Start with your salary crediting bank first. Some also said Citibank and UOB are quite easy but every bank has its way to assess so it cannot be used for everyone's situation.

Nope, no such thing. I got mine by applying directly to the bank.

No, I am a new Citibank customer.

Quick question:

We are only allowed to apply for cc from 2 different banks if salary is less than 36k p.a.

What if, our salary is more than 36k p.a. and we hold cc from say 4 different banks but then we were retrench and now not earning anything.

Do we need to surrender all cc or reduce to 2 banks cc?

Well, any missed payment with PTPTN?

If I need to revise my credit card cycle. how far out can I do it? now it is set on 23, but I only receive my salary on the last day of each month.. Is it okay to for the cycle to 1st or 2nd instead?

each bank has different bill cycle dates. not all dates in the calendar are available, usually some fixed dates. call them to enquire all available dates (AND SHARE BACK HERE!  )

usually they ask your preferred due date (+20 days after bill date). e.g. if you prefer bill date on 2nd, due date is 22nd.
my preference, bill date AND due date is within same calendar month, so that it doesnt run and easy to track. if due date is cross-month, sometimes the date will be off by 1-2 days, longer if cross from Feb to Mar.

they doesnt ask you. statement date is assigned automatically.

from the m2u screenshot, bill date is 3rd, due date is 23rd.

feel free to change the statement date by calling mbb.

If want to use the 0% easy payment scheme, do I have to inform the merchant at the point of transaction, or call bank to inform about the transaction and get approval first?

If the merchant offers 0% easy payment scheme, then you will need to inform merchant.

So if outstanding RM100, interest 10%, so interest for conventional:
Month 1=RM10
Month 2= RM10*10%=RM1
Total interest on month 2=RM11

Islamic:
Month 1=RM10
Minth 2=NIL
Total interest on month 2=RM10

?

Isn't it written on your card eg 04/23 ,that mean on expired on April 2023

If I need to revise my credit card cycle. how far out can I do it? now it is set on 23, but I only receive my salary on the last day of each month.. Is it okay to for the cycle to 1st or 2nd instead?

Mine is a bit peculiar, as i applied online, and i didn't recall informing the bank of the preferred bill/payment date. Based on your info, the billing would be for a month, and the settlement due date is +20days after the billing date. correct?

screenshoots below, for my new CC. not sure how to read into this:

CC activation date:
[attachmentid=9597947]

Card details, as per M2U:
[attachmentid=9597948]

they doesnt ask you. statement date is assigned automatically.

from the m2u screenshot, bill date is 3rd, due date is 23rd.

feel free to change the statement date by calling mbb.

I have called Maybank to have my statement date revised to 3rd of each month. They say it'll take some 30days to have it effected. I checked my M2U just a while ago, and noticed that my bill statement is not out yet, but the statement date/due date is not yet changed..
[attachmentid=9615735]

But based on the screesnhoot above, got the outstanding amount figure, but no stated minimum amount to pay, and the amount due also?

From the screenshot your statement date already 3rd ma,what statement date date actually you ask MBB to change?

your original statement date already 3rd mah, even you screenshot yourself on 15 Feb.

i assumed your new statement date is NOT on the 3rd, so wait until maybank generate the new statement lor. depends on when you asked, sometimes need 30 days (1 cycle), sometimes it will be immediate/following cycle (e.g. today revised to 8th, new statement would be this coming 8 Mar, not 8 Apr).

Keep monitoring the M2U. the dates displaued wont change now, if i'm not mistaken. it only get updated during statement date. so, u gotta monitor it.

You said your salary is out every end of month,so statement date on 3 rd is actually very good timing . Not so?

Hence why I need the payment due date to be on 3rd, and the statement date to be mid-month.  Noe the due date is befoooore my gaji, how to pay le

Can pay early ma not necessarily need to pay ngam ngam on due date ma.