @ somewhere in the world that's 3pm, does that mean my MY issued card wont work? Ridiculous isn't it? It for sure will pass right?

I've tried on small merchants (mamak) up to big merchants (McD) and they have this same practice. Any one with the knowledge, please enlighten me. I really hate that places I'm paying now don't accept cards 30 mins b4 and past 12am.

Terminal receipt i need to look from merchant side ? This one is my receipt.usually if installment will be written how many months right

https://ibb.co/s2XX09Y

The merchant did refund me and redo the transaction.receipt already mentioned 24 months installment

Transaction date on 3rd of october.untill today still not converted .call banks it is not in installment.fucking hsbc scammer..

Can i report to BNM ? I have the proof which is the receipt.

Want to ask below situation, whether my understanding is correct:
Let's say my card have CL of 12k, start with 0 balance (assume installment no charges, interest)
Day 1 spend 12k, convert into 12 month installment (1k x12)
Day 2 pay credit card 6k
Day 3 spend 6k, convert into 12 month installment (0.5k x12)

What happens now as the payment of 6k exceed the amount of both installment? (1.5k)
As in statement will end up -4.5k? In that case no need to pay statement balance for a few months as long as it stays negative?

I went back to merchant after about 10 days .merchant refunded me personally on the spot.and redo the installment.the staff did admitted her mistake not choosing installment when doing payment so the boss is okay to do again the transaction in installment manner.

Yup hsbc card.i did have the proof on the receipt.the 2nd transaction which clearly mentioned 24 months installment..do bank deserve to reject the installment ? Why so stingy one.i only have one installment with hsbc and this is 2nd one.maybank so far no issue and i have total 4 installment with them

Yup thats why.maybe thats the reason bank tak puas hati tak approve my installment then...13th is my statment date .if by that date still not in installment,i dont know what else to do.maybe just BT

Note to member (and everyone else) that I disapprove the use of vulgarity anywhere in this forum and not to mix this with freedom of expression.

Now to answer your question, it may take a while before the transaction is reverted. The same way any cc transaction need to be posted by the merchant to the bank, this applies here too.

Not to be mistaken that it is not as simple as converting the transaction to be installment. The process involved the merchant cancelling the original transaction and creating a new one as an installment. Next the merchant need to post these 2 transactions and if I am not mistaken merchant have up to 180 days to do so. And your transaction  will remain status quo until the merchant have done so.

HSBC captures these information electronically when they are posted. Please understand the process of how these transactions work and not blatantly throwing profanities. Anyone would be upset but doing that here would not solve your problems.

Sorry newbie question, can i topup tng ewallet rm500 then convert the amount to epp 0%? Citibank cashback card

hi I’m a newbie I just get my Hong Leong wise card. I want to ask that if I reload tng via credit card for cashback purpose. Then I should not cash out to my bank immediately to avoid banned right? What if I keep the money in go+ , then cash out about 2 weeks later, is it ok?

Question: Got a new credit card this past August, cancelled another one last month, applied for another credit card this month that got rejected.

If I were to apply for a different credit card from a different bank, should I wait a few months before trying? TIA

Hi sifus, if i pay unifi on lazada or shopee with the Maybank Islamic Ikhwan American Express, is eligible for the cashback?

Whats your recommendations for prepaid card and virtual card? Need prepaid card for elderly to make contactless payments without using a smartphone. Need virtual card for myself for online shopping.
I'm looking at bigpay since the annual fee is zero if there is at least one payment every month.

This is called concierge service which many premier cards offer as well. So far, I still haven't tried it out and plan to use it next time. I don't have Voyage Card but I'm referring to my other premier cards.

Why illegal? It is a service provided for premier card holders.

Hi.

Not sure if this a correct place to ask but I'll ask anyway

Last week when walking a mall there's a Citi booth offering TnG credit for welcome gift. I sign up for most lowest card there. I think the requirements are RM2000/m salary. I'm signing up just for the sake of the welcome gift. Unfortunately today I just read the email it got rejected. I just want to know what might be the reason.

My salary is RM6000/m (not include commissions etc. Sometimes that months no commission, received basic salary only) which meet the minimum requirements. Never had a credit card before tho. I do have 100k ASB & 40k PTPTN, both are auto debit. Never missed any payment. Just curious what you guys think might be the reason for that.

I applied for the lowest one that time. Maybe need to start having a credit card. But how to get a card before having credit card. Haha
I could say my debt salary ratio is healthy for now. No car/motorcycle loan, no house loan, in fact no other loan except for ASB (RM443) & PTPTN (RM130).

I work for a foreign company (Switzerland company), no company address in Malaysia. I tried to apply foreign and local banks, they rejected me because of no company address in Malaysia. Is there any way around this?

So, 2 days ago, relative renewed driving license at post office and can pay by credit card.

Post office inside 1 utama. Is this a normal trend?

The one near my house is cash only. Last visit 3 months ago.

possible, as POS Malaysia is doing digital transformation to their payment channels.

better try survey other POS outlets see if they doing the same.

If my statement balance is rm1000, paid rm800 before due date, balance rm200 unpaid, when I receive my next statement, credit card interest is charged based in rm1000 or rm200?

Alliance bank charged me based on rm1000, called in they say will waive for me subject to approval . wtf.