https://www.mastercard.com.my/en-my/consume...ontactless.html

Be rewarded for paying with tap & go
Use Mastercard contactless and enjoy bountiful rewards when you catch
our truck at selected malls in Klang Valley over the weekends.

Ummm looks like it. I just saw the ad on Facebook that links to mastercard.com.my. Thought might be beneficial to people who happen to go these malls.

Banks try to minimize their exposure to NPL. By reducing risk, some good customers are rejected while some risky ones were accepted. I've been rejected before even with a decent job and income, and was the bank who asked me to apply.

If you really need one, probably have to pledge some FD. Or your company's bank?

From what I've read, that's your best choice. From some tests I just did, having no credit cards give me a lower score than getting 6+ new cards in the past 3 months.

I always feel this credit score thingy is overrated, but unfortunately, have to go with the flow.

Just a hunch. After deducting your monthly commitments, i.e. PTPTN + car loan + Ikhwan, do you have a lot of leftover to pay for another credit card? If not a lot of leftover, maybe they're not interested.

Maybe they also feel cannot make much money from you.

Shopping mall promoters, not sure. I think you stand a higher chance with Compare Hero than promoters. If your credit card history is only 3 months, maybe that's the reason loh. I've had years also rejected by some banks. I think they're not bothered to give the reasons, because if they do, everyone wants to know. A lot of work for them and cannot make money out of it.

From what I've read, Maybank Islamic is an entity separate from Maybank. So it's possible to get your 2 cards but not Ikhwan. From what I've read here, you can appeal to transfer some of your credit limit from 2 cards to Ikhwan.

Personal opinion : If this is still rejected, then I think maybe it's because you terminated the Visa. They can't stop you from terminating the Visa card, but they can stop you from applying new cards.

RHB is giving 0% for 12 months up to 15k, drawn from your credit card. New-to-bank customer only But have to wait for them to call you upon approval. I don't know if they call everyone or selected customer.

From what I read here, it's already very difficult for fresh grads to get credit cards, unless you're a doctor or dentist. If your business doing well, maybe can try.

Otherwise, I think pledge with Fixed Deposit. Check out the charges (stamping etc) and see worth the gifts or not

I know public bank can. Other banks have to wait for others to reply. Pledge fd does not mean your application will be successful though.

Not sure where to post this, but :

Please be informed that effective 1st June 2019, our PayOnline service will be discontinued and we will no longer be accepting payment for any bill(s) via PayOnline(“www.payonline.com.my”).

very welcome, bro.

This post has been edited by beLIEve: Mar 23 2019, 11:39 AM

iCard coming soon. US first.

https://www.cnet.com/news/apple-card-after-...tes-one-iphone/

errr yes bro. Now this is what I call Challenge Banking (but still, they are working with Goldman)

anyone applied OCBC credit cards recently? Did you have to collect at their branch or do they mail it to you? From the application form, it seemed that I need to specify a branch.

i asked them just now, they say for safety, must pick up from branch. contemplating to call off my application since i haven't submit yet.

not so near.

ok thanks. i'll ask them again.

罪該萬死

https://www.thestar.com.my/business/busines...cing-repayments

The Association of Banks in Malaysia (ABM) said its member banks will now cease charging fees for cheque and cash payments for credit card and financing repayments over the counter and at Cash Deposit Machines (CDMs).

In a statement Thursday, ABM said currently certain customer segments were already waived from these charges i.e. for disabled persons and senior citizens.

For walk-in customers, there are available free and convenient alternatives to conduct banking transactions and obtain services as provided via automated teller machines (ATMs).

“Our member banks will be communicating with their customers via their respective communication touchpoints (including the banks’ websites) and are ready to assist their customers to familiarise themselves with these alternative channels or on any queries they may have in relation to this matter, ” it said.

The Star reported today that the fee for making credit card and loan payments over the counter with cash or cheques is RM2 per transaction.

A customer who pays his loan or credit card bill by using cash or cheque deposit machines is charged 50 sen each time.

https://www.thestar.com.my/business/busines...ive-data-breach

Autopay is processed every Monday. So you have a few days to play with it unless you are at a state that works on Sunday.