i underestimated compound interest twice before, 1 time balance 5k and another almost 10k in creditcard debt. settled the 5k with persoanl loan and 10k by paying 700 fixed amount on top of watever amount used for the month for a year+. Then only settled.
salary tat time was gross 2.5k.

8k interest would be around 110++, so 4k should be around 50-60 I think? little rite? but the time u realized, its not that little anymore. Thats the scary part of creditcard, compound interest.

I once said it won't be me, I will clear watever I used that month. That might be the case if u use how much u can afford. but IMO if ur salary 2.5k, you are spending
5k and thinking of paying back in 3 months time? that's when the problem comes in.

But if there is no way around it and you still have to go for it, then just remember to pay extra on top of watever u spend. or else it could be a blackhole that you can never cover back, atleast not in a short term of time.

d*mn, write too long already

IF every place frm high kelas megamall to onion satu kati in pasar, michelin star restaurant to roti canai satu can accept
transfer on the spot, is there any need for cash note?
of coz thats a big IF, since not like tongshan now in MY still alot of place dun accept card/transfer.

if its under utilities, it will means that if u topup boost using Amex u wont be getting any CB, only treatpoints in weekdays?
sigh, just when i though can explore the use of boost to get the Amex CB..

my situation dun hav many place to utilize Amex, so even in 5% getting the full RM50/month is
quite hard already, use mostly fuel,unifi & occasion groceries shopping only.

well, it did happened before Amex took out the cashback.

I think I'll keep the amex and ditch boost, so reload boost the last time next month and use till the credit run out then c how.

me bad, me use boost main purpose for cashback but I try utilize whenever i can, instead of just in and out.
how the voucher work anyway? always c c no dare to buy. can campur other voucher to use?

LoL, I the other way around, use boost because of amex

yep, no more cashback.
revert back like when no grabpay, touch n go, boost, bigpay lo. in my case, only used it for fuel, unifi payment and groceries last time.

wonder is there anyway to use amex to top up mobile like tunetalk...

oh, tats an option too.. so 11street accept amex..

still think CB is better, no need headache how many point needed, how many point expired, how many point earned.
CB more straight forward.

i personally dun like the hustle to look through catalog and go through all
the points expiration calculation to use the point, just give me cb and done with
it is much less thinking to me..

If i read right the FAQ, it says tat although u could assign ur saving/current account and credit card, it says tat if
u scan QR it will only pay with saving/current, if ppl scan u can choose which account to use.
tested with scan QR, yes, only in saving/current account, and in ppl scan u, u actually can choose at the top right corner.
hope this help?

This post has been edited by ben_ang: May 31 2020, 07:14 PM

i also 1st time using maybank QR, sorry cant help u with tat..

go maybank2u->pay and transfer->pay from choose AMEX credit card
payee to tm tech (telekom malaysia) -> enter account no.
should be it.