Just don't activate the card, the salesperson won't get commission for the card if u don't activate it

i see. does the card considered invalid if i just dont activate it? no need to write in or call to ambank CS to cancel the card?

Just don't activate the card, it will become invalid after some time if u don't activate the card.

safer to call up and cancel, so that it frees up your CTOS scores on total commitment amount.

has anyone checked their ccris report? i checked my ccris report and found one entry under Application for Credit which is my ambank credit card which I have applied one year ago. any idea why this is still in my ccris report?

I have same situation before . Called to cancelled 1 of my Ambank credit card about a year ago , but the card is still under my ccris report . Called Ambank , cs told me that the card was actually on hold but not cancelled . I told them to cancelled it , and after few days their card department called me to verify only they cancel the card .

But the thing is I am still holding the card, should the card be still under Application of Credit?

thanks for the advice. will do.

Normally application of credit in Ccris report shows that which credit card you have applied , on which date and credit limit which has been approve in the past 12 months . If you are holding the card for more than 1 year and your application of credit is still in the report , you might need to check with bank or BNM

I see thanks for the clarification.

Bro, what is CCRIS report and how to check it ??

http://creditbureau.bnm.gov.my/ccris.html
You can get a copy of your CCRIS report at Bank Negara (free) or at https://www.ctoscredit.com.my/ (RM26.50)

e-CCRIS has launched.
One can register once in BNM or AKPK, then can check CCRIS online every month.

Want to confirm with you all..

Payments to Unifi, utilities bills via jompay or paybillsmalaysia with Ambank WMC entitled ampoint or not ??

Thanks for advice

What is FMF stated in AmBank TnC? How to calculate?

Just ignore it if you pay statement balance in full.

but why got 2 fees leh? currently i use AEON only have tiered finance charge

You may not get so much of answers about financial charges because most of the users here pay in full. Interest is our least worried thing and most of us don't pay attention to it.

what u know of finance charge, is termed differently for Islamic card, eg FMF

calculation almost same as conventional finance charge.

for us, we won't bother to calculate cuz we avoid it and it's complicated to calculate.

do contact bank if you must know how it works.

so it's not like hidden charge or anything? it's related to bill and how we pay only?

Thanks a lot.