pretty much depends on how much loan you wanna take

FPX transaction

From your previous statement we understand you has been using cc for decades.

"I don't see any value to hold a CC "

but from this statement alone maybe you don't really get what a increasing numbers of consumers are doing with their cc.
you can search "gen x gen y gen z" to get more insight of what a cc can do.

FPX transaction to who?
Reason I'm asking is most of them only allow you to select bank accounts for it.

Of course ClarenceT knows how to maximize credit cards, he has been sharing tips on how to use certain cards. His insight of CC is pretty good and can say knowledgeable with CC stuff.

What's so great about that blog? Though I know the owner but sorry to say but it turns out to be a snobbish site which needs password to read this and that. Like seriously? The information he posted is basically a consolidation of tips we have been sharing here.

The card issuers will cut down the benefits before 1/1/2021, when the merchant fee drops below 0.5%.
https://www.mastercard.com.my/en-my/about-m...nterchange.html

Then credit cards, debit cards, and prepaid cards are almost the same, for me.
Only those needing a credit and willing to pay interest will like credit cards.

Did you notice that GenXYZ stop blogging when the merchant fee dropped from 2-3% to 1.1% in 2015? He gave up and just returned recently, just because a lot of newcomers are paying late payment and interests to make the CC industry sustainable again.



This post has been edited by ClarenceT: Aug 10 2018, 03:01 PM

Perhaps you used already so many cc, so nothing to surprise..
For me, I will surprise because I first though that there maybe a max limitation of holding credit card per IC.

For example something like telco number. Each telco can max take 7 numbers per IC.


Never heard this before...
I guess this card exclusively "Invitation from bank", right?

I limit myself max take 5 pcs only.
Take more than will make myself wallet become "Name card holder" already.

more than 3 house loans, 1 car loan as guarantor, no issue.

FPX to Lazada / Shopee

My situation is, I go shopping in Shopee, checkout choose -> FPX -> Maybank -> Login Maybank2u -> Choose M2C Amex account -> Pay.

I want to know if this situation will get 5% cb and 5x TP or not

successfully paid?

Normally as I know FPX will incur the extra charge, so in this case, will u be charge extra?
also Amex option available, but does not mean the transaction can go through, just like Paypal u can add Amex, but the transaction in RM unable to process.

I thought FPX only shows the SA / CA account.

I don't remember FPX letting us to select other options.

I can't find the promo page for Baskin Robbins RM3.10 maybank cards. Only got SMS.

Real one ah 3.10 first monday

update: found the link

https://www.maybank2u.com.my/maybank2u/mala..._my_br0718.page?

This post has been edited by alvinfks78: Aug 10 2018, 03:27 PM

Monday King Promotion
Promotion Period: 2 July until 3 December 2018

King Scoop at RM3.10*(Normal Price: RM13.80) on the first Monday of the month

*Limited to 1 redemption per Cardmember per day and subject to 3,100 units nationwide every first Monday of the month, while stocks last. Normal price shown is according to normal outlets and is different from premium outlets.

And there’s more: Year-long Promotion (till 30 April 2019)

5% off normal-priced items with minimum RM31 spend in a single receipt

i got house loan + mortgage loan.

I didnt have any problem in applying new credit card.

Yes, I did a transaction and successfully paid

Not sure for extra charge, but FPX with SA account didn't insur extra charge. Will check my statement and update you guys.

Yes, I found out there's option to choose CC account 2 days ago.

Nope. I was just clarifying can have many cards with loans, no issue with that.

How if I have 100 CC and CCRIS all 000000? Sure the bank will approve my application. If I only own 1 card. CCRIS 01234 will bank loan you? haha

No worries, when SST kicks in, your cc applications approval rate will become much much higher hahah

For the second paragrah, i give u 10x LIKE

consolidation n charge his reader, thats the best part.