Shinichi, those are the rate for the new ruling from BNM.

Those rates are in monthly basis whereas the new ruling advertise the rates as in annual basis:

Prompt repayment of 12/12 months 1.25% ---> 15% p.a

Prompt repayment of 10/12 months 1.42% ---> 17% p.a

Prompt repayment of less than 10/12 months 1.50% ---> 18% p.a

If you read back previous posts, you'll understand what < 10/12, 10/12 and 12/12 months mean.

Shinchi, the new ruling from BNM is very confusing indeed and I still couldn't fully comprehend it.

Guess, I don't care it much since I won't be paying late.

Perhaps you can read this page from Citibank to know more, it has an example as well:

http://www.citibank.com.my/APPS/portal/gen...red_pricing.htm

You can cancel them. Give a call to the Maybank CS.

So you received one Mastercard, one Visa and one AMEX?

Maybank is biased toward Visa rather than Mastercard (personally think so).

I suggest to keep Amex. It offers you 2x Treat Points for each RM 1 you swiped. It also gives your points when your pump petrol of any brand.

Because not all the banks offer Amex beside HLB.

No need to apply. TP is from MBB not AMEX.

Any transaction will give your 2x points for every RM 1 swipe.

Besides that, it also gives points for petrol transactions; not like classic Visa and Mastercard where no points awarded.

It won't replace but I believe it'll run concurrently. MBB TP has no relationship with AMEX Membership Rewards.

RM 1 = 1 points. No points are awarded for petrol purchases.

If you want to keep MBB, before terminating, you should change your Auto Debit to be attached to your MBB CC first. After that, your headache will be lesser.

That's why I hate to carry this discount card, that membership card in the wallet. It just makes the wallet thick.

Maybe he's a big spender.

AMEX offers 2x points. Certain merchant offers 2x points too.

Sometime, MBB offers 3x or 5x points on certain promo.

My statement is early of the month. I usually get my statement by mid of the month.

Any MBB user received a card about Ogawa's Father's Day celebration promotion? I got a card today.

I didn't even notice that portion. So are you going to redeem it?

It's so near to me. Let me think of it.

Yes. Electric toothbrush.

CIMB machine is Paypass terminal.

MBB Flex uses Visa Wave terminal.

Not compatible to each other.

This post has been edited by David83: Jun 17 2008, 08:36 PM

GSC Cinema and Carrefour.

I received an email regarding the new BNM ruling.

DA 2% deal is only for Mastercard. It's not entitled for Visa.