If my statement cut off date is on the 24th every  month and the AF only get charged on the 1st July. Can I still transact after 24th June until 1st July? If i be excluded for not paying the AF (if i plan to cancel card) since no usage of the card after 1st July or the entire statement (25th Jun - 24th July) has to be empty?

Citation from The Sun Daily Malaysia: “On merchants who require a minimum purchase amount before a customer can pay with a credit card or those who impose a surcharge, Tan said consumers can lodge a complaint with BNM.”

Citation Source: http://www.thesundaily.my/news/2017/04/13/...on-number-cards

Then you lain kali baru datang instead

Guys, quick question.

When apply credit card, the salary can include allowance?

Hi guys I wanna ask, i take phone installment for 12 months which about rm200 per month and my minimum amount to be paid for my credit card is rm 100 for this month. So should i pay rm200 (Installment) + rm100( Min amount) or just rm 100 (min Amount) so that my ccris wont have effect?

Thank you

What should I consider when given the option to raise my card limit? Got my third call in a month from 2 different banks. Said I'll think about it.

Hi, just wondering whether can someone age above 60 years old apply for credit card? Still working (contract renew every year), currently has 2 other credit cards, and no more housing loan installment. Reason for applying for new credit card is to go for those cc with no annual fees, and cancel those cc with annual fees. What are the banks criteria for credit card application...will they approve those who are more than 60 years old?

hey guys,

i just got my credit card since they call and said that i could get one.
but here's the thing. i have 0 knowledge about cc.
which is why i come here for advice.
i was thinking of using it for fuel and groceries shopping.
and occasionally for eating out sometimes.
what happen if i only pay the minimum payment everytime?
is it advisable? how the interest would kick in?

thanks.

I have a question on foreign transaction, i bought an item from UK at 100 pounds on monday, i sign on the transaction using my credit card with the choice of transacting in foreign currency rather than setting direct conversion to MYR on the day itself.

Subsequent to that i return the item(Within the stipulated period), hence a full refund of 100 pound will be refunded to my credit card.

As what i check my statement on monday i have lock on with a expense of RM565, however 3 days upon my return of my item, i got a refund amount of RM550.

Would like to clarified shouldnt the refund amount be net off at RM565? As its the same transacted item/merchant/amount in foreign currency?

Your experience and advice is much appreciated. Thank you.

Yup aware its due to foreign translation different between both days, but shouldn't it be nett off the same, rather than there will be lost or gain at my side if the FOREX rate weaken or strengthen?

If so, i can arbitrage on foreign translation if i refund it at the right time, given our fluctuation of FOREX rate?

hello, wanna ask something. im using hong leong credit card, what will happened if by next statement my available limit is negative? will i get fine extra? the available limit is now positive but there is one more flexi payment few days before the statement which will cause the available limit to bcome a negative value.

i usually pay slightly more than the minimum amount when the statement came out, but this month went n repair car so ended up charging more again...

Hi, my credit card limit is RM3,000. But I am going to purchase a furniture which cost more than that. Just called HLB and the operator said I am not eligible to apply for temporary increase credit limit as I am new card holder. So if there is anyway I can do to get the credit limit increase? I ever read from 1 post, is it i will just transfer more money to the credit card, so the limit will increase? Let's say if I am buying a RM4,000 furniture. I will need to transfer RM1,000 in advance to the credit card. Then use the credit card to swipe RM4,000. Please advise. Thank you in advance.

I didnt pay for ptptn for few nonth only..

HLB MACH is fine with this if it accepts Visa. If in big cities like Beijing and Shanghai, usually no issue to accept overseas cards. But smaller cities, the tendency to accept overseas cards is very low.

Hi all, I want to apply credit card by pledging fd, can I pledge 1 fd for several card (share credit limit) or just 1 card for 1 fd pledged?

I did help my client to book hotel previously. Of course hotel will treat this strictly confidential. Any of the method above would be find, otherwise just call the bank and spell out your credit card detail for them.

guys just got my 1st cc after stop using cc for dunno how many years

question is can i apply for another cc say 1 or 2 months later? or is they any buffer period for me before getting a 2nd card?

Any recommendation credit card for ONLINE SHOPPING and provide higher cashback
return monthly  ??

Prefer the card is free of  annual fee ..

currently using pb quantum card only .

thank you .