It's imposible to comment unless you show us your latest statement.

maybe u did not pay in full?
when in doubt best to call customer service.

I read the charges detail from website as follow :



Well, my cc statement is on 25th each month.
1st statement is 25th Sept, 2nd statement 25th Okt

I have paid even more than my total transaction in 1st statement.
For 2nd statement, I have paid more than enough too.
Normally during mid month, I will always pay certain amount 1st, then when statement out I will pay again lol

But the finance charges reflect on my Oktober statement ...

So i assume its for the previous month ??


Just need to understand more and need u guys to help me judge is it correct or realy they wrong

if i pay my credit card bill let's say few days late, will it affect my credit history?

It's hard to make an accurate comment as we couldn't see your statement for the past 2-3 months to analyse it properly. Best is if you have any doubt to call the CS of your cc and they will let you know what was the finance charge charged to you is all about.

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Added on October 27, 2008, 12:34 pmOnce off ... not a big deal and it won't affect you much except losing the consecutive payment reward.

Do it often enough and the bank will take note and remark you negatively.

This post has been edited by hye: Oct 27 2008, 12:35 PM

Just curious, anyone here "cover up" their CC 3 digit verification code?

I never did in my entire lifetime of using credit cards and never had any problems arising from it.

no point ler.. got some people scrap it our also.. but its embedded so can still see whn u slant the card abit

It seem Maybank's Merchant copy have our full 16-digit credit card number... bad practice.

Confirmed Raja Chulan Monorail station is the closest.

every merchant actually, not just maybank... all merchant's copy of the payment slip contained the full 16-digit number... somebody already mentioned this in earlier posts if i'm not mistaken

Did you use your CC to apply for another CC? When they photocopy your CC, did you cross out the 3 digit code?

nope.. i got both without the need to use my previous cc..

Yes, I did use my existing cc to apply for another cc. Rarely they will ask for the reverse side of the cc and even if they do, either the agent or myself will cross out the 3 digit code. Got to be extra careful doing the cancellation coz sometimes the carbon still stands out and you can see the number if you look at the paper from an angle. I cross it out till the paper nearly worn out, that way definately no trace of the number anymore.

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Added on October 27, 2008, 6:59 pmNot all the merchants. I was observing my purchases over the weekend and apparently some banks disclose the 16 digits on the merchant's copy and some don't. (I got one purchase where the merchant's copy did not appear the 16 digits) I can't remember which one did not reveal the 16 digits though.

This post has been edited by hye: Oct 27 2008, 09:49 PM

Tq a lot.

I called up CS, they said its due to cash advance .. quite blur listening to them lol. Finally give up since the amount is too less ..

Well need some opinion from you guys

I use my cc for average or mixed usage .. hence i dont apply those promotion type card. Just a basic Visa/Master.

1)Does it consider always 'less benefit' compare to promotion card such as 'shell card, mbb petronas, lady card, uob one n many many more'

2) I plan to have 3 main card. 2 for general usage (shopping,dining+petrol), 1 card for installment or expensive thing

Kinda hard to plan on my card. Need some advice or guide from sifu here

I see. So if I use my CC to apply another CC, I'll cross out the 3 digit codes if they ask for back copy of my card.

Just cross/erase it for safety.

how to use the mastercard paypass function? just touch it to the panel then go away or need to sign anything?

The cashier will ask you to touch your card at the panel.

No signature is required.

There's a transaction limit. Should be < RM 150.

its the same function as visawave right?

funny thing. most of my friends who has the wave card dont really wave.. thy still prefer to sign and swipe the card.. anyone know why? thy say thy prefer the old method..