I understand you, though in my case i applied for credit limit increase (only peanuts 6k now). Because according to the bank staff if you're applying for new cc from mbb, the existing cc limit will likely be revised too.. Then should be somewhat similar right? Mbb is also my income crediting bank..

Anyway, I have applied 5x for cc limit increase from mbb which includes 3x appeals (and further recommendation from manager lastly), very sadly still declined. Ccris clean.. Substantial savings in amanah saham (even gave them detail statements for the year for all funds to prove I'm not using any of the money in AS) in the event they think I'm not 'credit worthy'..

No problem getting new cc from pbb (supposedly very strict too) and their cc limit is 4x my mbb limit (also apparently strict on their cc limit). Also no issue with temporary cc limit increase from cimb.. Absolutely embarrassing.. Lost 1 future client, think I'm not the only one judging from this thread (don't think they care anyway). Ultimately as I've mentioned before, it's just pure luck.. Just keep applying after intermittent period..

This post has been edited by timo1003: Sep 21 2018, 09:57 PM

I see.. Yea. Actually I wanted the high limit then because i wanted to utilize the mbb 0% 12 months bt plan, which was reintroduced and i coincidentally also had a large purchase around the same time.. Previously i wasn't too concerned about the low limit given, been using the card for more than 3 years with the initial limit given (more than sufficient for the cb).. So yea, ended up using the pbb 0% 6 months bt plan only.. So you see there's a 'loss of business' (since someone mentioned before, banks hope those who use BT will fail to pay and then earn from the late interest).. Can't also say they don't care about ikan bilis right, otherwise they won't be bothered to offer many types of loan facilities/products to ikan bilis.. Business is business, doesn't matter your financial background..

But at least the experience was an eye opener for me.. So, just apply any cards you like and hope for the best (literally)..

Just called the CS. Got bullshitted twice by the same person .

1. Cannot transfer my BT from the useless Visa card to Amex
2. Cannot cancel the Visa as it's bundled with the Amex under M2c

Will call again until I get the right outcome.

#Victor don't think there's much we can do. Just recall and talk to a different CS.

Just called again and managed to get the approval to move my BT installments from the M2c Visa card to the Amex card. According to CS will be done within 5 working days.

Another surprising thing is the CS said I can only transfer the installment if I want to cancel the Visa card ..

Thanks, glad to know that this is consistent with my experience with the CS. Otherwise I'd think the CS was just trying something 'funny' when he insisted that the visa/mc must be cancelled immediately before he can proceed with the request to transfer all oustanding installments to the amex card, since nobody else reported on something similar here..

MBB at its finest. I can still see my cancelled visa too.. Can't believe we have to call them 'more than once' to get your cards removed from the system in the event that it's not removed yet (and from this thread it seems to be a 'normal' situation). On the contrary, my cc cancellation with CIMB was instantaneous, called CS, logged in cimb clicks at the same time, when requested to cancel, immediately reflected on my cimb clicks. The card was already 'gone' by the time the CS officially communicated to me (same call) that my card cancellation request has been approved.. If CIMB can, why can't they? (afterall it's sort of an open secret that these two 'compete' a lot)..

Just wish to reply to your post even though it's an 'old' one.

Then you're considered lucky (a term i 'prefer' when it comes to these credit applications). My experience, credit limit increase applications rejected 5x times (2x manually through staff/branch personnel on separate occasions, 1x through m2c, 2x appeal via email). My emails included long justifications together with attachments of any other relevant income/saving documents i could think of (with the hope that the 'persons' considering these appeals would actually understand the situation before making the final decisions but to no avail). No ptptn loan, ccris and ctos clean, always paid everything in full with statement balances.

A month later, applied for the fcb mbb cc through another bank staff. Got it with an increase to my credit limit. By then the limit increase was 'useless' to me because at the time of my first application for the credit limit increase i had wanted to utilise the then existing 0% 12 months mbb BT for a big purchase (my sole reason for the request). Had no choice then but to use the PBB 0% 6 months BT instead, losing some 'interests' . Though some would say 'why don't you 'redo' the BT since no statement is needed', but why the extra 'hassle' of an additional BT? I'm not like the pros or super disciplined ones here who can do that..

So what do i gather from all these? Just apply and fingers crossed.

This post has been edited by timo1003: Nov 13 2018, 03:12 PM

Hi guys. Sorry to bring up the old posts but I have a similar dilemma now and hence the question. Hoep you don't mind. Seems like there's two views here. I actually plan to do some foreign transactions over the weekend, so should I use bigpay or the Amex with the 5% cb?

As always Clarence, thanks very much!!

From my personal experience, it's mainly on luck. Doesn't matter if your CCRIS is super clean AND your CTOS rates you as a very eligible customer for credit application from the banks (ie high scores, and bear in mind ctos or other similar credit rating reports take into account your credit utilization, total loans, loan types etc).. They can still pick on the 'minor stuff' and reject you.. You'll find many bizarre examples/cases being shared in many of the credit card threads here..

I mean, come on, is granting say 2k credit limit an unreasonable risk? When you have say a 5 digit monthly income just an example..

Just keep trying.. Apply, appeal, and reapply in a few months time if the initial applications don't succeed..

Or if you must have it asap, you could consider another possible route (subject to bank's acceptance/approval), using fd to pledge and get your cc..

Er, it's still up to the bank's discretion on whether they accept such an arrangement, they don't 'HAVE TO' approve just because of the pledge, but if you really want the cc asap you can consider this option and enquire further from the bank.. Also bear in mind the t&c when it comes to pledging fd for cc..

Hi fruitie starry-starry, hope you don't mind me asking you some questions. Did a search and read through your earlier exchanges in the past but I am still kinda unclear about them .

My m2c gold has an expiry date of 02/21 and I wish to apply for an upgrade to the m2c plat. If i understand you both correctly, can i attempt to apply for the upgrade anytime now and then cancel the gold card (assuming the plat is approved in early Feb), so i only get charged for SST once (or 2x since it comes with the mc/visa) on the plat?

Or is it too late to do it now? Appreciate your feedback..

Ok, thanks ya guys/girl! Appreciate it

Looks like i hit a big wall for this mbb CC. Everything 'failed'..

1. Got my platinum approved and wanted to cancel the m2c MC that came together with the Amex and was told I can't cancel it at all. If i cancel the mastercard i'll have to cancel the amex.
2. Ask to transfer all outstanding instalment payments from amex gold to amex plat. Denied, was told it can't be done.

Didn't try to ask about the possible TP transfer though since i was already given two negative answers to my requests.

Thanks.

I called the plat sc. Yes, i've done the instalment transfer before and it was allowed, that time it was from the m2c visa to m2c amex. Wil try again tomorrow, hopefully i don't need to call several times to get everything done..

Sometimes a little bit of 'logic/common sense' does help in these kind of situations..

Unfortunately in my case perhaps 'minimal' mental exercise was done with just a regurgitation of the 'standard answers'..

Thanks, will do.

Yea, probably some 'internal training' for the CS staff to beef up the services would help..

Haha, thanks for the suggestion, only when the situation aggravates .. Will try CS for now.. I was last informed by the CS that they can only attend to my requests when i physically receive my card (this is my second attempt btw).. Will only activate the m2c amex plat though..

My requests = transfer all tp and existing monthly instalments from amex gold to amex plat. As for the cancellation of 1 of the m2c cards (ie visa/mastercard), i was informed that i will still have to pay the rm25 sst even if i cancel the m2c visa/mastercard..

May I know whether your m2c credit cards were applied before or after 1/9/2018?

I see.. Ok thanks ya..