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Credit Cards Maybankard 2 Gold & Platinum Cards V20, 5% M2 Amex on weekend spending (NOT ALL)

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ClarenceT
post Jun 20 2019, 10:39 AM

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QUOTE(Avangelice @ Jun 20 2019, 10:25 AM)
Sarawak alot of shops don't accept Amex.
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Kuching?
Giant, CS Mini Market, Watson's, Guardian, Aeon, Parkson, GSM Dept / LEA, McD, PizzaHut, Secret Recipe, Shell, Petronas, TM Kiosks at Batu Lintang (weekends), Astro, SenQ, AirAsia, Malaysia airlines,Toy R Us, Kuching Specialist Hospital, Normah Medical Centre, MPH, Uniqlo, Sesco.
ClarenceT
post Jun 20 2019, 11:34 AM

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QUOTE(JuneResources @ Jun 20 2019, 11:24 AM)

Oh my~ doh.gif That's really crazy of MCC code. rclxub.gif

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Spend time to read why Visa/Mastercard/Amex need Merchant Category Code.
One simple reason - tax reporting. Different business, different tax rules/guidelines.
https://en.wikipedia.org/wiki/Merchant_category_code
ClarenceT
post Jun 20 2019, 04:21 PM

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Maybank can revise MCC at Bigpay and Boost but not TnG (CIMB). Maybe to 6540.

This post has been edited by ClarenceT: Jun 20 2019, 04:22 PM
ClarenceT
post Jun 20 2019, 06:08 PM

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QUOTE(Avangelice @ Jun 20 2019, 06:02 PM)
Sarawak pay not included in the list.
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Can you use CC to top up SarawakPay (except FPX) since July 2018?
I am worried Maybank accidentally add "Siliconnet Tech-EC" as an e-wallet, but transactions at paybillsmalaysia.com are not e-wallet.

This post has been edited by ClarenceT: Jun 20 2019, 06:09 PM
ClarenceT
post Jun 21 2019, 06:19 AM

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QUOTE(skty @ Jun 20 2019, 11:57 PM)
lol. funny you. even the whole world think BP is not e-wallet, as long as Maybank say it's e-wallet, no reward/cashback for you when topping up BP. hahahahahaha
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Haha they are looking at the plastic card and QR code to define e-wallet. Plastic card and QR code are not e-wallets but just a tool to use the credit stored at e-wallets. They are still thinking they top up the plastic card not at Bigpay App.
ClarenceT
post Jun 21 2019, 11:21 AM

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QUOTE(paogeh @ Jun 21 2019, 11:10 AM)
time to cancel more MBB cards...


i just paid RM25 SST on 1May !!!!
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You were looking for a CC for Petrol and Groceries, you can now use M2 Amex, no need to apply for a Maybank VS!
ClarenceT
post Jun 21 2019, 11:29 AM

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QUOTE(wilson1149 @ Jun 21 2019, 11:18 AM)
Some consumers always think they are smarter than those Bankers.

Able to "caught" some loophole keyword on the T&C.
FYI,
Bank has their independent legal team to review every T&C before announce to public.
So, as i said, dont waste your time to challange all this
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A Debit card is junk if it is not linked to a Current/Savings Account.
Bigpay prepaid card is junk if it is not linked to Bigpay e-wallet/App. The e-money is stored and deducted from e-wallet, not from the Bigpay prepaid card.
ClarenceT
post Jun 21 2019, 12:50 PM

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QUOTE(Wolgie @ Jun 21 2019, 12:37 PM)
Fast Question,
I just found out MBB AMEX online can pay SESB.
I going to pay now. Do i get x5TP?
Sorry, Im slow pook.
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If under utilities, 1xTP since long long time ago.
But not sure on SESB, you try with RM10 today to see if you get 10 TP or 50 TP.
ClarenceT
post Jun 21 2019, 01:07 PM

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QUOTE(Wolgie @ Jun 21 2019, 12:54 PM)
Oki. Thanks.
NVM. i reload boost then pay, as boost still got this month.
Try next month smile.gif

But as you said, pay RM10? do info so fast out in online? Normally need wait for next bill, right?

**lol. pay 130.10 get shake 1.50.. benefit? smile.gif
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No need. Just need to compare the TP amount that you have today (Friday) and Tuesday at M2U. The TP is credited within 1-2 days after transaction posted.
ClarenceT
post Jun 21 2019, 05:11 PM

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QUOTE(Kyusuke_FD3S @ Jun 21 2019, 03:26 PM)
it's under transfer...
so only "pay" entitle for the treat point ?
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+ Only at the e-merchants using M2U as one of their payment channels, ie Maybank will "earn" a fee from the transaction so Maybank will give you a token of appreciation.

If fund transfer or Jompay or FPX, zero earning to Maybank so please don't expect you get TP from Maybank.
ClarenceT
post Jun 22 2019, 09:35 AM

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QUOTE(jiaen0509 @ Jun 22 2019, 09:29 AM)
I can see Boost everywhere but cannot see Maybank QR Pay.
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https://www.maybank2u.com.my/maybank2u/mala...ll_listing.page

I used Maybank QR to pay Taobao (RevPay).
ClarenceT
post Jun 26 2019, 08:38 AM

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QUOTE(NLTR @ Jun 25 2019, 10:13 PM)
Hi, sifus here.
Regarding the latest benefit revision on Boost Topup,
Will I still get the 5% CB on the following month if I reload my Boost wallet before 8th July?
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Just do it and you will get the answer on 2-8-2019.

IMO, not 100% safe on weekend CB (performed on 6/7 and 7/7) but almost 100% safe on weekday Treatpoints (performed on 1/7-5/7)
ClarenceT
post Jun 26 2019, 10:46 AM

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QUOTE(persona93 @ Jun 26 2019, 10:42 AM)
hi, good morning

i'm a lil confused

» Click to show Spoiler - click again to hide... «

i'm really sorry if noob

cry.gif
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Transactions posted after 6/6/19 will appear in next statement dated 6/7/19, the new statement balance shall be settled on or before 26/7/19.


ClarenceT
post Jun 26 2019, 10:53 AM

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QUOTE(Aaronnnnnn @ Jun 26 2019, 10:43 AM)
hi sifus,
i got some questions...

what is retail interest rate?
user posted image

my last month statement amount was RM124.90, so i paid RM124.90. then suddenly this month's statement got retail interest charge of 18%....

this is the current statement amount, so i need to pay RM360.95 or pay the outstanding balance amount of RM637.23?

user posted image

user posted image

maybank is really confusing  rclxub.gif
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You misinterpreted. The statement tell you that you are now at 18% category (I am at 15% category though Maybank can never charge me CC interest). Maybank didn't charge you any credit card interest, right?

Always pay the STATEMENT BALANCE (or more than statement balance) by the DUE DATE to avoid interest charged.

ClarenceT
post Jun 26 2019, 10:57 AM

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QUOTE(persona93 @ Jun 26 2019, 10:53 AM)
wuish, means i no need pay anything today?
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RM684.98 is for transactions posted after 6/6/19 (monthly statement was issued). They are UNBILLED transactions.

All the UNBILLED transactions will be recorded in your next statement dated 6/7/19 then you must settle the next STATEMENT Balance by 26/7/19.


ClarenceT
post Jun 26 2019, 11:11 AM

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QUOTE(persona93 @ Jun 26 2019, 11:06 AM)
so before 26/7 i must pay 684.98 (6/6 - 26/6 transaction)

and lets say i spent 500 (27/6 - 26/7), i need to pay the 500 before 26/8

and the cycle goes so on so forth right?
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The outstanding balance is changing every day.
Your next statement date is 6/7/19. So you should have some transactions to be posted on 26/6/19 to 6/7/19, say RM999.
Then the new statement balance (statement is dated 6/7/19) is RM684.98+RM999, so you must pay AT LEAST RM1683.98 ON or BEFORE 26/7/19 to avoid credit card interest.

This post has been edited by ClarenceT: Jun 26 2019, 11:12 AM
ClarenceT
post Jun 26 2019, 11:34 AM

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QUOTE(persona93 @ Jun 26 2019, 11:26 AM)
ok i faham liao

i got confused with statement and outstanding balance

omg really, thank you all so very the much

notworthy.gif
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it is a problem called INFORMATION OVERLOAD.

When I first got a Maybank credit card, I received monthly statements by snail mail, I need to go to a Maybank counter to settle the statement payments. The life was very much simple, I didn't have chance to read the outstanding balance and check the unbilled transactions every moments, M2U and Cash Deposit machines were not available yet. tongue.gif
ClarenceT
post Jun 27 2019, 09:41 AM

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QUOTE(MGM @ Jun 27 2019, 09:26 AM)
Otherwise can spend rm2495 b4 8July and rm5 after that if want to know earlier.
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This is M2 Thread, not FCB VS.

Can use Amex to top up RM10 on Boost on 8/7, see if you get 50 Treatpoints by 11/7.

Can use M2 Visa/MC to top up RM1 on Bigpay on 8/7, see if you get 1 treatpoint by 11/7.
ClarenceT
post Jun 27 2019, 09:53 AM

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QUOTE(chris11 @ Jun 27 2019, 09:45 AM)
anyone know how to check which transaction and how many TP ?
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Page 1.
ClarenceT
post Jun 28 2019, 12:48 PM

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QUOTE(westlife @ Jun 28 2019, 09:46 AM)
if there is any revert of transaction on Amex card, will the cash rebate be taken back also?

for example,

1 June - there is one rm1k transaction A, there is another rm1k transaction B.
2 July - rm50 cash rebate is given for the transaction A.
15 July - there is a reverse of transaction A

will the cashback of rm50 be taken back after 15 July?
if yes the rm50 for transaction A is taken back, will the rm1k transaction B be given cash rebate of rm50 due to the transaction A is reversed?
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Check the transaction date of this reversal, if 1/6/19, you will get -RM50 CB on 1/8. If 15/7/19, no recall of CB.

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