both AMEX and visa get charged for SST RM25 each...

Yes. 2 cards charged rm50. I'm thinking to cancel 2 cards soon. since I have another 4 cards. SCB JOP, Barcelona, public VS and gsc hlb card.

Did amex having gateway issue?
Cannot checkout, payment always failed.

same here, tried to pay ptptn just now. But i received the SMS my payment has went through

First time encounter this.
Hopefully fix by tomorrow.

I thought I was alone! I also received SMS but nothing reflected on my PTPTN portal.. Sigh. Gotta monitor my AmEx transactions to see if it's successfully transacted or not.

Work fine already, today can pay via amex.

just now pay fave voucher using amex using fave apps. no problem.

Well give and take, I was once accidentally rewarded cashback for payment to Airbnb at Monday 1AM+ Malaysia time

but if every month can get RM10 cash back still worth it.

Good to know but I am afraid of double payment..Yesterday's payment was already reflected in my M2U but I don't think it went through in PTPTN.

Yeah, I also planned to cancel my m2cards, not worth to pay RM50 when I only use one card and not all easy to get merchant who accept amex.. I gonna pay off all the ongoing BT b4 cancel the cards.. luckily no early settlement for BT

Assume not spending on electricity, govt, charity and insurance,
You collected 10k treat point if spend RM2000 in a year, use TP to contra one RM25.

Lots of people see the rm25 sst is a lot n will start cancelling the cards. Not aware that the cash back that they earned is much more than 25 in a year.
I often see people wallet got many cards but when comes to paying they will use cash instead. This group are the people are not aware of the benefits of the card but perhaps it is too little to them as they may not be using the best card out there. Some just getting the almost worthless points which at end of the year cant even change a rm25 vouchers.

It depends on how much you spend. I will cancel 2 Cards before March 2019.
If you don't use amex, you still get 2% cashback by using Barcelona visa signature.
Not all merchants accept Amex. If you spend more than RM170 per month, still worth to keep 2cards.
Rm170*10 months*3%=RM51

This post has been edited by engyr: Sep 23 2018, 01:12 PM

Most of my AmEx spending is now via Fave (Fave Deals or Fave Pay). Particularly useful on Fave Pay because those places normally don't accept AmEx, or needs minimum charge if paid via credit card.xan get back partner credits somemore..

I know of one of such person. But his intention was to get the acquisition gifts. Told me he doesn't care much with the cashback.

For me, I dont even care or aware of the cashback

I don't think so cashback will even make one rich

eg: cashback rm900 per month = 10800 per year

rm10800 will make you rich? just ponder about it.. lol

those who take advantages of 'little penny' cashback and spend so many thoughts on it ... lol...

but no worries... apolgise if my statement hurt those.... lol ...

but ponders about it if u think rm10k per year will make u rich and proud about it,, go for it.. no one going to stop u ...

and guess what some even care and make super big noise about bp points LOL!

... for me cards are for conveniences , air miles , premium status, and of course for big contest !

This post has been edited by saboteurs: Sep 23 2018, 01:59 PM

Aiyah....big contest also wont make people rich as well. Give u 10k gift also not going to be rich over night. Why harbor such hope n spend time looking for such contest? Better spend your time thinking how to spend money better lo. Use your cash instead of card n can help a lot of other people by giving a better chance for them to win any cash back or gifts.

10k per year cash back? Will this make you richer? Yes, this definitely make you richer lol

Imagine all this extra X 10, 20 years and all pour into investment? Wah, this will come to something big!!!!

Well, if you are earning 15-20k per month with leftover of over 5k per month after minus all your spending, then this is really means nothing to you lol

For those earning lesser than 10k, this means something to them as maybe the cash for their big dinner, travels at the end of the year.