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Credit Cards Maybankard 2 Gold & Platinum Cards V20, 5% M2 Amex on weekend spending (NOT ALL)
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JokerAce
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Sep 17 2018, 01:32 PM
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Getting Started

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QUOTE(fruitie @ Sep 17 2018, 12:38 PM) SST is charged upon card approval and not activation. Heard that from my friend too But I wonder how will the SST charge to the person that haven activated his/her card? If the person never realise that inactivated card after a long time will they kena ccris because didn't pay the SST?
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!@#$%^
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Sep 17 2018, 01:33 PM
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QUOTE(JokerAce @ Sep 17 2018, 01:32 PM) Heard that from my friend too But I wonder how will the SST charge to the person that haven activated his/her card? If the person never realise that inactivated card after a long time will they kena ccris because didn't pay the SST? if not mistaken, yes. it will show on ccris.
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fruitie
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Sep 17 2018, 01:41 PM
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Rise and Shine
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QUOTE(JokerAce @ Sep 17 2018, 01:32 PM) Heard that from my friend too But I wonder how will the SST charge to the person that haven activated his/her card? If the person never realise that inactivated card after a long time will they kena ccris because didn't pay the SST? Once the card is approved will be in CCRIS already.
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SUSDavid83
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Sep 17 2018, 06:22 PM
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QUOTE(fruitie @ Sep 17 2018, 01:41 PM) Once the card is approved will be in CCRIS already. Even though it is not approved, it'll be under bottom section of the CCRIS report.
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fruitie
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Sep 17 2018, 06:42 PM
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Rise and Shine
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QUOTE(David83 @ Sep 17 2018, 06:22 PM) Even though it is not approved, it'll be under bottom section of the CCRIS report. Yes, I saw my rejected cards last time.
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deity01
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Sep 17 2018, 07:26 PM
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QUOTE(+ @ Sep 17 2018, 12:03 PM) so something like boost app where you reload the credit into the acct, plus with an actual masterccard you can use? seems alright. the benefits is more to when buying air asia ticket only? QUOTE(cybpsych @ Sep 17 2018, 12:18 PM) not necessary to buy aa ticket the bigpay mastercard let ur wife spend like normal card. it's actually a prepaid card. combine with decent cc with cashback, u get cb easily and no constraint for ur wife to use anytime/day (instead of m2c at weekends) U download the BigPay app, u then get the prepaid BigPay card..then u reload the money into the BigPay ewallet.. Then you gv the card to your wife.. Then..... When she spends using that card you will be notified...which means you can "spy" on her spending INSTANTLY..lol This post has been edited by deity01: Sep 17 2018, 07:30 PM
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[+]
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Sep 17 2018, 09:01 PM
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QUOTE(deity01 @ Sep 17 2018, 07:26 PM) U download the BigPay app, u then get the prepaid BigPay card..then u reload the money into the BigPay ewallet.. Then you gv the card to your wife.. Then..... When she spends using that card you will be notified...which means you can "spy" on her spending INSTANTLY..lol after reading some of the info here on LYN, a deduction of 200 when pumping petrol, and only return back few days later is a deal breaker for me liao
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mamamia
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Sep 17 2018, 09:02 PM
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QUOTE(+ @ Sep 17 2018, 09:01 PM) after reading some of the info here on LYN, a deduction of 200 when pumping petrol, and only return back few days later is a deal breaker for me liao  If u go in to the shop to pay, then it won’t pre-authorised RM200, it is pay as per ur total pump
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ClarenceT
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Sep 17 2018, 09:47 PM
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QUOTE(+ @ Sep 17 2018, 09:01 PM) after reading some of the info here on LYN, a deduction of 200 when pumping petrol, and only return back few days later is a deal breaker for me liao  No different from using credit card, as Credit limit RM200 is earmarked for a few days till posting.
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Tigerr
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Sep 17 2018, 10:05 PM
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QUOTE(deity01 @ Sep 17 2018, 07:26 PM) U download the BigPay app, u then get the prepaid BigPay card..then u reload the money into the BigPay ewallet.. Then you gv the card to your wife.. Then..... When she spends using that card you will be notified...which means you can "spy" on her spending INSTANTLY..lol Credit card also get notification too as you will receive sms whenever his wife swipe the card, be it a supplementary of using his own card.
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beLIEve
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Sep 18 2018, 12:05 AM
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ahhh, thanks everyone for your answers for not activating the Visa/Mcard to try bypass SST. Good to know the part about CCRIS too.
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#Victor
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Sep 18 2018, 12:30 AM
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QUOTE(David83 @ Sep 17 2018, 06:22 PM) Even though it is not approved, it'll be under bottom section of the CCRIS report. How to remove those cancelled / rejected cards records from CCRIS report?
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beLIEve
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Sep 18 2018, 12:39 AM
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QUOTE(#Victor @ Sep 18 2018, 12:30 AM) How to remove those cancelled / rejected cards records from CCRIS report? For cancelled cards, I heard you can bug or debug the bank. Don't think you can do anything about rejected records. If I don't have a memory crosslink with something else, it'll be removed after 3 or 6 moons.
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deity01
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Sep 18 2018, 01:01 AM
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QUOTE(Tigerr @ Sep 17 2018, 10:05 PM) Credit card also get notification too as you will receive sms whenever his wife swipe the card, be it a supplementary of using his own card. Dunno y, last time mine hv such notifications.. But dunno since when it no longer hv and I also dun bother to check with the bank..
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SUSDavid83
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Sep 18 2018, 07:29 AM
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QUOTE(#Victor @ Sep 18 2018, 12:30 AM) How to remove those cancelled / rejected cards records from CCRIS report? You can remove cancelled cards but not rejected cards/loans QUOTE(beLIEve @ Sep 18 2018, 12:39 AM) For cancelled cards, I heard you can bug or debug the bank. Don't think you can do anything about rejected records. If I don't have a memory crosslink with something else, it'll be removed after 3 or 6 moons. You can remove cancelled cards but not rejected cards/loans. Cancelled cards will still appear under Outstanding creditThey'll flush out after 12 months. That section is called Credit applicationQUOTE 3. Credit application This is the section where banks look carefully to see if you can take on another loan based on your current status. This article shows if you have applied for any credit facility in the last 12 months if you are approved or rejected. If your recent activity discloses that you have a current application that has been denied, your credit worth will seem questionable, and it could mean that you are unable to make repayments. If it has been approved recently, then it will also look questionable why you need another line of credit if you can pay for it considering your existing commitments. URL: https://www.gobear.com/my/blog/how-to-read-...nd-ctos-reports This post has been edited by David83: Sep 18 2018, 07:30 AM
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celaw
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Sep 18 2018, 08:31 AM
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QUOTE(David83 @ Sep 18 2018, 08:29 AM) You can remove cancelled cards but not rejected cards/loans You can remove cancelled cards but not rejected cards/loans. Cancelled cards will still appear under Outstanding creditThey'll flush out after 12 months. That section is called Credit applicationIs eCCRIS and CCRIS report had any different? I had cancelled my MBB 2 Gold Card in Aug, and it had disappeared from eCCRIS. Between, eCCRIS consists of "Outstanding Credit", "Special Attention Account" & "Application for Credit" only..
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SUSDavid83
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Sep 18 2018, 08:34 AM
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QUOTE(celaw @ Sep 18 2018, 08:31 AM) Is eCCRIS and CCRIS report had any different? I had cancelled my MBB 2 Gold Card in Aug, and it had disappeared from eCCRIS. Between, eCCRIS consists of "Outstanding Credit", "Special Attention Account" & "Application for Credit" only.. No different.
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celaw
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Sep 18 2018, 08:37 AM
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QUOTE(David83 @ Sep 18 2018, 09:34 AM) I had cancelled quite 5 banks credit card from April 2018 to Aug 2018. All is removed immediately on next month from my eCCRIS report. Seems like cancelled credit card is updated on next month basis. My Hire Purchase also removed on next month after I had completed the instalment.
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SUSDavid83
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Sep 18 2018, 08:38 AM
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QUOTE(celaw @ Sep 18 2018, 08:37 AM) I had cancelled quite 5 banks credit card from April 2018 to Aug 2018. All is removed immediately on next month from my eCCRIS report. Seems like cancelled credit card is updated on next month basis. My Hire Purchase also removed on next month after I had completed the instalment. Banks has duty to update the info in CCRIS on monthly basis. Some banks just doesn't.
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beLIEve
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Sep 18 2018, 11:42 AM
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QUOTE(David83 @ Sep 18 2018, 07:29 AM) You can remove cancelled cards but not rejected cards/loans. Cancelled cards will still appear under Outstanding creditThey'll flush out after 12 months. That section is called Credit applicationThanks David. One of these days, need to goto Bank Negara to get the ECCRIS (first time registration).
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