Just wondering, can i put a customize max credit card charge limit per month? Im new to cc and just looking to get cash back for my normal expense. So im looking for ways to help limit the charge up until the cb cap.

For example pbb quantum cc, i would like set the cap at rm600 because of the 5% cb with rm30 cap.

And would there any issue if i made a payment in advance(before statment)? As in it wont affect cb or anything right? Essentially, if i can implement these two thing above, i would like to turn the cc to behave a similiar way as a prepaid card.

A few question about hong leong bank air asia cc:

1) does using it on Shopee purchase count as overseas transaction currently?

2) Is it worth topping up using airasia cc through shoppee if someone selling bigpay reload service with 2% service charge? Or is it better to just using the hlb airasia platinum to reload bigpay directly? I feel its better to reload through shopee if shopee purchases count as overseas spending.due to the better conversion rate to airmiles

3) let's say im automatically upgrade to platinum membership in bigpoint, Does it then mean i need to get 25 sector flown to be update to black membership? And if o get updated to black near the end of the annual cycle, the status can be carried forward to next year right? As in i dont need to start from scratch?

I was watching video about credit card in the USA and it seems that people in the USA were able to get credit card that is above their income level as long as they have a good credit score. Would this be applicable in malaysia as well? For example maybe my annual income is around rm60k, if i have a good credit history would i get approve for maybe maybank visa signature(70k) maybank 2 premier?

First time i’ve heard of fd pledge. Seems not worth it because bank fd rate of return are quite low by it self. I guess ill look into other option for easier earn rewards. Thanks for the info

Any maybank or public bank booth set up in putrajaya/cyberjaya area on 11 dec 19?

Does maybank still have a permanent cc booth at 1 utama? What's the current gift?

And does public bank have a permanent credit card booth?

Maybe you can take a look at hong leong bank airasia gold/platinum credit card

Just curious, for point system. Is there any credit card that have point system that give value that is equivalent to 4% or more cashback in its rewards catalogue?

So far if i were to convert the point to electronic, the value is around 0.5% to 1.3%. Makes me wonder wouldn’t it be better to save money from cash back cc and just buy the electronic outright rather than using the point? Cash back cap can be bypass by having multiple credit card anyway.

So for point system, the best value are for airmiles only? If yes what’s the typical return if compared to cash back %?

This post has been edited by iqlas: Dec 15 2019, 09:40 AM

How long of credit card usage for ctos to have enough data to generate report and if CC payment is made before the issuance of monthly statement, would that contribute to the score as well? Or there's need to be a a balance in the statment?

I keep getting rejected in my new credit card application
Does having alot of current credit card can contribute to being rejected? My credit score is high and my income is above the min requirement of the new cc im applying for.

Currently im having 5 credit card. Maybank2 card, public bank quantum and one others. Both of these come in 2 card and have portion that i dont really use for example non amex portion of maybank card and non online portion of public bank quantum. Hence just wondering if i close/deactivated the card that idont use that much, would it help in applying for new cc that is more useful?

Nope, i dont have any loans

Nope, my annual income is higher than that. I think most likely due to overall credit limit as mentioned by previous poster. Since i've several credit card from different bank, i need to reduce my credit limit first from my current bank before requesting any credit facilities from different banks. Most likely a risk prevention from the bank.

This post has been edited by iqlas: Oct 21 2020, 02:01 PM

I have a few question

1) i already have MBB 2 plat. Is it possible to apply for MBB 2 gold and would the monthly cashback cap be separate between the plat and gold?

2) the amex weekday 5x TP value conparison vs the MBB krisflyer amex point value. Is there much different point value wise between the the 5x tp vs the krissflyer amex. Im juat thinking if it’s worth it to apply for the krsflyer for expense that exceed the cashback cap

3) do maybank have issue waiving the krissflyer amex annual fee?

Hong leong bank sutera:

1) have 12x point for ewallet top up. Any cap on the 12x ewallet top up point?

2) how much does the point worth it change to reward such as cash voucher?