true.

considering friday night not counted. monday process. tuesday receive. basically 1 processing day + 1 day delivery.

conventional
https://www.maybank2u.com.my/iwov-resources...onv-AppForm.pdf

islamic
https://www.maybank2u.com.my/iwov-resources...mic-AppForm.pdf

it's expected la new feature is always chicken-and-egg situation.

no rush to change to amex contactless. just for fun changing now

7 days is just standard SLA. since need to deliver to branch, might be longer than usual mailing.

if possible, bring more supporting/income documents than the minimum.

correct.

usually for courier delivery, they separate by zone because it need to transit from main hub -> smaler hubs (northern, southern, etc).

within KV, SLA is within 1-2 days. outside of KV, extra days. if outside KV but in ulu place/inaccessible places, longer.

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when u redeem TP, you dont redeem according to product type, e.g. bank or cc.

TP is accumulated together. so, redemption would utilize the oldest earned TPs first.

dont think immediate removal is possible because it need some kind of approval (yes, dumbfounded when i heard it)

give it few days or a week. then contact back again if still visible.

statement balance = current billed amount that you need to pay by due date <-- statement is cut-off each cycle. amount is fixed becuase that's the fixed amount for previous cycle's usage.

outstanding balance = all your current outstanding

agree with above.

once you login M2U, do you see both cards? or only Amex?

think this way.

cc statement balance = your other monthly bill statements, e.g. water bill, electricity bill, mobile bill (postpaid), unifi/broadband bills, etc

statement balance = historical billed (usage) amount. because it's a cc, you use for 1mth (i.e. statement/bill cycle), then only you got billed each "cycle" and need to pay. cc bill is like a postpaid bill. use first, pay later.

since it's a historical bill, you cannot CHANGE history information what has happened (used), has happened.


back to other monthly bills, once you pay the bills, does the bill goes back to ZERO? no, right?


now, Oustanding Balance = tabung hutang bank the amount fluctuates depending on your usage (add/increase) and payment (minus/decrease).

some ppl will always payoff whenever they see any amount in Outstanding Balance. well, that defeats the benefits of having a cc. might just use Debit Card instead


ok, below is a simple illustration that i did previously ...

wrong

Outstanding Balance is the MAIN "bucket" for all your current outsanding.

on current Statement Date, the used amount is cutoff between previous statement date -> current statement date will be your Statement Balance. this is your "monthly" cc bill/statement.

same as your other bills. always a certain cutoff period, right?


make it short, ALWAYS pay STATEMENT BALANCE by DUE DATE. simple.

This post has been edited by cybpsych: Nov 6 2018, 11:07 AM

Outstanding Balance = 0

you already paid your 8 Oct bill, right?

ask you, when did you make your last cc payment?

your payment @ 25 Oct was to clear Statement Balance as of 8 Oct (Statement Date aka BILL DATE) <-- this is your CURRENT Statement Balance.

Statement Balance WILL NOT CHANGE because that's the historical bill @ 8 Oct.

previously, Outstanding Balance = RM75.80, then after payment @ 25 Oct, Outstanding Balance = RM0.00.

in short, you owe NOTHING.


assuming no spending between 9 Oct - 8 Nov ...... your Nov statement would be generated @ 8 Nov, and NEW Statement Balance = RM0.00

yep, any spending between 9 Oct - 8 Nov, all will be statement-ed on 8 Nov, your bill date. this amount shall be your NEW Statement Balance.

Payment Due Date (PDD) shall be +20 days from 8 Nov, hence must clear off your 8 Nov's Statement Balance by 28 Nov.

yes, can change the statement date. last time i asked, here are the dates: 3 6 8 12 14 18 21 24 26 28 EOM (end of month)


fyi, here's your current statement cycle and due dates...

what cashback reward?

whose autodebit?

https://www.maybank2u.com.my/iwov-resources...Pay0918_tnc.pdf

https://www.maybank2u.com.my/iwov-resources...Pay0918_faq.pdf