Due to popular demand, later I write to customs and ask la.

Yes, that is also my understanding. But urban legend say once issued then automatically taxed. I think customs don't know some banks offer cards in pairs and we only need one. Maybe the next revision will be more specific or maybe they don't care since not using the card.

Ahhhh I think this is where the confusion started.

https://www.mysst.customs.gov.my/assets/doc...arge%20Card.pdf

16. Service tax shall be imposed on the date of issuance or renewal of the credit
card or charge card or on every twelve months after the date the card is issued or
renewed. There are three methods for the imposition of service tax:
(i) New card issued with a validity period for 1 year
Service tax shall be imposed on the date the card is issued

This is NOT the gazetted one though.

Citibank's also said the same :
https://www.citibank.com.my/global_docs/pdf...dServiceTaxHOME

I think we should move to the SST Thread instead of this one.

This post has been edited by beLIEve: Sep 22 2018, 01:47 AM

If you're not into Departmental and Entertainment, you can try not to activate the Visa loh. But if you're after the promotional gifts, then you need to spend on both, so have to activate both.

In case you don't know, Signature is not part of the promo.

Aiyah, I thought moderator already moderated my posting. You looky see my posting here : https://forum.lowyat.net/topic/4621815/+280#

Post 292.

Where got so fast. Few moons ago I apply also more than 2 weeks. Exception was pre-SST when I asked for additional card.

I saw the edit lah. My point is, expecting a status within 2 days of application is a bit 過火 lah. Don't you think so?

Theirs is >1 moon loh.

I think have to wait for your first statement. Mine also after first statement.

And you need to SMS to register.

This post has been edited by beLIEve: Sep 26 2018, 11:38 PM

I've also been thinking the same thing. What I think is, the contest is to get people to spend, not transfer money to somewhere else. So maybe they close a blind eye when the volume is low. When too many people doing it, they exercise the rights they reserved. Or, when everyone starts calling in about BigPay, it alerts their management as well. After that, cannot even entitle for the 5% 6% online transaction. 21 days notice is all it takes right? If I know I'm looting from the bank, I will just keep quiet.

But of course, it could have been some mistake at their end.

Given the opportunity from the legal perspective, I think paying bills online also they don't want to give the 5%/6% cash back. Maybe they're stuck with their own T&C.

This post has been edited by beLIEve: Sep 28 2018, 02:15 PM

It is possible. The reason they're not doing it is because some payment gateways are in Europe/US. The transaction time will be based on the server's local time, so it becomes Sunday.

thanks for sharing this. Was about to ask about this.

I'm kinda new with multiple cards. In the past, only holding at most 2 and from the same bank.

Public Bank is below 3x salary. Citibank exactly 3x salary. CIMB exactly 3x salary (from 10+ years ago, did not ask for credit limit increase, and only tried to ask for reduction ). HSBC that I applied recently, after asking for everything except my life - I think, gave limit according to the lowest of the cards I owned, so it's same as CIMB from 10 years ago.

so bro aniki, if you're reading this, I just got the additional cards this week to know the credit limit better. I couldn't find the thread that you shared yours to reply to.

You can use a friend's phone to call and see if you run into the same problem.

Not necessary. It can also mean the bank finds it credit worthy to give the hire purchase loan, and is also giving business to the bank. You help me I help you lah.

Someone I know who owes a bank lots of housing loan gets free credit card, while I get bupkis with 3 moons salary slip with some FD. Bank told me loan gives them business. FD takes money from them.

This post has been edited by beLIEve: Sep 29 2018, 07:20 PM

We don't know what happens behind the scene. Can just assume, if Bank Negara looks into the complaint, there will be extra work for the bank and involves execs at higher level. Then these execs start looking into the reason etc etc, and heads of the people who caused the problem might roll.

This post has been edited by beLIEve: Sep 29 2018, 08:29 PM

hehe. Hadn't you guys notice? Banks are fast in taking your money but slow in giving you money. They don't need this long to charge you SST. I'm referring to every bank, not Public Bank. When it comes to cash back and goodies, you slow slow wait la.

wahhhh so long?

Ummm yeah, Public Bank considered more efficient than a lot of other banks already. But of course, they could've been as efficient in giving vs billing for SST

I also thought cash back.

From my experience and my own opinion, the people who process applications don't really care. How did I find out? I wrote something in the email, and they ask me the same question again. And some don't even know how to read my payslips. So they ask for more supporting documents. So what my friend told me in the past is true.

When their higher level is involved, it put their competency at stake. Especially when you can justify everything, it'll make them incompetent in front of their superior. And of course, if Bank 1Negara start questioning top execs, more people will get grilled.

But I didn't have such problem with Public Bank. Maybe me application went through because I was holding only 1 card at that time.

p/s : If you read the application form carefully, some banks require only 1 supporting document. Some needs only 1-3 moons payslip but they conveniently ask for 6 moons payslip, EPF la, EA form la.

Hehe that's something I was always curious but never dare to click. But I think it should list out your available cards instead of killing them off all at one shot.

This post has been edited by beLIEve: Oct 3 2018, 11:16 AM

According to my friend, they couldn't care less because they don't get a share in the commission On the contrary, the more people apply, the more work for them.

I think 3 moons should be fine. I remember Public Bank's application form says A or B or C, and they are sticking to it unlike some other banks. Citibank is also sticking to what they asked for, at least, the online application is.

This post has been edited by beLIEve: Oct 3 2018, 01:28 PM

So far I see banks are starting to charge for credit cards and loan repayments only. Not savings.

CIMB starts charging for card in Dec, though I'm not aware of any charges if you bank in money into savings. RHB already started, in July if I don't have a memory leak. Interesting, I just saw CIMB's site saying no charges if pay using ATM machines (https://www.cimbislamic.com.my/content/cimbconsumerislamic/en/personal/press-releases/promotions/general/cimb-epayment-campaign-2018.html).

One thing for sure, people not senior enough for the waiver and not computer literate are having a hard time. Money made can be used to finance better cash back though

Oh yeah, I'm already enjoying the free Instant Transfer. I hope the freebie will last.

This post has been edited by beLIEve: Oct 3 2018, 10:17 PM