Monday is 30/11 (November)

Where can you pay?
I had been using M2 Amex since 2011, paying GE insurance >10 years.

I have more than 1 policy to pay every year.
Direct debit (Visa/Mastercard) at the beginning (before 2010), then I manually paid at GE Kuching or Great Eastern Mall Ampang, now online payment is possible then I mostly use GE epay but I may pay at GE's payment counter (not online, so for additional cashback under non-online category).

The Tiger bank is the #1 card issuer, having >1 million CC users. Tak rasa apa if a card user want to cancel a CC facility. You can cancel and apply anytime you want.

RHB VS, 0.2% unlimited on "others", also spending less and higher cashback % for online, entertainment (recreation club) and shopping (departmental).

I may consider using Maybank FCB VS now.

November CB was calculated at 23:59:59 30/11.
But you had some transactions yet to be posted (settlement) right? You expected Maybank would advance you the cashbacks?

Why not convert your conventional credit limit to Islamic credit limit (Maybank Islamic - Ikhwan cards)? 100% approved.

https://www.maybank2u.com.my/iwov-resources...rsion_new09.pdf

You already have a credit limit from Maybank (Conventional). It is very unlikely you will get additional credit limit (for Islamic) from Maybank Group if your income is not improved.

If you want to keep FCB VS (Conveniental), consult Maybank Card Centre. You may cut a part of conventional CL for Islamic CL, eg ask Maybank to reduce your CL by RM5000 and Maybank Islamic give you a credit limit of RM5000.

https://www.maybank2u.com.my/mbb_info/m2u/p...tKey=ACC06.07#6

Setel RM100 credit @ Shopee being sold at RM93 today.
Assume pay using Amex (no shipping voucher required) RM4.65 weekend cashback.
So cost RM88.35 for Setel RM100 credit (note: short validity, so must use ASAP)

Unfortunately Shopee already block any usage of discount/cashback vouchers for this Setel voucher.

This post has been edited by ClarenceT: Dec 12 2020, 07:46 AM

Your card is terminated, doesn't mean the account is closed. The account is still good for reversal of transaction, posting of outstanding transactions and shipping charges (eg for my case, Citibank - redemption of reward points) etc.

If you didn't pay the statement balance (RM62.11 or higher from 14/11) by 4/12, the outstanding amount and all the new transactions after 14/11 (to be billed in statement 14/12) will incur 13%-18% (p.a.) interest

If you didn't pay the minimum amount (normally RM25) as stated in your statement by 4/12, a late payment penalty (RM10 if I am not wrong) will be charged.

Check on 15/12 (new statement dated 14/12)

But I found that your current outstanding balance is negative (credit balance), just curious if your outstanding balance from 14/11 to 4/12 had ever reached Negative value (credit balance), contributed by prize, incentive, cashback, reversal etc? If so, you may have settled your statement balance by 4/12, then no late payment penalty and interest.

The transaction date (as shown in M2U once it is posted, normally the local time at the merchant, but some merchants may use different time zone) must be a Saturday or Sunday.

You swipe at Tesco London UK, 8pm Sunday during winter (KL: Monday, 4am), the transaction date captured is a Sunday so you will get a weekend CB.

You buy something online at a US store (assume PT time zone) on KL time, Saturday 12pm (where and when you perform this transaction), the transaction date is Friday (Friday evening in California) so no weekend CB.

To be safe for online transactions, it is better you perform transaction at KL time 8pm Saturday to 8pm Sunday (7pm when NZ in summer time, GMT+13). It is very very rare the transaction is recorded at GMT+14 (Samoa).

This post has been edited by ClarenceT: Dec 15 2020, 05:04 AM

If your transaction was posted in Dec, the weekend CB will be credited on 1/1/21. You mentioned you already got a CB, then it is likely for other transactions posted in Nov or you won a prize/gift.

Most likely the first one on 5/12 (Sat) is for verification only but the merchant never sent for settlement. just to hold your credit limit.
Then 14/12 (Mon) the merchant debit your credit card account based on your order/invoice/shipment.

Based on my experience from other online sites, it is very common for foreign online sites.

However, for your case,
(1) The transaction date is NOT a Saturday or Sunday, so you will NOT get 5% weekend CB (M2 Amex)
(2) Maybe it is not a online transaction, so the card issuer may not give online cashback, but for M2 Amex, it doesn't matter it is online or offline.

If the transaction date (M2U) is a Sunday, you will get weekend CB.

Why here? Not halal here.

Different time zone, most likely Pacific Time (California) or Hawaii-Aleutian Standard Time.

This post has been edited by ClarenceT: Dec 22 2020, 12:39 PM

M2 Visa/MasterCard 10000 TP
M2 Amex 10000 TP