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

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beLIEve
post Sep 23 2018, 04:24 PM

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QUOTE(stevenkkh @ Sep 23 2018, 04:07 PM)
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.
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Don't forget you need to spend big to earn big. Unless you apply plenty of workarounds of course.

For me, I think banks give, we take. As long as the amount is not too little lah.

QUOTE(saboteurs @ Sep 23 2018, 01:57 PM)
and guess what some even care and make super big noise about bp points LOL!
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I think they're trying to make the most out of the promotions.

QUOTE(saboteurs @ Sep 23 2018, 01:57 PM)
... for me cards are for conveniences , air miles , premium status, and of course for big contest !
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Me for convenience only. I don't even bother about any other thing. Since banks giving money, I just take.

This post has been edited by beLIEve: Sep 23 2018, 04:25 PM
stevenkkh
post Sep 23 2018, 04:33 PM

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QUOTE(beLIEve @ Sep 23 2018, 04:24 PM)
Don't forget you need to spend big to earn big. Unless you apply plenty of workarounds of course.
Cut short story is trying to search the best credit card to save money and to avoid paying any extra to the credit cards due to fees, taxes.

Max cap here is RM50 which is RM1K spending, so if you max out spending in AMEX, that is the saving.

If you don't even bother about all the discount and savings, then there is no difference for any card to you except whether it is annual fee free for life.

So if you are not interested at all, there is no point to discuss also what is the newest promotion, how to get the best out of the credit cards!
beLIEve
post Sep 23 2018, 04:54 PM

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QUOTE(saboteurs @ Sep 23 2018, 04:45 PM)
but wont purposely jump into ship like most of forumers here go reload and get cashback.. later reload missing and complaint.. i mean why make ur life hard, right?
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Haha. That's the best option to make money without spending. I wanted to, but since I wouldn't want to give my unwatermarked and color IC to Tony & Co, I had to skip. So I end up settling with genuine non-utility bill payment. Only 3x transaction A MONTH if I win.

Yeah, missing reload would be unnecessary problems. I guess as long as they're happy doing it. It's still free money. How often we get to 掠 money from banks? heh. So yeah, 掠 while it lasts if you have the time.
Morning_Star
post Sep 23 2018, 04:59 PM

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purchasing necessities like groceries to qualify min RM1k monthly to get CB is fine.

CB is to help reduce planned allocations for spending budget or to put as a piggy bank to accumulate for that "extra wants" (<RM 5k)

For retail therapy / indulgences / luxury products & services, use HLB Fortune.

BTW saboteur, when was the last big item amount u won from a CC contest ?

example no spending contest :
http://www.malaysiaairports.com.my/?m=high...&c=event&id=822
motorbike & small car --> try smaller sponsors
medium car --> try banks
tua tua lap car --> try MAHB Airports http://www.malaysiaairports.com.my/?m=high...&c=event&id=816
This one >500k

That is why ppl go for sure win cash back. (different from a chance to win cash/prizes/discount from retail purchases/travels,etc)
SUSsaboteurs
post Sep 23 2018, 06:49 PM

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QUOTE(beLIEve @ Sep 23 2018, 05:01 PM)
As you said earlier - unnecessary problem. IF their system gets broken into or some employee simply take and sell it out and end up taking loans from 大耳窿. I don't think they're as stringent as banks.

Edit : wahhhhh I get reported for talking to you
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I normally will ignore those reported post. Meaning there are users out there who has nothing to do in real life and only know how to hit report button. Just ignore those reported post and the troll will be tired of hitting report button lol
nickcct
post Sep 23 2018, 09:02 PM

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My card is fraud with iTunes payment while I'm not in the country, receive the 2 transactions msg today (txn fall on yesterday) once I place in my sim card today. Called MBB CS and they have terminated my card and replacement. The CS say can fill dispute form only after the txn posted, however i check in M2U it's not authorised, how am I going to know when it posted?
notok
post Sep 23 2018, 09:43 PM

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QUOTE(fruitie @ Sep 23 2018, 11:49 AM)
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. doh.gif
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when did you pay ? mine has not reflected in m2u yet
fruitie
post Sep 23 2018, 09:51 PM

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QUOTE(notok @ Sep 23 2018, 09:43 PM)
when did you pay ? mine has not reflected in m2u yet
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6.18 p.m. I called PTPTN, they asked me to monitor after 3 working days and call them back if it's still nothing reflected.
Luckily I have advanced payments with PTPTN..
SUSDavid83
post Sep 23 2018, 10:02 PM

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QUOTE(nickcct @ Sep 23 2018, 09:02 PM)
My card is fraud with iTunes payment while I'm not in the country, receive the  2 transactions msg today (txn fall on yesterday) once I place in my sim card today. Called MBB CS and they have terminated my card and replacement. The CS say can fill dispute form only after the txn posted, however i check in M2U it's not authorised, how am I going to know when it posted?
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Keep monitoring till it got posted in M2U.
Krome
post Sep 23 2018, 11:17 PM

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received an email from maybank promoting this maybank 2 card (amex & visa)

plan to apply for the 2 card and cancel my current citi cc.

just want to ask about this amex card.

anything i need to know about amex cards?

last time heard that amex not as popular or good as master/ visa.

if late payment, is interest rate higher than visa/ master?
facktura
post Sep 24 2018, 01:38 AM

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QUOTE(Krome @ Sep 23 2018, 11:17 PM)
received an email from maybank promoting this maybank 2 card (amex & visa)

plan to apply for the 2 card and cancel my current citi cc.

just want to ask about this amex card.

anything i need to know about amex cards?

last time heard that amex not as popular or good as master/ visa.

if late payment, is interest rate higher than visa/ master?
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once u start asking how high the interest rate in case of late payment, clearly you are not advised to own credit cards. whistling.gif
LostAndFound
post Sep 24 2018, 07:06 AM

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QUOTE(saboteurs @ Sep 23 2018, 06:49 PM)
I normally will ignore those reported post. Meaning there are users out there who has nothing to do in real life and only know how to hit report button. Just ignore those reported post and the troll will be tired of hitting report button lol
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Obviously you have had lots of reported posts. Ever tried to consider why you're getting reported all the time? Or perhaps you're very sure everyone is just dengki with your intelligence and wit rolleyes.gif

What makes a card worth the rewards or not isn't whether it gets you rich, but what marginal benefit you get from it. If you can get a benefit from the same spending then it's still a benefit even if you're not very much richer. Only those who have had life easily given to them don't understand that.
nickcct
post Sep 24 2018, 07:42 AM

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QUOTE(David83 @ Sep 23 2018, 10:02 PM)
Keep monitoring till it got posted in M2U.
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Thanks. Not sure what website leak my cc info. My GF sis also get fraud this morning.
pluginbaby
post Sep 24 2018, 08:16 AM

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QUOTE(saboteurs @ Sep 23 2018, 01:57 PM)
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 !
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I think one of the group you're referring to are the ones who outstation a lot and do purchases then claims from company. This group will benefit a lot since it is not actually their money that was spent to get those cash back. Meanwhile for other people, to get that much cash back they actually need to spend really a lot. Unless they sell back those items/goods isn't it?
jason210
post Sep 24 2018, 09:23 AM

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Hi, I found that last time use TP redeem RM100 voucher only 4x,xxxpts, now become 5x,xxx.

Is it?

correct me if im wrong.
SUSDavid83
post Sep 24 2018, 09:24 AM

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QUOTE(jason210 @ Sep 24 2018, 09:23 AM)
Hi, I found that last time use TP redeem RM100 voucher only 4x,xxxpts, now become 5x,xxx.

Is it?

correct me if im wrong.
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Since 01/07/2018
jason210
post Sep 24 2018, 09:27 AM

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QUOTE(David83 @ Sep 24 2018, 09:24 AM)
Since 01/07/2018
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still worth when redeem??
i cant find any other stuff can redeem,only voucher, u can buy everything u like.
ClarenceT
post Sep 24 2018, 09:37 AM

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QUOTE(jason210 @ Sep 24 2018, 09:27 AM)
still worth when redeem??
i cant find any other stuff can redeem,only voucher, u can buy everything u like.
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Redeem Card service tax 10k TP per card.
or go to SenQ/Senheng buy some electrical items.
cybpsych
post Sep 24 2018, 10:09 AM

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QUOTE(jason210 @ Sep 24 2018, 09:27 AM)
still worth when redeem??
i cant find any other stuff can redeem,only voucher, u can buy everything u like.
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if no urgent to utilize the TP, keep it for SST redemption.

10k TP per rm25/card and you can cross-redeem for other mbb cards too.
hitch80
post Sep 24 2018, 10:34 AM

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QUOTE(cybpsych @ Sep 24 2018, 10:09 AM)
if no urgent to utilize the TP, keep it for SST redemption.

10k TP per rm25/card and you can cross-redeem for other mbb cards too.
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I have to do the same thing for my maybank2card mastercard, as for the rest i have to let it paid by cashback
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