You are Lazada and Shopee expert. You should know both have their own digital goods (including bill payment, buying prepaid, evouchers etc) section, also known as Anypay and Airpay respectively.

FOC, if Air Selangor and Air Kuching. Other water companies, not sure FOC or not.

BTW it is very common Lazada-Anypay go disappeared on Saturday. You can't find it at this moment.

Regarding TNG, Lazada-TNG Official Store stopped selling TNG PIN since August 2023, you still can buy new TNG card there, of course nobody can remotely top up TNG card.

This post has been edited by ClarenceT: Jul 20 2024, 02:40 PM

Normal.

You applied at M2U?

In the future, for your case, NEVER use M2U to apply for CC.
Print out and fill up the application form, email to card centre with supporting documents.

You are over qualified for a low-end card, M2U Artificial Intelligence may reject your application. The robot may accept your application for high-end CC only. Email to card centre so the humans can read your documents.

Why so mafan?
Email your application to card centre directly.

CVV stands for the Card Verification Value and is a 4-digit number printed on all American Express credit cards.

Just submit your Borang BE/B 2023 with the acknowledgement of receipt and your I/C.

You use the correct CVV?
4 digit on your card (NOT 3 digit at the back of card)

This post has been edited by ClarenceT: Aug 3 2024, 11:34 AM

A lot of online websites (especially foreign sites) do not require 3D-secure (OTP/secure2u) verification. They are still using 2D method (card number, expiry date and CVV) for convenient and fast processing.

For airlines, you can call in to amend the booking, just need to give card number and expiry date (no need CVV), then the airline will debit your card account directly ya!

Ambank Enrich Visa Infinite/Platinum.
Up to 10% discount on MH (FY - not sure) flights.

Which type of Maybank credit card that you are currently holding? (otherwise you won't ask for CL increase)

You apply for new CC? which one? Maybank (conventional) or Maybank Islamic CC?

So you have a credit line from Maybank Islamic only.

Then you won't get a new credit line from Maybank Conventional, i.e. your application for Maybank M2 Visa/MC + Amex should be rejected. Unless you offer to reduce CL (maybe to RM5000, enough for Amex-i RM1250x2 + Mastercard-i RM1000x2) from Maybank Islamic and apply for conventional CC, up to Card Centre to decide.

Conversion of Credit line from Maybank (Conventional) to Maybank Islamic is allowed. But not from Maybank Islamic to Maybank (Conventional).

Don't waste time to apply again, if you do not reduce your credit limit with Maybank Islamic, unless your income is increased substantially since last review (I assume less than 2 years, as Amex-i was not popular before December 2022)

---

Otherwise, cancel all your Maybank Islamic CC first.
Then apply for Maybank (Conventional) CC, should be approved. [Assume you get CL RM50000 from Maybank].
Then CONVERT part of credit line (say RM10000) to Maybank Islamic CL, should be accepted.
Then you have CL RM40000 for Maybank (Conventional) CC (M2 Visa/MC/Amex) and CL RM10000 for Maybank Islamic CC (Mastercard-i, Amex-i).

This post has been edited by ClarenceT: Aug 16 2024, 07:04 PM

0x

Use other Bank CC that give >0.2% reward, much better than M2 Visa/MC 1TP (0.2%). Or use M2 AMEX to spend on Mon-Fri for 5x TP (~1%).

Read carefully.
1x + 4x Bonus

Some transactions 1x (eg Utilities) , some 1+4 (total 5x) .

This post has been edited by ClarenceT: Aug 23 2024, 12:15 PM

Digi Reload @ Lazada: no bonus.
Digi Reload @ Shopee (Airpay): no bonus but pay 75% only with 25% by Shopee Coins.

MyDigi: Up to 30% bonus credit (If offered at B.O.S. T&C apply). If pay by Spaylater, 50% by Spaylater (so Amex to settle Spaylater) and 50% by Shopee Coins.

Spend RM1000 on local transactions is better than spend RM1000 on local+foreign transactions!

Minimum monthly cashback must be >RM1.
So minimum accumulated transaction amount >RM20.

SMS OTP

No need to do anything, Maybank may use SMS-OTP when M2U is down. (But not sure on daily maintenance period)

This post has been edited by ClarenceT: Sep 9 2024, 11:21 AM

Which Takaful? Etiqa Takaful?

Don't think they accept Amex.