for knowledge sake la.

When maybank says "maybank-to-you", I say "maybank-to-me" loh. Get it?

Last time submitted all the required documents then everything went smooth lo. I did ask the branch staff how will the CL given, she said sometime 2x, sometimes 2.5 based on pay. Obviously i just got 2x la. 😒

Anyway, it is enough also lah based on my spending style during my 7 years time with my gold m2c.

Hehe you feel enough because you haven't learn from all the masters here on how to make money with credit cards.

I've read normally is 2x-3x. Somehow I got around 1.5x monthly basic + OT salary. They're last in my application spree, so maybe that's the reason. They didn't gave me any hassle, so thumbs up to Maybank2me.

OK, another your odd way of saying things. Just like moon = month. I got it, trying to be different but err... No comment.

This post has been edited by fruitie: Oct 11 2018, 04:46 PM

even if ... we do it all the time in reality, not trying to be different. been years we call it maybank2me loh.

Not that I'm aware of, I don't, people around me don't and those in forum don't. Maybe I haven't been exposed to outside world that much.

This post has been edited by fruitie: Oct 11 2018, 04:53 PM

imo should be using proper English rather than nonsense/non-english. this is no difference than using *** masking for bank names, or leet-speak, etc etc

already got another user confused with this

I agree but we seldom come across users who post that way, maybe one or two exception cases. Oh ya, the masking trend used to be popular last time and there was once I sounded on such practice. I don't see it anymore. I don't see what's the purpose of hiding such information. If it is so difficult, might as well don't share.

Anyway, I hope others can post in proper and standard English which is easily understandable by others.

Yup I know. BT is one of the interesting part.

Anyone used M2C Amex for foreign transactions?

Will the 5% weekend Cashback work and is it worth using it for the 5% Cashback?

I'm planning to buy my air ticket from UNIAIR directly.

From what I see, I will be charged with a 2.5% conversion factor by AMEX + 0.5% admin charges by Maybank. So effectively 3% premium over their exchange rate right? So putting it simple, still approximately 2% Cashback? Or I'm still missing something?

Yes, can use for foreign transactions. However, you will need to take note of the transaction time, some follows overseas server. It is best you do it on Saturday's night to assure your transaction will be transacted on weekend.

I purchased from bookdepository and Agoda before, I received 5% cashback. Better to do it after 5pm Saturday or Sunday.

This post has been edited by engyr: Oct 11 2018, 05:34 PM

Thanks for the reminder, will do Saturday night then. It is Taiwan tho so I think I might be safe in that regards.

Any idea how are the charges applied?

How about the exchange rate? Competitive? Or huge premium over market?

If u know a merchant is using a foreign payment gateway, say like Maxispay(GMT+0), if u do a transaction on Monday b4 8am would it be registered as Sunday transaction?

Not sure if you want to take the risk but well you can.

2 other issues...
Using M2 Amex Gold/Platinum, you will earn 5TP worth 1%.
Using Maybank Visa/MC, you still need to pay +2% to 2.5%.

So sometime I used Amex instead of Visa, before Oct 2017.

Here's the thing. If you want proper English, fine with me. IMO is nonsense or non-english?

Well, people around me also don't CS, BT, BP, CL. This is what someone I know term as hypocrite.

So you guys have fun making money from the banks. Off I go elsewhere to have fun.

chill la, just be ready to answer more enquiries about what's maybank2me hahah

Yes, we are hypocrite. At least we use the term which exists unlike some words.
OK, bye.

Exactly, that's why I'm asking if it's worth using the AMEX card from the Maybank 2 Cards combo for foreign transaction haha. To be fair, I ONLY use AMEX from the combo. If they don't accept AMEX, I'll use some other card instead of the Visa/MC from the combo.

It's 5% Cashback, but with an additional 2.5% + 0.5% Conversion and Admin Charges. Simple terms, approximately 5% - 3% = 2% Cashback. But now that you mention TP, yeah that should be worth approximately another 1% haha.

My only concern now is that the rate provided isn't competitive, but then again my amount isn't that big so it shouldn't be that significant.