http://www.thesundaily.my/news/2017/08/21/...s-malaysia-june

At parliament, August 2017...

43.6% of card holders settled their credit card debts fully from last Jan to June.
Another 43.6% paid at least five per cent of the outstanding balance during the same period while the remaining 12.8% did not pay the outstanding balance of the minimum payment before or during the payment date.

Not arguing lah. Just to use the data to tell...
- CC holders are privileged minority, less than 20% of Malaysians can get at least 1 CC.
- Only 43.6% can "afford" to settle full payment every month. Thank you those 56.4% contributing to make the reward/rebate scheme attractive.

(1) M2U Bill payment - TM? Not supported anymore? I used it on 30/9.
(2) TM Payment Machines (Kiosks)

I just checked. Nothing changed.
Make sure you choose "Telekom - Tel and Multimedia" (Not Telekom - Unifi).
Remove "-" from your Streamyx account.

Use M2U Classic if you experience an error using new M2U.

This post has been edited by ClarenceT: Oct 3 2018, 10:43 AM

Your transaction on a August weekend?
Then check your refund is by Reversal (ie same transaction date but different post dates, debit in Aug & credit in Oct) or a new retail transaction (new transaction date - Oct date).
If the first one, most likely you need to spend RM1250 on weekends, otherwise you may get a "Negative" rebate for Oct.
If the second one, most likely you just need to spend RM1000 only on weekends.

My Ikhwan cards cancelled in 2011 still listed in M2U.

Pay for normal statement balance LESS RM23 at m2u Bill payment 1 weekend before the statement date. You will get -Rm2 on the next statement.

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.

Direct Debit will not occur on a weekend (Sat/Sun), usually a few days after the statement is issued! (I assume it is manually done during weekday)

It may not be so easy to know the next statement amount in this few months transition period, due to adjustment of GST and SST, change of package, turbo scheme.

Not everyone can fully understand how the direct debit rebate work, so I make your life easier, I suggested you to pay [statement amount less RM23] 1-2 weekend before statement date. (You get 5-15 sen less only)

At your own risk, you may play with -RM20.05 for the first direct debit, -RM22.05 (before direct debit rebate) for the subsequent bills, but you may have a chance getting a bill <RM20 then you lose -RM2.

Use m2u bill payment - TM / Unifi, you will get a thank-you SMS from TM a few hours later.
Most of the time I pre-pay on the last Sat/Sun of the previous month, if I have unused weekend quota.

RM0.00 Maybankard:We regret to inform that we are unable to accede to your card application. Thank you for your interest shown.

or a love letter from Maybank.

1800 is free.

1800 - It is free now (since a few years ago) from all my mobile lines.
maybe you are using a special mobile plan.

1300 still chargeable at local call rate.

1800 - Free Calls
1300 - Local Call (rate)

1300 is Not premium number lah, just at LOCAL CALL rate.

600 xxxxx is premium, can be RM2/min.
https://www.tm.com.my/Home/voice/vas/Pages/...neral-list.aspx

M2U - Bill Payment - TM Unifi.

Get a Maybank CASA -lah. FOC ATM/Debit. ATM almost everywhere in Malaysia.
You can do a lot of things in M2U including Fund transfer to overseas, hundreds of payees etc.

This post has been edited by ClarenceT: Oct 22 2018, 10:13 AM

I have a list of cancelled CCs in my m2u, cancelled in 2009-2011.

Last time I checked with M2U CS, they asked me to go to a branch.
Maybe accounts too old, different SOP.

Difference only RM5, not a big deal, no need WTF.