Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 May 5 2017, 08:18 AM
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#1
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Senior Member
4,404 posts Joined: Jun 2012   
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QUOTE(hirano @ May 5 2017, 08:01 AM) Does purchasing airline tickets via their website counts as "online purchase"? Would i be able to get cashback if i use CIMB cashback card for this? No CB on Air Ticket with CIMB CR |
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Aug 6 2017, 07:10 AM
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#2
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4,404 posts Joined: Jun 2012
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QUOTE(eddievh @ Aug 5 2017, 10:00 PM) For pb cc if spoiled can't read chips info request new card get charge or not ? If CHIPs Rosak then, a Replacement will be FOC |
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Aug 6 2017, 08:46 PM
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#3
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4,404 posts Joined: Jun 2012
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QUOTE(SzeMeng76 @ Aug 6 2017, 06:31 PM) Going trip to Bangkok, do anyone know which bank credit card provide best exchange rate if I swipe card overseas? PBB, Ambank, Aeon |
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Aug 13 2017, 04:05 PM
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#4
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4,404 posts Joined: Jun 2012
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QUOTE(zftrans @ Aug 13 2017, 01:18 PM) I do not have any commitments at the minute (loans/CC/PTPTN), how would this affect my CC application? they seen you do not got a stable job yet becos jz out work...Thanks again. Hence of this, they want to make sure the Applicant got a Stable job with Ability to repay Debt 1st, only they grant you a Credit Card. This post has been edited by fly126: Aug 13 2017, 04:20 PM |
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Aug 16 2017, 12:08 PM
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#5
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4,404 posts Joined: Jun 2012
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QUOTE(rae0724 @ Aug 16 2017, 11:46 AM) i want to apply public bank credit card (mainly for balancae transfer) Reason of CC Rejectionbut fail  want to ask what reason may affected the failure of applying? housing loan? bank statement? https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html |
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Sep 27 2017, 08:53 PM
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#6
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4,404 posts Joined: Jun 2012
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QUOTE(fruitie @ Sep 27 2017, 05:32 PM) Where got so many banks, I think 8-9 banks for my case. Now, let me see how many card you got here...   Sis, You got CC from MBB, Citi, HSBC, HLB, CIMB, SCB, UOB, betul tak ?   |
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Sep 28 2017, 08:14 PM
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#7
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4,404 posts Joined: Jun 2012
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QUOTE(judehow @ Sep 28 2017, 07:03 PM) So many card if a person apply this . I am really seriously want to know how she or he managed the expense So far debts still Manageable, 0 Outstanding Balance Fully Paid monthly. However, got Cash Installment with Bank & CCRIS Report All cantik2   Ya, Most of Us X carried ALL the CC Out Can't Feed All into 1 Wallet Even Though I got Carried 1 Wallet +1 Cardholder pun tak bawa semuanya keluar. If Tarik All the Card Out boleh Sampai ke Lantai...   btw, I got... 2X (Citi, HSBC, UOB, HLB, SCB) + (MBB Ikhwan 2Cards + MBB 3Cards) + 1X (OCBC, AMEX Charge Card) QUOTE(fruitie @ Sep 28 2017, 07:06 PM) Many of the seasoned users here have that many cards or more than me. I don't use all, most of them are kept in the drawer and only take out to use when required. Betul... In my wallet, I only keep a few frequently used cards.  This post has been edited by fly126: Sep 28 2017, 08:17 PM |
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Sep 28 2017, 08:53 PM
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#8
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(judehow @ Sep 28 2017, 08:30 PM) I have this Maybank 2 gold , went ever I pay the outstanding balance the digits did not change went make early payment 😥 is difficult for me every time need check with bank is my money in a not Today Masuk $$$, besok baru Check payment sure update already... That's what I do Everytime, No confuse...This post has been edited by fly126: Sep 28 2017, 08:54 PM |
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Oct 13 2017, 06:43 PM
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#9
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(EXkurogane @ Oct 13 2017, 06:28 PM) Hi, regarding Maybank's 2 Gold cards (Visa & Amex), in Maybank2u online when I check on the details, each card has a given limit of 8000. Does that mean the total limit is 16k, or just 8k? Jz CL 8K shared with Your MBB 2Cards (Visa+ Amex) |
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Oct 30 2017, 02:03 AM
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#10
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(curry1221 @ Oct 30 2017, 12:01 AM) i have a question for sifu here No Credit Card for Blacklisted... currently i am blacklist in the bank negara system some bank i am doing the repayment and some still stuck w balance payment as i need to have credit cards for my job purpose i have the following question. currently i have the fix deposit of rm 15,000 and i would like to know whether i can pledge my fix deposit to get a credit card approval? hope sifu here can give me some answer  |
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Jan 26 2018, 11:49 AM
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#11
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4,404 posts Joined: Jun 2012
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QUOTE(Halls1234 @ Jan 26 2018, 11:22 AM) Hi Sifus, The bank not update your latest Credit History yet & need 2-3 month to doit, that why you get Rejection from others.Need some advise.. One month ago (Aprox.) i cleared 2 of my cc and called to cancel it both and still keeping one more cc (CL is not very high). So as usual they are very slow in cancelling the card. I called to CS and they said will proceed with my cancellation and i need wait for a call to verify the cancellation. The whole process took almost 1 month. Now is the problem, i try to apply for HSBC cc and it got rejected. Hence i tried to get answer why it was rejected but they ask me to walk in or write a letter (LETTER?? dei its 2018, nvm). My income is definitely more than RM30,000 annual requirement. I have no late Hire purchase payment records, nor any PTPTN blacklist. Hence i suspect that my credit info still updated in BNM hence rejection. Any advise? i cant afford to have it rejected and need wait 6 months to reapply. Try apply again 6 months later... |
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Jan 26 2018, 12:09 PM
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#12
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4,404 posts Joined: Jun 2012
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QUOTE(Halls1234 @ Jan 26 2018, 11:59 AM) Can i appeal the application? This thing can't be Rush also they don't have Obligation to write it for you.I mean they need to let me know the rejection reason izzit because of my cards are still reflecting in my credit report or because of my commitments. Maybe i can get the bank (the cc that i cancelled) to get me a letter that i already cancel the cards? Will that help? Thanks. Sorry to say that you got apply 6 months later... |
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Feb 23 2018, 11:36 PM
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#13
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4,404 posts Joined: Jun 2012
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QUOTE(watabakiu @ Feb 23 2018, 10:03 PM) means on april can still use or cannot edi? Still valid can Use till tamat tempoh... they usually already sent out the Replacement Card to card holder a month before your Card Expiry month/ Date. Once you have Activated the Replacement the OLD one automatically tak boleh pakai liao |
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Mar 27 2018, 03:14 PM
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#14
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4,404 posts Joined: Jun 2012
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https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
Try apply thru FD Pledging for Credit Card to Built up your Credit History 1st then year later you may try to apply Credit card by Normal Procedure (your Salary income). |
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Aug 11 2018, 10:12 AM
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#15
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4,404 posts Joined: Jun 2012
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QUOTE(danny1221 @ Aug 11 2018, 10:00 AM) if i settle all my debt by 5th august Better try 3 months later...by when i will be able to apply credit cards again and get approve? if with different bank.........................how long period should i wait before i apply again as my ccris is clear already.......................zero debt |
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Aug 11 2018, 08:58 PM
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#16
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4,404 posts Joined: Jun 2012
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QUOTE(1hoohoo1 @ Aug 11 2018, 08:39 PM) I had been rejected by 2 bank (Alliance & Citibank) for credit card application in recent 3 months. I wonder why. Maybe the Rejection Reasons will be... Currently have 4 cards: PBB Quantum, Maybank 2 Gold, MBB FCB, RHB Smart Value. Exceeded the total Credit Limit for my salary??? You Don't Earn Enough or You Already Have Too Many Credit Cards or You Applied for Too Many Credit Cards At Once |
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Aug 28 2018, 06:22 PM
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#17
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4,404 posts Joined: Jun 2012
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QUOTE(yongs90 @ Aug 28 2018, 03:23 PM) credit card statement date: 27th aug 2018 Nil Cash back, if you cancel your card on Sept.credit card payment due date: 16th sept 2018 so transactions from 28th jul 2018 till 27th aug 2018 will be computed. cashback for transaction from 28th jul 2018 till 27th aug 2018 will be computed. if cashback is based on spending eg. 1st RM5000, cashback 0.6% Next spending, cashback 1% so, if I've already spend RM7000 from 28th jul 2018 till 27th aug 2018. RM5000, cashback 0.6% = RM30 RM2000, cashback 1% = RM20 What if I spend another RM3000 on 28th Aug 2018? Will I receive cashback of 0.6% or 1%? Assuming that the card is terminated on 1st September 2018. QUOTE(realitec @ Aug 28 2018, 05:15 PM) Understand that you are referring to Essential Card (Hong Leong Bank). Upon checking with the customer service through chat, you will receive 0.6% on 28th Aug 2018. Going forward, you may always check with the livechat, they will response you in a short time. Only 0.6% x $3000 = $18CB will credit by the next statement Thanks, hope it helps. (27 Sept.2018) This post has been edited by fly126: Aug 28 2018, 06:27 PM |
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Sep 17 2018, 10:02 PM
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#18
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4,404 posts Joined: Jun 2012
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QUOTE(w3sley @ Sep 17 2018, 04:51 PM) Do we have a thread on what is the best value for the exchange of credit card points? Nope.Thanks! |
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Sep 20 2018, 09:28 PM
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#19
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4,404 posts Joined: Jun 2012
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QUOTE(watabakiu @ Sep 20 2018, 07:32 PM) Any1? Different Bank will have their different Practice...  IMPORTANT NOTICE FAQs (Citibank) What is this change on Over Limit ? The Over Limit calculation will be based on the total outstanding balance and any unbilled installments (e.g. Easy Payment Plan) on all your Citibank credit card(s) against your Customer Credit Limit. Unbilled installments refer to the outstanding installment balance of a payment plan e.g. Easy Payment Plan which has not been billed yet on your credit card account(s). When will this be implemented ? This will be implemented effective 24th August 2014. How will this affect me ? If you have one Citibank credit card, this change will not affect you. If you have more than one Citibank credit card, kindly ensure that the total outstanding balance and any unbilled installments (e.g. Easy Payment Plan) on all your Citibank credit card(s) does not exceed your assigned Customer Credit Limit to prevent any possible disruption to your credit card usage and Over Limit charges of RM25. How much is the Over Limit fee ? The Over Limit Fee remains at RM25 per month of Over Limit. Will this affect my existing credit limit ? There is no change to your Customer Credit Limit, which is the total credit limit assigned to you across all your Citibank credit card(s) and you still can spend within your Customer Credit Limit amount. Do I have an option not to allow my credit card spending to go beyond my Customer Credit Limit ? If you do not want the flexibility to spend beyond your Customer Credit Limit, you may contact Citiphone to make the necessary request. How do I know if my account is Over Limit ? You can refer to your credit card monthly statement for the Over Limit amount (if any). For customers with more than one Citibank credit card, the summary page will show the overall summary of your different credit card accounts inclusive of the Over Limit amount (if any). |
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Oct 10 2018, 12:47 PM
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#20
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4,404 posts Joined: Jun 2012
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QUOTE(Gabriel03 @ Oct 9 2018, 10:08 PM) Anyone has a general idea on how the bank calculate debt to service ratio? http://www.bankislam.com.my/home/calculato...tio-calculator/For example, i have several credit cards when I have done some BTs. Some of them last 12 months while other 6 months. How do the bank know how much I am paying? If they check my CCRIS Report, all they can know is high outstanding balance but they won't know if it is from BT or I spend a lot during that month? All they can know is if pay all my bills on time. |
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