I understand that Maybank normally issues a MasterCard with this 2 cards platinum package; unless you request for a VISA specifically. Is it better to take the MasterCard or ask for a VISA?

They gave me a MasterCard by default (5+ years ago). Didn't think much about the 2 Platinum Cards because I had another VISA and a MasterCard from Maybank too. Now that I plan to cancel those 2 because of the high annual fee, I've been thinking about the 2 Platinum Cards abit as this will be my only 2 credit cards now. I think with the VISA, you have an option to use Samsung Pay but can't see any other advantages beyond that.

Anyone else care to chime in with their opinion?

Thanks for the advice.

I've been a member of 2 Platinum Cards since 2012 and wondering if you loose that status and membership starts again from new application date if I request for a VISA in place of a MasterCard.

Not going to bother anymore with the cards that cost RM800-1000 a year and close those accounts.

Thinking about doing the same; just stick with the one they gave me. Just wondering if it's worth getting the VISA for the Samsung Pay Rewards.

Really!? 3 cards on the Maybank 2 Platinum Card account? Is it even possible?

Need some advice/input, from the finance/credit card gurus here. For expatriates, normally, a card is valid for a year and every year, you need to send documents (employment verification, most recent pay slips, etc.) for the renewal card to be processed and new card to be issued.

If let's say, the renewal has lapsed and a new card was not issued because you did not send the docs for renewal process (but also not cancel the card and close the card account), what are the implications (credit score, etc.)?

PS. Card in question is a PETRONAS Maybank Visa Gold card.

Had 4. M2C Plat, MBB Visa Infinite and MBB World MasterCard. Cancelled VI and WM because of the annual fee; and now left with 2 cards with no annual fee.

Loosing lounge access but even that may be scrapped after December; so maybe not be loosing much there. And yes, I think it's worth waiting it out for the announcements before downsizing the card count. No need to jump the gun, I think.

Hat tip to those with 10-20+ credit cards. 4 cards is enough to get my head going

Not sure if that is possible, bro. I'd say wait for a bit and see how it goes. Cancellation is hassle free and quite fast anyway. No need to rush.

And I do think it will be RM25 for both card. Why I think that: MBB Visa Infinite annual fee is RM800 a year. And annual M2C Reserved is also RM800 despite being 2 cards - for example. Based on that, I believe they will treat it as 1 account and only charge RM25.

If RM25 per card, then I also die lor. M2C plat. with supplementary...so 4 x RM25 = RM100 a year

Maybe because most would prefer to have either VISA or MasterCard (?).

And maybe because Maybank is the Authorized Vendor of American Express Cards in Malaysia, and this is an effort to promote American Express Cards (?).

Just my take.

I think there's some truth to this.

I would just keep and use my debit card if liability is the same and I can use it everywhere. Hotels and airlines needed credit cards but no longer the case with some of them these days. The only time (in the past 6 months) that I needed a "Credit Card" was once for a MAS booking and once for an Emirates booking.

So, some people actually keep and collect the old cards?

I just throw all the old cards in the card shredder every year.

Ok. I thought old cards and chips still contain enough information that can be risky if fallen into wrong hands. Since it was normally advised by banks to destroy the old/expired cards, I just go crazy with the shredder

Words to live by, Mr. T!

No No. You have a point. I totally agree.

I just never considered Credit Cards to be collectibles like this. In fact, I almost regret not doing what you are doing with the old cards.

'tis an interesting idea for a memorabilia

Now is probably a good time to pick up a Rolex OP. When the new movement with 70hr power reserve is launched, the current models may get even cheaper. Get the dial (any color) without the colored indices and all lume markers.

My World MasterCard was removed automatically after cancellation.

For the VISA Infinite, I had to request removal from M2U.

I can only tell from their written (e-mail) confirmation. I could probably try to use the card to verify but I didn't.

For World MasterCard, it just disappeared from M2U about 3 days after cancellation.

For the VISA Infinite, I received the email that says the card have been cancelled effective <such-and-such> date. But it did not disappear from M2U. 2 weeks after effective cancellation date, I emailed them asking about the link. They replied and told me the link would disappear in 3-5 more days, and then off it went.

So yeah...apart from the written email confirmations, I don't know how else to tell at this point. For the 2 weeks that they did not remove the link from VISA Infinite, RM800 annual fee would have been way overdue (for me), and the charge never appeared. That would be the only other way I can justify my assumption.

Hmm...not sure why they would need debit card number to remove credit card link from M2U. Then again, I can't pretend to know Maybank very well

I did all the cancellation in writing (email). My initial phone calls to CS were made; just to understand the process.

Link removal takes place 3-5 days after cancellation according to them or 3-5 days after you remind them I think.

Best do it in writing if possible. I've had confusing responses this year when I cancelled VI and WM and only renewed M2C Platinum.

As far as I can tell?

Travel Insurance.

For my Maybank Cards, supplementary card holder can "earn" treat points, but not "redeem".

Hence...my wife stopped using the supplementary cards I applied for her. Good in a way