Yeah, if that's the case, there's nothing in my mailbox at all. That's why I'm furious with the service PosLaju is offering. More like PosLembab.
Ok, that's enough of PL rant. This ain't PL thread. MBB, please change courier for future customers.

njhl. I hauled up MBB, and actually it's kinda their fault lol. Earlier they read out to me my address, all correct, then today when I call them, the address was missing my road number. No wonder they just decide to ignore my parcel.

Don't know who's error now. Printing dept or MBB or who. Weekend tmr, no amex for me.

For first time MBB card applicants, I rather you guys go to 1U card centre to apply. MBB website is notoriously known for their bad CC online application. Unless you already have a MBB CC with them, go to the card centre to apply is better.

AmEx -> Grab payments = OK
AmEx -> Grab Wallet -> payments = NO

Example
1) You book a car ride, set payment method to AmEx = You get CB/TP (TreatsPoints).
2) You book a car ride, set payment method to Grab Wallet (You reload GrabWallet via said AmEx) = You get NOTHING from AmEx but you earn Grab points after your ride.

It was there since few years back. On mobile it's harder to see as when we tap on the title, it won't show. Only shows when we enter the topic.

Not too long after Shopee starts to accept AmEx, Laz also followed suit. Give or take a month or two after Shopee.

Not exactly sure on Gardens MV but here's a general idea

RM1 = ??? TP by Maybank themselves.

MBB Card Centre On the Spot redemption (Gardens don't have)

This post has been edited by PoisonSoul: Jul 8 2022, 10:36 AM

Signed any papers? If you did not sign any papers, then no worries.

On the topic of CL, I just want some insights or wise words from fellow forumers here.

My current CL is very close to my current gross salary already (2-3 years back I applied for MBB2G and never requested to up CL).

Question is, should I request for an increase of CL?

I don't spend even near my CL. Only like very rare occasions I would need to use more than half of my CL.
I'm going overseas soon and I plan to request for a temporary increase of CL (maybe just an extra k or 2) but since as above, why not request for a permanent CL increase right?
I do have other CCs but MBB2G is my main and other CCs, I don't really use them (just to squeeze the perks of other cards).

So fellow forumers, temporary or permanent request is better? Greatly appreciate if the answer comes with some explanations/reasonings.

Some ppl dont spend online much
some ppl dont have alot of amex merchant near them
some dont spend at amex merchants, alot.

everyone has a different spending pattern. That's why u'll never see ppl recommending CCs to others directly but asking "what's ur spending pattern/lifestyle?" and so on.
To some ppl, they loyalty to bank >>>>>>>> CC benefits. Heck, MAYBE their connections with the bank has landed them some special offer/algo that gives them more TP or even CB.
Also, maybe to these ppl RM1 : 1TP can be enticing enough for their spending usage.

So don't call it useless. There's still usefulness, to each user. To you, it's useless but to others, maybe they can get something beneficial out of it.

Ask here

me too haha. almost wanted to take MAE but then I saw that RM8 annual fee, I turned away.
same goes to my other banks SA debit cards, always opted for the Basic SA and the staff always be like "u sure? but RM8 u can do unlimited withdrawal bla bla bla". "ya im sure. please no annual fees".

*ps, I love collecting plastics from different banks + having a basic SA with them shows that I trust them and increases potential of future service acceptance from them.

I think every bank in MY. BNM's directive to ask every bank to have a "basic savings account" with no annual fee but did not say banks must promote this first.
Banks relatively kept this very quiet as, of course they are not able to earn from this BSA. You can always find this BSA option hidden inside each bank's website. Usually hidden @ the bottom of the list of services they offer for savings account.


MBB for instance


CIMB for instance


You have to either scroll down or click "load more" on each bank's savings accounts options.


BNM directive (2005 though)

Generally if the statement comes already, u pay for it first. Later when you "win" the dispute, ur credit will be refunded to you to the AmEx CC.

Mine kena also but about a month or 2 before ipay88 made the announcement. It was quick. I called, CS say ok, cancelled d your card and we will give you a new card.
Got my new card after some PosLaju delay but if PL got it right, I would have gotten my card in about a week's time. I remembered I called on like a Tues or Wed, and PL was supposed to deliver it on the following Tues but keep say I wasn't home (but I was home whole day).

Anyways. It took them like 1 business day only (mind you again, before ipay88 made the bomb announcement) to revert the transaction. Eventually, I never pay for the fraud.


Update. Found my old ranting post. It was April actually. Click right here ->

This post has been edited by PoisonSoul: Sep 26 2022, 11:53 PM

Remember, mine happened in April 2022. iPay88 made the announcement in August 2022

Holy sheet, 4 months before the announcement.

Possible reasons:
1) Count your DSR (Debt Service Ratio). Generally if > 70% is a red area. Still depending from bank to bank. Some of them can tolerate up to 90% DSR. No, no one knows each bank's DSR.
2) Applied from MBB website? MBB website prone to rejecting applications without "any hesitation". Go to a branch to apply or if you are in KV, head over to 1U or The Gardens Maybank card centre to apply.

AP got a conditional approval from BNM that allows wave and NO PIN REQUIRED for transactions above RM250.

Source: MBB AP website (it's down as of time of posting so I can only remember from my memory)

Update



Source: Maybank PDF

Been using it on Shell since day 1 lol (since 2019).

There’s only a cap of earning TP iinm if you pump petrol over RM500/month.