I dun understand Amex new line of credit, what is that?

yah, me to blur on this. Amex staff please elaborate on this credit thingy.

LOC (line of credit) works similar like balance transfer. You will need to fill in a form to apply for it. If approve, you will be provided with a LOC account number.

With this LOC account number, you can transfer you balance from AMEX (only from amex charge card) to the LOC account to settle your amex balance. So your amex card left no balance, and you will need to pay to LOC acct in the future. Of course there will be handling fees and financial charges that stated in the lift let.

i'm using maybank AMEX for 4years++

but i cant seem to register with :http://www.americanexpress.com/malaysia/homepage.shtml

this website only for Amex Charge card.

warning dont ever apply hong leong bank american express card. They charge the fee upfront. i just kena. i mean wtf?
And outside all banks giving free annual fee waiver

maybank also no annual fee waiver...but if u can trade the annual fee with ur treatpoint..

MBB AMEX is free for first 2 years if you apply at the branch (new application). Not sure if it's the same for AMEX charge card.

thanks for that info...btw how about card replacement?? i lost my wallet 2gethe with my ccard..maybank charge me rm100 for both cards replacement...but said i can claim back if fax a copy of the police report....but until now still didnt give me back my rm100...

Usually bank will charge for replacement unless you can press the CSE not to charge on the replacement fee otherwise threaten them that you're going to cancel them.

For your case, I guess that you have keep on bugging them till they reverse the charge or what so ever.

lol..thanks for the advice...will fax them a complaint letter everyday... office fax FOC..

no la. Hong leong bank also tell me free before i apply..
after that i argue with the customer service agent on the phone my times. Still no result.
better use Diners. pump petrol with points.

Better get AMEX Charge Card if you can afford to payment off every month... so that can enjoy full range of benefits from AMEX.. of cos annual fee waive also

Charge card require RM25/50 participant fees for enroll Membership

wat the differ credit card with chargecard?
how to change my maybank amex c.card to charge card?

Major different between charge and credit card is ...

Charge Card : you have to made full payment on due date. Spending limit based on your payment records and spending pattern.

Credit Card: you only have to pay the minimum amount on the statement shown, interest apply...and credit limit is set.

if you wish to get charge card, i suggest you give AMEX a call... they might assist you further.

just to clear things...
Maybankard American Express = credit card
American Express(R) Personal Card=charge card...correct?



This post has been edited by anglee82: Jan 29 2008, 12:48 AM

yes you are right

seems like mbb amex can't link into my maybank2u online banking, can;t pay online then...
i stop using it now...

* arh... i just realise my amex is charge card. no maybank logo... thats y can't link into maybank2u.

the guys called to offer me said he's from maybank wor... i think the application form he fax me is the charge card 1.


hm... any xtra benefit for using amex charge card than credit card?

This post has been edited by genkis3: Feb 19 2008, 03:59 AM

basically...maybank amex credit card is called co-brand card. (got amex logo and maybank logo)

and since amex sold over their malaysia card business to maybank already. Maybank now can offer American express RCP (regular charge product) or market term is charge card which only bears amex logo.

In terms of the operation,staff are all from maybank regardless of amex maybank co brand or amex rcp in malaysia.