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

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Lance XIII
post Oct 26 2018, 06:03 PM

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Is it possible to cancel the Visa (due to SST) and apply for Barcelona? So I will end up with Barcelona + Amex.
Lance XIII
post Nov 4 2018, 03:13 PM

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Hi guys, i received an email of suspicious transaction using my credit card. But everytime i call the toll free number they have high traffic. What can I do?

Edit: Ok nvm i managed to get through already, everything settled including cancelling the visa card lol

This post has been edited by Lance XIII: Nov 4 2018, 03:29 PM
Lance XIII
post Nov 5 2018, 11:57 AM

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Hi guys, may i know what the difference is between outstanding statement and balance statement?
Lance XIII
post Nov 5 2018, 12:41 PM

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QUOTE(fruitie @ Nov 5 2018, 12:02 PM)
Balance statement = Your outstanding payment that needs to pay on/before your due date. Basically it is for all the spending incurred during your last statement cycle.
Outstanding statement = Balance statement + your unbilled transactions (which will appear in next statement)
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Oh ok, thanks cybpsych and fruitie. But if i recall correctly, last night i tried to pay the balance statement but the option to pay it didnt appear. Only had the option to pay my Outstanding.
Lance XIII
post Nov 5 2018, 01:57 PM

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QUOTE(beLIEve @ Nov 5 2018, 01:08 PM)
I just went in to looky see. There are a few options under Fund Transfer - Any Amount, Minimum Amount, Statement Amount, Outstanding Amount. If you use the Pay option (your card should appear under Favorites) and choose your card, you can just enter the amount you want.

Maybe maybank2me doing maintenance when you went in last nite? I've encountered weird behaviors between 12am when they start daily maintenance all the way until 2am.
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Alright, i will check again after work because cant cancel the visa if still got hutang haha
Lance XIII
post Nov 5 2018, 11:23 PM

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QUOTE(kevyeoh @ Nov 5 2018, 12:45 PM)
I think that is because your balance statement not include the cashback
.. once cashback in
.. your outstanding becomes lower... they only allow you to pay what you owe... so try paying outstanding balance and see... should work ... having said that ... your outstanding amount should be lower than statement amount too ...
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Ok so I finally got the chance to check, my 3 options of Minimum Payment, Statement Balance, and Outstanding Balance are RM 0.00, RM 75.86, and RM 0.00 respectively. I tried to pay off the 75.86 but kept getting error [Account not authorised/Amount exceeded outstanding balance. Reject code (0076)]. Its under my VISA card so i assume its not a cashback issue?
Lance XIII
post Nov 5 2018, 11:55 PM

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QUOTE(fruitie @ Nov 5 2018, 11:42 PM)
Your outstanding balance is 0. That means you have paid off. Check your transactions.
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But what about the amount in my Statement Balance? Am I suppose to wait for it to be outstanding only can pay? Sorry i'm quite noob at this haha
Lance XIII
post Nov 6 2018, 12:17 AM

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QUOTE(fruitie @ Nov 6 2018, 12:12 AM)
Statement balance will not reduce until next statement cycle. Just see your outstanding amount is reduced or not, in your case already zero means everything is cleared.
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Oh ok, my next cycle will be in 2 days so hope everything is clear by then haha. And yes my outstanding is zero. Thanks everyone for helping me out, very lucky i found this thread haha.
Lance XIII
post Nov 6 2018, 10:57 AM

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QUOTE(cybpsych @ Nov 6 2018, 07:37 AM)
think this way.

cc statement balance = your other monthly bill statements, e.g. water bill, electricity bill, mobile bill (postpaid), unifi/broadband bills, etc

statement balance = historical billed (usage) amount. because it's a cc, you use for 1mth (i.e. statement/bill cycle), then only you got billed each "cycle" and need to pay. cc bill is like a postpaid bill. use first, pay later.

since it's a historical bill, you cannot CHANGE history information  biggrin.gif  what has happened (used), has happened.
back to other monthly bills, once you pay the bills, does the bill goes back to ZERO? no, right?  laugh.gif
now, Oustanding Balance = tabung hutang bank  laugh.gif the amount fluctuates depending on your usage (add/increase) and payment (minus/decrease).

some ppl will always payoff whenever they see any amount in Outstanding Balance. well, that defeats the benefits of having a cc. might just use Debit Card instead  biggrin.gif
ok, below is a simple illustration that i did previously ...
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Let me see if i got it right, whenever i use my card, it goes to Statement Balance first. Then, at the next cycle, any amount in the Statement Balance transforms into Outstanding Balance. Only when it becomes an Outstanding Balance will i be allowed to pay it off? Please correct me if im wrong

Also, the last time I forgot to pay my outstanding I got late payment penalty XD.
Lance XIII
post Nov 6 2018, 11:20 AM

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QUOTE(cybpsych @ Nov 6 2018, 11:06 AM)
wrong

Outstanding Balance is the MAIN "bucket" for all your current outsanding.

on current Statement Date, the used amount is cutoff between previous statement date -> current statement date will be your Statement Balance. this is your "monthly" cc bill/statement.

same as your other bills. always a certain cutoff period, right?
make it short, ALWAYS pay STATEMENT BALANCE by DUE DATE. simple.
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Ok, thats clearer but still, why am i getting an error (Amount exceeded outstanding balance) for trying to pay my statement balance? Is it because its not its DUE DATE yet? Is DUE DATE the same as CUTOFF date? Sorry I'm so bad at this hahaha
Lance XIII
post Nov 6 2018, 11:34 AM

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QUOTE(cybpsych @ Nov 6 2018, 11:21 AM)
Outstanding Balance = 0

you already paid your 8 Oct bill, right?

ask you, when did you make your last cc payment?
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Yes i fully paid the outstanding on 25th October and then noticed that there is this rm70+ plus in my balance statement.
Lance XIII
post Nov 6 2018, 11:55 AM

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QUOTE(cybpsych @ Nov 6 2018, 11:42 AM)
your payment @ 25 Oct was to clear Statement Balance as of 8 Oct (Statement Date aka BILL DATE) <-- this is your CURRENT Statement Balance.

Statement Balance WILL NOT CHANGE because that's the historical bill @ 8 Oct.

previously, Outstanding Balance = RM75.80, then after payment @ 25 Oct, Outstanding Balance = RM0.00.

in short, you owe NOTHING.
assuming no spending between 9 Oct - 8 Nov ...... your Nov statement would be generated @ 8 Nov, and NEW Statement Balance = RM0.00
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Ohhhhh, ok i think i've got it now. I did spend an amount in between 9 Oct - 8 Nov, i should be expecting to be able to pay it come 8th nov right? Also, is it the 8th of every month for everyone else too?
Lance XIII
post Nov 6 2018, 01:10 PM

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QUOTE(cybpsych @ Nov 6 2018, 12:03 PM)
yep, any spending between 9 Oct - 8 Nov, all will be statement-ed on 8 Nov, your bill date. this amount shall be your NEW Statement Balance.

Payment Due Date (PDD) shall be +20 days from 8 Nov, hence must clear off your 8 Nov's Statement Balance by 28 Nov.

yes, can change the statement date. last time i asked, here are the dates: 3 6 8 12 14 18 21 24 26 28 EOM (end of month)
fyi, here's your current statement cycle and due dates...

user posted image
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Ahh, thank you so much taking time off your holiday to educate me. I really appreciate it, and thank you once again biggrin.gif.
Lance XIII
post Nov 23 2018, 11:17 AM

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Hi, how are the SST charged to us? Will it be added to the credit card statement and can be paid through m2u as usual?
Lance XIII
post Nov 23 2018, 11:24 AM

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QUOTE(cybpsych @ Nov 23 2018, 11:21 AM)
charged into respective card.

pay your cc statement as usual.
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Alright thanks for the info smile.gif
Lance XIII
post Dec 3 2018, 04:30 PM

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My Visa also still shown in M2U after i called to cancel about a few weeks ago. However, only my Amex was charged the SST. Do i need to call CS to remove it from my M2U or just leave it there?
Lance XIII
post Dec 3 2018, 04:47 PM

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QUOTE(David83 @ Dec 3 2018, 04:37 PM)
Call CS to remove it if it's an eyesore to you.
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Lmao, ok I will request for removal when I have time then. Glad to know its cancelled already biggrin.gif
Lance XIII
post Mar 26 2019, 08:09 PM

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Hi guys, AMEX got any promo if for cinema?
Lance XIII
post Mar 27 2019, 05:32 PM

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QUOTE(ProxMatoR @ Mar 26 2019, 09:30 PM)
TGV with maybank card promo, can use amex
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Ah, thanks bro. I was busy checking GSC until lupa about TGV haha

 

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