if no interest and no one time processing fee, the effective interest rate should be zero

i already sign up for more than a month but no email whatsoever to create the acc for Payhere...

GHL HQ based in KL, and from their contact page the most earlier timezone found from their subsidiary is from Thailand or Cambodia which is only one hour behind and Australia which is 2 hours ahead, so just make sure you make the payment within Saturday 1am to Sunday 10pm should be no issue

i think all platinum in Maybank required min RM60k pa...
anyway you can apply for FCBVS with only RM48k pa requirement

should have ask someone to top up everyday RM33 and see which date they start not given out cb

it should reflected in the transaction history as well, wait for another day if you saw the available credit limit increase as well

i don't get you, once you saw the credit in the transaction it should be as a payment as well unless it is over the 20 days from statement date, else even though they charge you with finance charges, you still can appeal to waive that finance charges because during the 20 days interest fee period the total credit amount is same as the previous month statement total, they can't charge u extra finance charges, i already got many cases for AF late waiver that charge me finance charges the following month but all appeal successfully.

PS: just need to make sure the reversal is before 20 days of the statement, else you need to pay that extra charges within 20 days before they reverse for u

This post has been edited by tan_aniki: Sep 2 2019, 06:37 PM

if the reversal is between 3-23 Sep then should be alright, you can appeal for finance charges if really there is any on next statement, else before 23 Sep you still can't see the reversal, then just pay for the dispute transaction, if the dispute amount is quite big then later on just top up to BP and withdraw from there

no choice u need to park there and slowly cash out unless you want it fast, just call CS to ask for the status cos you face this problem as the amount is quite big

or maybe you can ask the CS to transfer the extra credit in cc into your savings, i have done that b4

again, there is no such thing as SST waiver, only SST rebate/cb...
btw maybank doesn't give such offer, but offer you to exchange from treatpoints.

so far in my list, affinbank, ambank, mbb and rhb totally no rebate for SST while there is only one special case from fruitie for scb (threaten to cancel).
able to get SST rebate from aeon, pbb, hsbc, uob and hlb.

haha, sorry ya, wrong word lol

any cc with online cb, just dump into BP and pay with it

I just got mine double back cos previously got 2 cards, vs and fcbvs, after vs and 2 cards visa cancelled, i didn't notice my credit limit cut into half, now restore back to original


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just submit your application form with your latest pay slip or epf statement

why you wanna pay Digi bill at Digi shop since you can pay it from the apps with Amex?

anyone tried Starbucks top up with FCBVS still entitled cb on last month? i just try top up just now, not sure can get the cb on this month anot...

It's Ok la, use Starbucks apps 10 drinks free 1 ma, it's still 10% and additional 2% from FCBVS, so still Ok la

i forgot last time the 2 cards came together or not, if came in separate mail, this is what i suggest if they don't allow u to cancel the MC.
normally the SST will be charged after 3 months even though no activation but after two months, u try to ask the MBB that u didn't receive the MC, only Amex, then they will try to send out again.
use this trick every 2 months till they fed up and try to ask them to cancel the MC, they can't charge u SST as u are pretending that the card never receive from ur end.

no harm trying right