i am keeping 3 cards.

SCB is better. they are ready to waive the rm25 for card holders. haha.

yes, the CS who attended to me told me this. in fact, i remembered previously rm50 time, they waived also.

haha. i think it is not easy.

i think even rm49.99 rebate earned instead of rm50 earned, fellow bros here will investigate the whereabouts of the missing rm0.01.

if there is any revert of transaction on Amex card, will the cash rebate be taken back also?

for example,

1 June - there is one rm1k transaction A, there is another rm1k transaction B.
2 July - rm50 cash rebate is given for the transaction A.
15 July - there is a reverse of transaction A

will the cashback of rm50 be taken back after 15 July?
if yes the rm50 for transaction A is taken back, will the rm1k transaction B be given cash rebate of rm50 due to the transaction A is reversed?

I think it is normal. they are indeed quite stringent in granting credit limit.

nice and sweet summary.

Cashback is in.

If reload e-wallet today using FCB, will still get any rebate? or it will be counted as no rebate since FCB is awarded rebate based on posting date instead of transaction date line M2U card?

very common. even u keep ur card locked in a safe and never use it. u will kena one day.

I still receive SMS alerts even now.

I am using MayBank app.

how long does it take for the spending on amex card during weekdays for the 5x points to appear in account?

Actually having a MasterCard is better. Most of the good rebate cards are Visa. It is good to have a MasterCard to enjoy MasterCard specific promotion (if any, but very rare though). Anyway, for either visa or MasterCard under the 2 cards, they are really meant to be placed inside cupboard permanently.

By default, MayBank only sms u when you make certain amount of transaction on your card. Unless u fill up to change the default threshold to rm0 then you get sms for all your transactions without TAC.

if not wrong, the bank only do charge-back to merchant if it is genuine fraudulent transaction or wrong transaction such as double charge etc.

if it is an dispute between customer and merchant such as dissatisfaction of products etc. , i dun think the bank will intervene. this one requires the customer to deal with merchant directly.

and if ur transaction is gone through with 2FA which you require to enter the SMS TAC to authorise the transaction, normally the transaction cannot be disputed.

of course u can file dispute, but it does not mean it will be successful either. if u file, it just gives a chance. however, u suppose to settle with merchant first technically before filing since it is not fraudulent transaction after all. i dun think any bank will jump into settle cases between ur merchant and u.

two-factor authentication (2FA) help the bank to verify your identity and it makes confidence for users to use internet banking.

99% of the fraudulent transactions are not authenticated with 2FA, most of the time those transactions can only be made for those website do not require payment with 2FA or the merchant charge directly to you based on your credit card number even without CVV. these kind of fraudulent transactions will be easy to dispute by customers as long as they have done the due diligent to report lost card/fraud transactions etc. since they are 2FA authenticated, so it makes disadvantage to merchant. same like merchant last time if they dun verify the signature of customer when swiping customer credit card, if there is dispute, merchant will be at disadvantage.

same for 2FA authenticated transaction, they are authenticated, so it is now customer's responsibility to provide evidences that they really do not perform the transactions with the 2FA. comparing to the above 99% of cases, this will certainly be tougher to dispute. technically, it is definitely not easy for anyone to fraud transactions with 2FA unless they really have your token/mobile phone to have the TAC.

Already last instalment 12/12 this month for my balance transfer under this promo last year. now free from balance transfer. Nice. haha.

No surprised. It has been changing over time. This is the bad part for treatpoints comparing to cashback which they can change the catalogue anytime.

This is why whenever I went KL, I will redeem the maximum points at one Utama I have without second thoughts.

nice.

Yes, inside. Hahaha.

Yeah. Too bad. Never get the big prize. haha.