Hi. I just settle my ptptn loan repayment lump sum. But my statement it's not up to date & the officer did mention usually it takes 1 month to update the statement and release a letter of debt settlement. I don't have any credit history before this also. May I know if I try to apply for credit card what are the chances of approval or should wait one month for the release letter ?

Is there a rule where there is a minimum period to wait before putting in another CL increase request?

I have never failed in MBB CL increase request but this round I failed. My last CL increase was in April 2018.

Haha. So they're very the efficient. Look see your ccriss then you should know if Public Bank is the reason, or too soon an application.

I've read somewhere in this forum that Maybank2me will reduce your limit if you're not utilizing it.
wahhhh 1 month so soon. I thought have to wait until got extra income only can ask, but of course, no one can stop you from trying either.

Hehe you feel enough because you haven't learn from all the masters here on how to make money with credit cards.

I've read normally is 2x-3x. Somehow I got around 1.5x monthly basic + OT salary. They're last in my application spree, so maybe that's the reason. They didn't gave me any hassle, so thumbs up to Maybank2me.

Sorry, i meant Maybankard Amex Gold got different with Platinum?

Is travel insurance really important? Other than travel insurance seems like nothing different.

Thank you so much for the clarification. I had actually decided to cancel off my gold visa. Now thinking about wanna upgrade my Amex to platinum or not.

will kena sst again if upgrade?

I think someone mentioned about transferring money to your credit card account if you want to increase credit limit. In your particular case, just transfer RM4K to your credit card account and swipe RM24K for 24 months. After 1 month, your credit limit balance will be RM1K, after 2 months = RM2k, after 3 momths= RM3K and so on. Not much left for your other usage

Not sure, that was retail purchase using Visa, not from FPX.
U can temporary increase ur CL by top up to ur card prior the installment. For instance, u short of RM4k then u top up RM4k then u can perform the installment.

CS told me card will be cancelled automatically once new card is activated.

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anyone tried to apply for credit limit increase for Maybank 2 Gold Amex before? Did it got approved?

reason being I'm current only holding the AMEX card (Visa card already cancelled) and I'm reluctant to upgrade to platinum since I will be getting back 2 cards again

Hi guys, I'm currently on the 2 card gold and would like to move up to the 2 card plat. do i apply then cancel or do i walk into a branch and get their advice instead