Haha just saw this part of reply.

Let me test next month if nobody has tested topping up boost on Saturday 1am. I already maxed my boost this month (4500) using Amex so can't try already. No problem testing as long as it benefits everyone.

Anyway to respond to the guy/girl earlier, I have topup boost at 7am Saturday (6 April) using Amex. No issues that it shows transaction date is on Saturday.

This post has been edited by beebee1314: Apr 20 2019, 10:13 AM

Well if you're paying for your exams, u can use the balance transfer method. I used to do that for my ACCA professional exams. Used to use UOB vox card to pay for 5% cb for online, then balance transfer to my aeon card for 6 mths interest free.

then go apply aeon too. I applied 2 banks for the acca exam fees many years ago. one BT, one earn cb. well as long as you're investing in the correct place, having debts is alright because it will be repaid.

Maybank will tell you "we have a card of AMEX only." Kindly visit our website for the product information.

the one you show no cb. not sure what is the TP like. macam 1x to 2x. See below from another guy. 1% unlimited locally, 1.5% unlimited overseas.

I thought withdrawal and payments shares the same limit of total 4500 transaction a month. No?

ahhhhh I didn't know. thought they share the same 4500. it's actually separated. nice. I shall go do withdrawal now.

how many days it takes for the withdrawal. last time I did it, took 1 week.

thanks man. I understand I'm using the system to withdraw which is bad. but like others, I wanna earn cash back. problem now is, I can't go bank to do withdrawals for bigpay. broken ankle. basically oku for 4 - 6 months.

anyway thanks Jeff.

Higher credit limit means ctos prettier meh? I thought higher credit limit means it'll eat into your financial commitments.

Higher credit limit, I believe will affect the ability for you to borrow loan later for your house. This is because, even if you don't utilise upto the limit for your monthly spending, it is already committed for you.

Hmmm. I always call banks to reduce my limit. Like affinbhp at 1.5k, public bank at 3k and etc.

It doesn't translate to prettier ctos. Financial commitment high, ctos still not pretty eh.

Not your spending, but still your commitment. When a limit is given to you, it becomes financial commitment. Whether you utilise it for spending or not, it is already there. Everyone has a financial commitment credit limit based on their salary.

So let's say today my credit card limit in total is 100k. Because of this, I will not be able to borrow full loan. Of coz there are other criteria, but credit card limit is definitely one of the major determinants in loan application.

So, a limit is NOT just a limit. A limit is a threshold allowable to a person as a financial commitment. So, the higher your credit card limit, the lower your housing/car loan limit.

Finally someone who understands that credit limit is NOT just a limit.

This post has been edited by beebee1314: May 23 2019, 11:00 AM

FPX got CB meh last time?

Not stated, or you never bother to read the Cash Back Terms and Conditions in the website? Don't have to recall. Anytime unsure, refer to TnC. Simple. Unless you're plain lazy to read.


3. The following transactions are not taken into account in the accumulation of Cash Back:
 Transactions for Maybank EzyCash, Maybank EzyPay Plus, Cash Treats, Cash Advance, and Balance
Transfer;
 Payment via JomPAY and FPX; <<<<-------¬
 Refunded, disputed, unauthorized or fraudulent retail transactions;
 Payment for transactions, payment of annual card membership fees, interest payments, late
payment fees, charges for cash withdrawals;
 Only Cash Back amount above RM1.00 will be awarded to Cardmember;
 Any other form of service or miscellaneous fees.

This post has been edited by beebee1314: May 26 2019, 12:10 AM

15-20 years ago, it feels so grand to hold a credit card to pay stuffs. Remember my aunt holding it to pay meals. When I got my first credit card, feels so grand too.

Don't be shy. Credit card shows you have earned enough to hold the credit limit.

Anyway if u wanna pay your celcom bills using Amex, try using boost. Topup boost using Amex. Then pay celcom bills using boost. I'm doing that now.

This post has been edited by beebee1314: May 27 2019, 11:19 AM

Waa mine is 8k. Need it to roll bigpay and boost.

LOL don't have to be sarcastic. But anyway, just sharing what my car loan officer told me. I used to think like most ppl do until the officer told me so.

Not worth. Why not balance transfer for 0% interest? Most banks have 0%. Just need to survey around. Just read the threads for credit cards.

Haha looks cool. Like watching TV, they open the wallet all roll down. Last time, ppl thinks use credit card looks grand. Now, cash is king.

If u utilise your credit limit, then it's bad la. If you don't, it's still a financial commitment, just u didn't utilise. It may still affect your loan application even if u didn't utilise, but if u utilise, then it will affect more lo. If every month kena late payment, ma lagi teruk lo. So if u don't really use so much limit, call bank to lower it. Like me, I only play around with bigpay and boost, so I don't really need so much credit limit. Public Bank QMC only 2k. Affinbank for petrol only 1k limit, maybank only 8k, SCB only 9k. All my cards ngam ngam roll 2 months only.

Ya I always thought so too. My can loan officer may be wrong, so you can double check with your car loan or house loan officer. I kaypo ask so she told me lo. Dunno la. May not apply for all.

I know ppl with bad rating and low salary also gotten car loan. Every few months sure refinance his credit card debts. Keep EPP and pay slightly higher than minimum payment only. Oh well

So my car loan officer may not be 100% correct, anyway I already reduce.

Yup I requested. No banks give u 2k limit or 1k limit. Affinbank one is lousy though. Must go branch to reduce. Phone call they don't accept.

This post has been edited by beebee1314: May 28 2019, 03:38 PM

your officer and mine talk same thing haha

my car loan auto transfer from savings. so never kena overdue. loan is.importsnt coz poor ppl like me wanna borrow money for car. haha

not confirm kena reject la. but due consideration lo.