Lowyat.NET: Latest topics by alexwsk

[SOLD] Sigma 18-200mm f/3.5-6.3 DC Macro OS HSM C

alexwsk — Wed, 26 Dec 2018 22:09:38 +0800

Item(s): Sigma 18-200mm f/3.5-6.3 DC Macro OS HSM C Lens for Canon

Package includes: Lens only

Price: RM399

Item(s) conditions: USED

Dealing method: COD at USJ area or RM10 to Penisular (FREE if use Shopee)

Location of seller: USJ

Contact method/details: PM Only

Warranty: One month personal warranty

Photos and price:
Lens Brand: Sigma
Lens type: Zoom lens
Focal length: 18–200 mm
Image stabilization: Yes (Auto panning detection)
Lens mount: Canon EF
Max aperture: F3.5–6.3
Min aperture: F22–40
Min focus: 0.45 m (17.72″)
Max magnification: 0.23×
Weight: 405 g (0.89 lb)
Length: 78 mm (3.07″)

https://www.dpreview.com/products/sigma/len.../specifications

Some dusts visible, was told it has traces of fungus already, elements need cleaning/servicing, comes with Hoya Super Pro1 72mm UV filter. Sample photos can be found at https://photos.app.goo.gl/oCcVyX74HqyTkPtQA
Personal warranty 30 days, send back for full refund (buyer pays return postage). Best if COD so you can test the lens before buying.

[WTS] Crucial DDR2 1GB PC2-5300 PC Desktop Memory

alexwsk — Wed, 26 Dec 2018 21:28:01 +0800

Item(s): Hynix DDR2 2GB PC2-6400 and Crucial Ballistix Tracer 1GB RAM DIMM DRAM SDRAM Memory

Package includes: RAM only

Price: Refer individual listings below, buy more than one stick entitled for discount

Item(s) conditions: USED

Dealing method: COD at USJ area or RM8 to Penisular (Free via Shopee)

Location of seller: USJ

Contact method/details: PM Only

Warranty: One month personal warranty

Photos and price:

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Type 3 (4 sticks in total) RM33 for 2 sticks, RM55 for 4 sticks:
TY12864AA663.16FD Desktop PC Memory
Crucial Tenth Anniversary (special edition) 1GB PC2-5300U CL3 667MHz 240 Pin DDR2 667 DIMM 2.2V Dual Rank Non-ECC Unbuffered Highly Overclockable
https://www.techspot.com/review/23-crucial-...th-anniversary/

Maybankard 2 Gold & Platinum Cards V20

alexwsk — Wed, 29 Aug 2018 08:41:54 +0800

Section A: OFFICIAL ANNOUNCEMENT:
1) 08/07/2019 - Benefit revision: Cease of Rewards/CashBack for wallet/eWallet/e-wallet Reload (Credit Card), first reported by cybpsych
17 JUNE 2019 - https://www.maybank2u.com.my/maybank2u/mala...rds-wallet.page
* Please be informed that effective 8 July 2019, any reload to all Malaysian third-party e-Wallets using Maybank Cards will no longer earn any Maybank rewards (TreatsPoints / Membership Rewards™ Points / Treats AirMiles) and Cash Back.
2) 01/06/2019 - Benefit revision, refer below:

3) 30/09/2018 - You may now cancel the M2 Visa or M2 Master by using SST as your reason (for cards approved before 1 Sep 2018)
4) 01/09/2018 - SST coming, RM25 per card, refer announcement below or SST FAQ.
M2 cards will be charged RM25 x 2 = RM50 SST, CANNOT BE WAIVED. Can use TreatPoints (10k = RM25) to redeem / offset within 6 months of SST being charged.

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5) 01/07/2018 - New conversion rate for TreatPoints: 500 TP = RM1, click here for official announcement
6) 03-06/05/2018 - TREATS Fair
7) 5% weekend cash back for EVERYTHING by using M2 Amex on SAT/SUN, financial charge revised from 8.88% to 15%
8) Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related and JOMPAY 0 points, others affected categories are EPP, utilities, education, insurance (1x only)

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Section B: Latest Campaign/Promo
1) Date: 15/03/2017 to 30/06/2017, 10% cashback for Shell/Petron/Petronas using pin and pay with AMEX, sms to register, (NON guaranteed)! TNC please click here.
2) Date: 01/07/2016 to 31/12/2016, 5% Weekend Cashback is BACK (non guaranteed)! TNC please click here. - cash back is in with Oct 16 the latest, kindly check your online banking

Section C: Latest Developments
1. 02/09/2018 - No cash back and TreatPoints / TP for JOMPAY and FPX transactions

2. 15/05/2018 - New conversion rate for TreatPoints: 500 TP = RM1 starting 1st July 2018, refer Official Announcement above
3. 27/06/2017 - Changes in late payment charges and cash advance fees. Please pay statement balance before statement due date and NEVER withdraw cash from your credit card!!!

4. 15/03/2017 - 5% guaranteed WEEKEND cash back is BACK!!! Refer Official Announcement above
5. 01/08/2013 - Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month.
Latest TreatPoints / TP expiry FAQ here

*Archived Developments

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Section D: Previous Threads

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Click here to read Maybankard 2 Cards V16 Thread.
Click here to read Maybankard 2 Cards V17 Thread.
Click here to read Maybankard 2 Cards V18 Thread.
Click here to read Maybankard 2 Cards V19 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.

Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000
Maybank 2 Cards Terms and Conditions / TnC / T&C / Agreement
Maybank 2 Cards Product Disclosure
Weekend cash back terms and conditions
TreatsPoints terms and conditions
Maybank 2 Cards Benefit FAQ
Transaction Dispute Form

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 15% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government and JOMPAY: 0 pt, insurance and education: 1x) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card (except all transactions relating to government and JOMPAY: 0 pt) in Malaysia or anywhere else in the world.
5. 5% Weekend cash back - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back. Summarized by cybpsych below:

6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards, click here for insurance certificate

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. You DON'T need to have a Maybank Current or Savings Account to do this.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.

Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread), Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.

SOLD

alexwsk — Mon, 27 Nov 2017 15:42:51 +0800

Item(s): Various CPU / processor

Package includes: Processor only, WITHOUT heat sink fan

Price: Refer individual listings below, but more than one stick entitled for discount

Item(s) conditions: USED

Dealing method: COD at USJ area or RM6 to Penisular (FREE if use Shopee)

Location of seller: USJ

Contact method/details: PM Only

Warranty: One month personal warranty

Photos and price:

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Maybankard 2 Gold & Platinum Cards V19

alexwsk — Thu, 14 Sep 2017 19:05:43 +0800

Section A: OFFICIAL ANNOUNCEMENT:
1) New conversion rate for TreatPoints: 500 TP = RM1 starting 1st July 2018
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
2) TREATS Fair, 3-6 May 2018
3) 5% weekend cash back for EVERYTHING by using M2 Amex on SAT/SUN, financial charge revised from 8.88% to 15%

QUOTE(cybpsych @ Mar 15 2017, 09:06 AM)

WEEKEND 5% CASHBACK TERMS & CONDITIONS
http://www.maybank2u.com.my/WebBank/M2C-wkndCB_tnc.pdf
WEEKEND 5% CASHBACK FAQ
http://www.maybank2u.com.my/WebBank/M2C-newbenefits_faq.pdf

TREATSPOINTS TERMS & CONDITIONS
http://www.maybank2u.com.my/WebBank/M2C-TP_tnc.pdf

4) M2C RM9Million - cash back in with October 16 last
5) Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related 0 points, others affected categories are EPP, utilities, education, insurance (1x only)

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Section B: Latest Campaign/Promo
1) Date: 15/03/2017 to 30/06/2017, 10% cashback for Shell/Petron/Petronas using pin and pay with AMEX, sms to register, (NON guaranteed)! TNC please click here.
2) Date: 01/07/2016 to 31/12/2016, 5% Weekend Cashback is BACK (non guaranteed)! TNC please click here. - cash back is in with Oct 16 the latest, kindly check your online banking

Section C: Latest Developments
1. 15/05/2018 - New conversion rate for TreatPoints: 500 TP = RM1 starting 1st July 2018, refer Official Announcement above
2. 27/06/2017 - Changes in late payment charges and cash advance fees. Please pay statement balance before statement due date and NEVER withdraw cash from your credit card!!!
M2C General Terms and Conditions [ Link ]
M2C Product Disclosure Sheet [ Link ]

3. 15/03/2017 - 5% guaranteed WEEKEND cash back is BACK!!! Refer Official Announcement above
4. 15/04/2016 - Treats Points revised down across the board, refer Official Announcement above
5. 21/07/2015 - Revised fees & charges for credit and charge cards effective 15 August 2015.
Source: Maybank

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6. 15/05/2015 Retail Protection for platinum card will no longer be available after 15 May 2015
7. 01/05/2015 - TP inflation starting 1 May 2015, 400TP=RM1. Also Enrich redemption inflation Click here
8.28/02/2015 Golf Privilege - Complimentary golf at selected golf courses around Malaysia. (Please note that the Golf privileges will no longer be applicable for platinum cards after 28/2/2015)
9. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:

Latest TreatPoints / TP expiry FAQ here

*Archived Developments

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Section D: Previous Threads

» Click to show Spoiler - click again to hide... «

Click here to read Maybankard 2 Cards V11 Thread.
Click here to read Maybankard 2 Cards V12 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V14 Thread.
Click here to read Maybankard 2 Cards V15 Thread.
Click here to read Maybankard 2 Cards V16 Thread.
Click here to read Maybankard 2 Cards V17 Thread.
Click here to read Maybankard 2 Cards V18 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.

Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 15% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government, insurance and education) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.
5. 5% Weekend cash back - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back.
6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.

But the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U aka One Utama, The Gardens or KLCC (reported no more) where your application will be process within few hours (depends on situation). Please note, it is Maybankard Centre and NOT Maybank Branch.

If you need further clarifications (e.g. what documents to bring along) on the 1 hour approval at 1U Card Centre, you may contact them at number below. Contact Info contributed by Human Nature.
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. You DON'T need to have a Maybank Current or Savings Account to do this.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.

Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread)
Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.

Section G: Honorable mentioned
To Gen-X: Thanks for your many valuable articles shared previously which are no longer accessible at this point of time
http://creditcardsmalaysia.blogspot.com/
http://generationsxyz.blogspot.com/

Credit Card v20, Post/Ask general questions here

alexwsk — Thu, 04 May 2017 20:50:19 +0800

LATEST UPDATE: SST will come into effect on 1 September 2018, RM25 for each principal and supplementary card
For more info, please refer individual bank websites or Customs Website

Proceed from v19: https://forum.lowyat.net/topic/3802512

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

A. Some latest shortened cc thread links to refer easily: contributed by victorywp & alexwsk
AEON Credit Cards v4 https://forum.lowyat.net/topic/3929192
AEON Big v1 https://forum.lowyat.net/topic/3712657
Alliance Credit Cards v1 https://forum.lowyat.net/topic/2474465
Al-Rajhi Charge Card v1 https://forum.lowyat.net/topic/2397964
AmBank Credit Cards v3 https://forum.lowyat.net/topic/4444990
American Express v3 https://forum.lowyat.net/topic/1724607
CIMB Credit Cards v7 https://forum.lowyat.net/topic/4475541
Citibank Credit Cards v4 https://forum.lowyat.net/topic/3672923
HLB Wise v8 https://forum.lowyat.net/topic/4012607
HLB Fortune v1 https://forum.lowyat.net/topic/2161445
HLB Mach v1 https://forum.lowyat.net/topic/2421215
HSBC Credit Cards v2 https://forum.lowyat.net/topic/3457783
MBB2Cards Gold / Platinum v19 https://forum.lowyat.net/topic/4409607
MBB2Cards Premier v2 https://forum.lowyat.net/topic/3894106
MBB Visa Signature / FCB VS v2 https://forum.lowyat.net/topic/4067746
MBB Islamic Ikhwan V3 https://forum.lowyat.net/topic/4103568
MBB MU Visa v1 https://forum.lowyat.net/topic/2105923
Maybank Credit Cards https://forum.lowyat.net/topic/671053
PBB Credit Cards v4 https://forum.lowyat.net/topic/4638317
PBB World Master v1 https://forum.lowyat.net/topic/3877948
RHB Credit Cards v1 https://forum.lowyat.net/topic/2855886
Standard Chartered Credit Cards v4 https://forum.lowyat.net/topic/4095341
UOB Credit Cards v9 https://forum.lowyat.net/topic/4527718
Others:
Balance Transfer v4 https://forum.lowyat.net/topic/3918057
Places to use Amex v3 https://forum.lowyat.net/topic/3532126
BigPay v2 [url=https://forum.lowyat.net/topic/4623336]https://forum.lowyat.net/topic/4623336[/ur]
Debit Card v3 https://forum.lowyat.net/topic/2048731
Credit Card Foreign Exchange Rate Forex v1 https://forum.lowyat.net/topic/1845691
SMS Alert for Credit Card v1 https://forum.lowyat.net/topic/2195645
Pumping Petrol with Credit Card v1 https://forum.lowyat.net/topic/1798403
Cross Border Transaction Fees https://forum.lowyat.net/topic/2519936
TnG v1 https://forum.lowyat.net/topic/3427778
Reload TnG v3 https://forum.lowyat.net/topic/3757650
Loyalty Cards v1 https://forum.lowyat.net/topic/2843552
Suspicious Telephone Calls v1 https://forum.lowyat.net/topic/1833743

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required

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4. Credit Card linked to Petrol
- OCBC Titanium MasterCard; all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum; all petrol stations = 5% cash back
- UOB; BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank; SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic; PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic; PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA; ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money; all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz; all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: https://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1; 13.5% p.a.
Tier 2; 16% p.a.
Tier 3; 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal + 5% advance cash withdrawal fees
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM200k
7) Hong Leong Bank Priority Banking - deposit and maintain RM300k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - https://forum.lowyat.net/topic/1724607

8. International Transactions / Forex - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees

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11. Verified by Visa and Mastercard Securecode
Verified by Visa
Participating banks :

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MasterCard SecureCode
Participating banks :

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12. Balance Transfer - http://forum.lowyat.net/topic/3354596

13. RM50 Government Service Tax - NO LONGER IN FORCE from 01/04/2015

14. Airport Lounge Access - https://forum.lowyat.net/topic/4018832

15. Previous versions

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16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CCRIS report via email - http://creditbureau.bnm.gov.my/reportobtain.html
CCRIS online / eCCRIS: Register at BNM's kiosk for the very first time. Temporary PIN will be sent to registered phone number - https://eccris.bnm.gov.my/
CTOS: http://www.ctos.com.my/

17. FMB - Financial Mediation Bureau
https://www.ofs.org.my/en/

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
Introduction to Credit cards 2016 by Gen-X
Free Credit Card Tutorial by Gen-X

20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - 3 years (effective from 1st August 2013)
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - Pending reward system update
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) Maybank Visa Infinite - Min Income Requirement : RM 240k
6) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
7) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
8) RHB Visa Infinite - Strictly by Invitation Only
9) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
10) HONG LEONG Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) World MasterCard = Maybank WMC (assuming AF is waiveable)
7) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/4161836

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/3231432

25. Reload Touch n Go using credit cards - https://forum.lowyat.net/topic/3757650

26. Measures on Credit Cards by Bank Negara - http://forum.lowyat.net/topic/1796957

27. Beware of cross border charges by HLB, CIMB and SCB - http://forum.lowyat.net/topic/2519936
Sample case: Apple Store Malaysia by rickkywong using HLB credit card; wshoh using CIMB

» Click to show Spoiler - click again to hide... «

Confirmed no cross border charges: Ambank (by rickkywong)

Maybankard 2 Gold & Platinum Cards V18

alexwsk — Thu, 13 Apr 2017 22:05:36 +0800

Section A: OFFICIAL ANNOUNCEMENT:
1) 5% weekend cash back for EVERYTHING by using M2 Amex on SAT/SUN, financial charge revised from 8.88% to 15%

QUOTE(cybpsych @ Mar 15 2017, 09:06 AM)

2) M2C RM9Million - cash back in with October 16 last
3) Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related 0 points, others affected categories are EPP, utilities, education, insurance (1x only)

» Click to show Spoiler - click again to hide... «

Section B: Latest Campaign/Promo
1) Date: 15/03/2017 to 30/06/2017, 10% cashback for Shell/Petron/Petronas using pin and pay with AMEX, sms to register, (NON guaranteed)! TNC please click here.

2) Date: 01/07/2016 to 31/12/2016, 5% Weekend Cashback is BACK (non guaranteed)! TNC please click here. - cash back is in with Oct 16 the latest, kindly check your online banking

Section C: Latest Developments
1. 27/06/2017 - Changes in late payment charges and cash advance fees. Please pay statement balance before statement due date and NEVER withdraw cash from your credit card!!!
M2C General Terms and Conditions [ Link ]
M2C Product Disclosure Sheet [ Link ]

2. 15/03/2017 - 5% guaranteed WEEKEND cash back is BACK!!! Refer Official Announcement above
3. 15/04/2016 - Treats Points revised down across the board, refer Official Announcement above
4. 21/07/2015 - Revised fees & charges for credit and charge cards effective 15 August 2015.
Source: Maybank

» Click to show Spoiler - click again to hide... «

5. 15/05/2015 Retail Protection for platinum card will no longer be available after 15 May 2015
6. 01/05/2015 - TP inflation starting 1 May 2015, 400TP=RM1. Also Enrich redemption inflation Click here
7.28/02/2015 Golf Privilege - Complimentary golf at selected golf courses around Malaysia. (Please note that the Golf privileges will no longer be applicable for platinum cards after 28/2/2015)
8. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:

Latest TreatPoints / TP expiry FAQ here

*Archived Developments

» Click to show Spoiler - click again to hide... «

Section D: Previous Threads

» Click to show Spoiler - click again to hide... «

Click here to read Maybankard 2 Cards V11 Thread.
Click here to read Maybankard 2 Cards V12 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V14 Thread.
Click here to read Maybankard 2 Cards V15 Thread.
Click here to read Maybankard 2 Cards V16 Thread.
Click here to read Maybankard 2 Cards V17 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.

Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 15% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government, insurance and education) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.
5. 5% Weekend cash back - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back.
6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.

But the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U aka One Utama, The Gardens or KLCC (reported no more) where your application will be process within few hours (depends on situation). Click here to read Gen-X article on it. Please note, it is Maybankard Centre and NOT Maybank Branch.

If you need further clarifications (e.g. what documents to bring along) on the 1 hour approval at 1U Card Centre, you may contact them at number below. Contact Info contributed by Human Nature.
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. Maybank2U for Maybank Credit Cards - You Don't Need To Have A Maybank Current or Savings Account.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.

Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread)
Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.

Section G: Other Related Links
1. Click here to see brief comparison between Maybankard 2 American Express vs. HSBC Visa Signature.
2. Effective cash back rate with credit cards
3. Those who are interested in converting your Treats Points to Enrich Mile. Gen-X did a comparison between Maybankard 2 Amex and Maybakard Visa Infinite.Click here to read Gen-X article New Toshiba i5 4GB ATI Radeon for RM999 with Maybankard On The Spot Redemption and Enrich Miles Redemption
4. Online Hotel Booking with Credit Cards by Gen-X

[WTS] Assorted DDR3L DDR3 4GB Server RAM Memory

alexwsk — Thu, 23 Feb 2017 18:54:53 +0800

Item(s): Assorted DDR3L DDR3 4GB Server RAM Memory and Assorted Laptop DDR3 2GB DDR2 1GB SODIMM

Package includes: RAM or SODIMM only

Price: Refer individual listings below, buy more than one stick entitled for discount

Item(s) conditions: USED

Dealing method: COD at USJ area or RM8 to Penisular (Free shipping via Shopee)

Location of seller: USJ

Contact method/details: PM Only

Warranty: One month personal warranty

Photos and price:
Type 1 (1 stick only): RM98 each stick, buy 2 for more discount
MT18KDF51272PZ-1G4M1FE ECC Server Memory
Micron 4GB 1Rx4 DDR3L-1333MHz PC3L-10600 ECC Registered CL9 240-Pin DIMM 1.35V Low Voltage Very Low Profile (VLP) Single Rank Memory Module
IBM FRU - 46C0575, P/N - 43X5313

Type 2 (1 stick only): RM90 each stick, refer to the bottom stick in the photo
M393B5170FH0-CH9Q5 ECC Server Memory
Samsung 4GB 2Rx4 DDR3 1333MHz PC3-10600 240-Pin ECC Registered 1.5V
HP PN: 500203-061

» Click to show Spoiler - click again to hide... «

SOLD, please remove

alexwsk — Tue, 21 Feb 2017 21:33:40 +0800

Item(s): Fujifilm Instax Share SP-2 Gold Brand New

Package includes:
- 1 x Fujifilm Instax Share SP-2 Printer (Gold)
- 1 x Instruction Manual
- 1 x NP45S Battery
- 1 x USB Cable

Price: RM688 Only

Item(s) conditions: BRAND NEW

Dealing method: COD at USJ area or RM8 to Penisular

Location of seller: USJ

Contact method/details: PM Only

Item Website: http://www.fujifilm.com/products/instant_p...tax_share_sp_2/

Photos:

[YOUTUBE]_tgwWwl1kio[/YOUTUBE]

THREAD CLOSED

alexwsk — Tue, 03 Jan 2017 19:38:20 +0800

Double storey terrace house, end lot endlot for rent / to let

* Size: 20x60 ft
* Built-up: 2040 sq ft (Back fully extended)
* 3 rooms upstairs with 2 toilets, 1 room and toilet downstairs
* Dry and wet kitchen
* Peaceful environment
* Walking distance to Wawasan LRT Station (5-10 minutes walk only)
* Security guard
* UNIFI ready
* Location: Click here for map
* GPS Coordinates: 3°02'14.9"N 101°35'09.9"E or 3.037463, 101.586097

Rental @ RM1,400 per month only NON Negotiable - Best rate owner listing
2 months rental deposit: RM 3,000
1st month rental advance: RM 1,500
Utility deposit: RM 1,500
Total : RM 6,000
Tenancy period: Minimum 1 year

Interested kindly PM me to arrange viewing. Agent please do not contact me.

[WTR] Kota Kemuning 1st Floor Shop Lot 20x30 ft

alexwsk — Tue, 03 Jan 2017 19:30:27 +0800

1st floor shop lot @ Jalan Anggerik Vanilla 31/97 for rent
* Size: 20x30 ft or 588 sq ft
* Peaceful environment
* Security guard at night
* Free parking (not under MBSA)
* UNIFI ready
* Location: Click here for map
* GPS Coordinates: 3°00'23.2"N 101°31'57.4"E or 3.006444, 101.532611

Rental @ RM1000 per month only - Best rate owner listing (rent from my agent will be RM1100)
2 months rental deposit: RM 1,800
1st month rental advance: RM900
Utility deposit: RM 900
Total : RM 3,600
Tenancy period: Minimum 1 year

Interested kindly PM me to arrange viewing.

SOLD, please remove

alexwsk — Fri, 30 Dec 2016 19:12:54 +0800

Item(s): Fitbit Charge HR Fitness Band New Unopened

Package includes: Whole original retail box brand new unopened

Price: RM428 Only

Item(s) conditions: BRAND NEW

Dealing method: COD at USJ area or RM8 to Penisular

Location of seller: USJ

Contact method/details: PM Only

Reason for sale: Won from competition

Item Website: https://www.fitbit.com/my/chargehr

Photos:

[WTS] Olive Enzyme Malaysia Olive Enzymes

alexwsk — Wed, 23 Nov 2016 07:36:07 +0800

Item(s): Olive Enzyme - 1 box

Package includes: Each box contains 10 individually packed olive

Price: RM49

Precautions: NOT recommended for pregnant women, children below 12 years old and people with gastroenteritis, peptic ulcer.

Item(s) conditions: Original and brand new

Warranty: No warranty

Dealing method: FREE COD at USJ area; RM8 (Poslaju Penisular); RM12 (Poslaju Sabah/Sarawak)
For FREE postage to Penisular and minimal to Sabah/Sarawak, kindly buy from our Shopee store HERE

Location of seller: USJ

Contact method/details: PM Only

Reason for sale: For business, whole seller and distributor welcome to enquire about Olive Enzymes Malaysia

FAQ: Kindly visit product website at http://itvolution.wixsite.com/oliveenzyme/info

Photos:

* Carefully selected Taiwanese olive, deseeded and carefully packaged to ensure freshness and great taste.

Benefits of Olive Enzyme:
* Helps to clear old stool from your body.
* Detoxify your body and promotes metabolism.
* Enhances nutrition absorption, boost your body's self healing ability and immunity.
* Eliminates bad bacteria, promotes growth of good bacteria in order to cultivate a healthy intestinal system.
* Contains natural enzyme, helps to relieve, resolve and prevent constipation by improving your overall digestive system.
* Rich in daily dietary fiber.

Serving suggestion:
For those WITH constipation problem, take 2 olives in the morning daily together with 350ml of warm water. Take 2 olives continuously for 5 days in a row, then rest for 5 days before starting again.

For those WITHOUT constipation problem, take 1 olive in the morning daily together with 350ml of warm water. Take continuously for 6 days in a row, then rest for 2-3 days before starting again.

Each box contains 10 individually packed olive, all sealed in a larger transparent vacuumed bag. To complete a full cycle of treatment, recommended to consume 3 boxes of Olive Enzymes.

Precautions:
After consuming Olive Enzymes for SIX days in a row, kindly stop for 2-3 days before starting again. Not recommended for pregnant women, children below 12 years old and people with gastroenteritis, peptic ulcer.

Preserved Olive Enzymes Malaysia or Olive Enzyme Malaysia

Preserved Olive Enzymes Malaysia or Olive Enzyme Malaysia

Maybankard 2 Gold & Platinum Cards V17

alexwsk — Mon, 10 Oct 2016 19:33:05 +0800

Section A: OFFICIAL ANNOUNCEMENT:
1. 5% weekend cash back for M2 Amex during SAT/SUN, financial charge revised from 8.88% to 15%

QUOTE(cybpsych @ Mar 15 2017, 09:06 AM)

WEEKEND 5% CASHBACK TERMS & CONDITIONS
http://www.maybank2u.com.my/WebBank/M2C-wkndCB_tnc.pdf

WEEKEND 5% CASHBACK FAQ
http://www.maybank2u.com.my/WebBank/M2C-newbenefits_faq.pdf

TREATSPOINTS TERMS & CONDITIONS
http://www.maybank2u.com.my/WebBank/M2C-TP_tnc.pdf

2. M2C RM9Million - cash back in with October 16 last
3. Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related 0 points, others affected categories are EPP, utilities, petrol, education, insurance (1x only)

» Click to show Spoiler - click again to hide... «

4. 15/05/2015 Retail Protection for platinum card will no longer be available after 15 May 2015
5. 01/05/2015 - TP inflation starting 1 May 2015, 400TP=RM1. Also Enrich redemption inflation Click here
6.28/02/2015 Golf Privilege - Complimentary golf at selected golf courses around Malaysia. (Please note that the Golf privileges will no longer be applicable for platinum cards after 28/2/2015)
7. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:

Latest TreatPoints / TP expiry FAQ here

*Archived Developments

» Click to show Spoiler - click again to hide... «

Section D: Previous Threads
Click here to read Maybankard 2 Cards V1 Thread.
Click here to read Maybankard 2 Cards V2 Thread.
Click here to read Maybankard 2 Cards V3 Thread.
Click here to read Maybankard 2 Cards V4 Thread.
Click here to read Maybankard 2 Cards V5 Thread.
Click here to read Maybankard 2 Cards V6 Thread.
Click here to read Maybankard 2 Cards V7 Thread.
Click here to read Maybankard 2 Cards V8 Thread.
Click here to read Maybankard 2 Cards V9 Thread.
Click here to read Maybankard 2 Cards V10 Thread.
Click here to read Maybankard 2 Cards V11 Thread.
Click here to read Maybankard 2 Cards V12 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V14 Thread.
Click here to read Maybankard 2 Cards V15 Thread.
Click here to read Maybankard 2 Cards V16 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.

Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 15% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government, insurance and education entitled to 2x) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.
5. 5% Weekend cash back - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back.
6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.

But the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U aka One Utama, The Gardens or KLCC (reported no more) where your application will be process within few hours (depends on situation). Click here to read Gen-X article on it. Please note, it is Maybankard Centre and NOT Maybank Branch.

If you need further clarifications (e.g. what documents to bring along) on the 1 hour approval at 1U Card Centre, you may contact them at number below. Contact Info contributed by Human Nature.
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. Maybank2U for Maybank Credit Cards - You Don't Need To Have A Maybank Current or Savings Account.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.

Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread)
Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.

Section G: Other Related Links
1. Click here to see brief comparison between Maybankard 2 American Express vs. HSBC Visa Signature.
2. Effective cash back rate with credit cards
3. Those who are interested in converting your Treats Points to Enrich Mile. Gen-X did a comparison between Maybankard 2 Amex and Maybakard Visa Infinite.Click here to read Gen-X article New Toshiba i5 4GB ATI Radeon for RM999 with Maybankard On The Spot Redemption and Enrich Miles Redemption
4. Online Hotel Booking with Credit Cards by Gen-X

SOLD, please remove

alexwsk — Sun, 22 May 2016 17:42:47 +0800

Item(s): Kenwood Food Processor FPP225

Package includes: Everything in an original retail box

Price: RM250 Only, original price RM329, can find online at RM299 cheapest

Item(s) conditions: Brand New

Warranty: Personal 7 days, register with Kenwood to get One year warranty

Dealing method: COD at USJ area

Location of seller: USJ

Contact method/details: PM Only

Reason for sale: Won from competition, don't need it

Item Website: http://www.kenwoodworld.com/en-int/product...-food-processor

Specifications:
Reversible thick slice / coarse grate (4mm) disc: Yes
Whisk tool: Yes
Size (cm): 32H x 19W x 19D
Wattage: 750W
Weight: 2.46kg
Body material: Plastic
Bowl material: Plastic
Colour: Silver
Dishwasher safe parts: Yes
Non slip feet: Yes
Spatula: Yes
Bowl size: 2.1 litres
Capacity - blender: 1.2 litres
Working bowl dry capacity : 1.2kg
Working bowl liquid capacity: 1.2 litres

Photos:

Maybankard 2 Gold & Platinum Cards V16

alexwsk — Mon, 14 Mar 2016 14:53:37 +0800

Section A: OFFICIAL ANNOUNCEMENT:
0. Treats Fair coming this 21-24 July 2016 in MVEC
1. Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related 0 points, others affected categories are EPP, utilities, petrol, education, insurance (1x only)
2. No more 5% weekend rebate starting from 1 Aug 2015
Note: Starting from 1 August 2015, the 5% Weekend Cashback Card Benefit will no longer applicable for Maybank2 American Express. The 5% Weekend Cashback will be replace with 5% Weekend Dining Cashback. Click here for the 5% Weekend Dining Cashback Terms and Conditions.
http://www.maybank2u.com.my/WebBank/M2CdineCashBack-TnC.pdf

» Click to show Spoiler - click again to hide... «

Section B: Latest Campaign/Promo
1) Date: 01/07/2016 to 31/12/2016, 5% Weekend Cashback is BACK (non guaranteed)! TNC please click here.

Section C: Latest Developments
1. 15/04/2016 - Treats Points revised down across the board, refer Official Announcement above
2. 01/08/2015 - Only 5% cash back on weekend dining
3. 21/07/2015 - Revised fees & charges for credit and charge cards effective 15 August 2015.
Source: Maybank

» Click to show Spoiler - click again to hide... «

4. 11-14/06/2015 - Treatsfair (Last chance for 250 TP = RM1 redemption) - Click Here
5. 01/06/2015 - Winners for I love 100% cashback campaign - Click Here
6. 15/05/2015 Retail Protection for platinum card will no longer be available after 15 May 2015
7. 01/05/2015 - TP inflation starting 1 May 2015, 400TP=RM1. Also Enrich redemption inflation Click here
8. 01/04/2015 - GST of RM50/RM100 for some no longer apply to Maybankard 2 Cards
9.28/02/2015 Golf Privilege - Complimentary golf at selected golf courses around Malaysia. (Please note that the Golf privileges will no longer be applicable for platinum cards after 28/2/2015)
10. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:

http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal

*Archived Developments

» Click to show Spoiler - click again to hide... «

Section D: Previous Threads
Click here to read Maybankard 2 Cards V1 Thread.
Click here to read Maybankard 2 Cards V2 Thread.
Click here to read Maybankard 2 Cards V3 Thread.
Click here to read Maybankard 2 Cards V4 Thread.
Click here to read Maybankard 2 Cards V5 Thread.
Click here to read Maybankard 2 Cards V6 Thread.
Click here to read Maybankard 2 Cards V7 Thread.
Click here to read Maybankard 2 Cards V8 Thread.
Click here to read Maybankard 2 Cards V9 Thread.
Click here to read Maybankard 2 Cards V10 Thread.
Click here to read Maybankard 2 Cards V11 Thread.
Click here to read Maybankard 2 Cards V12 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V14 Thread.
Click here to read Maybankard 2 Cards V15 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.

Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government, insurance and education entitled to 2x) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.
5. 5% Weekend cash back for DINING ONLY - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back.
6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.

But the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U, The Gardens or KLCC where your application will be process within few hours (depends on situation). Click here to read Gen-X article on it. Please note, it is Maybankard Centre and NOT Maybank Branch.

If you need further clarifications (e.g. what documents to bring along) on the 1 hour approval at 1U Card Centre, you may contact them at number below. Contact Info contributed by Human Nature.
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. Maybank2U for Maybank Credit Cards - You Don't Need To Have A Maybank Current or Savings Account.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.

Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread)
Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.

Section G: Other Related Links
1. Click here to see brief comparison between Maybankard 2 American Express vs. HSBC Visa Signature.
2. Effective cash back rate with credit cards
3. Those who are interested in converting your Treats Points to Enrich Mile. Gen-X did a comparison between Maybankard 2 Amex and Maybakard Visa Infinite.Click here to read Gen-X article New Toshiba i5 4GB ATI Radeon for RM999 with Maybankard On The Spot Redemption and Enrich Miles Redemption
4. Online Hotel Booking with Credit Cards by Gen-X

SOLD, please remove

alexwsk — Fri, 26 Feb 2016 12:08:13 +0800

Item(s): PowerColor ATI Radeon X1950 PRO 256MB PCIE with Artic Cooling Accelero X2

Package includes: Graphic Card only (plus one DVI dongle), without box and CD. Best if you are looking to crossfire.

Price: RM99 Only

Item(s) conditions: USED

Warranty: Personal 7 days

Dealing method: COD at USJ area or FREE POS to Penisular

Location of seller: USJ

Contact method/details: PM Only

Reason for sale: Not needed anymore

Specs:
|Graphics Engine|RADEON X1950|
|Video Memory|256MB GDDR3|
|Engine Clock|600MHz|
|Memory Clock|700MHz x2|
|Memory Interface|256bit|
|DirectX® Support|9|
|Bus Standard|PCIE|
|Standard Display Connectors|DL DVI-I / DL DVI-I / TV-Out|

Item Website: http://www.powercolor.com/us/products_feat...0#Specification

Photos:

SOLD, please remove

alexwsk — Mon, 15 Feb 2016 15:27:17 +0800

Item(s): Car Mount Mobile Phone Holder - 3 types

Package includes: Car Mount x 1

Price: RM15 each, buy any 2 or above for more discount

Item(s) conditions: Brand new with box - Type 1, Used - Type 2 and 3

Warranty: 7 days personal warranty

Dealing method: FREE COD at USJ area or free postage

Location of seller: USJ

Contact method/details: PM Only

Photos:

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Type 2 - Only one unit - used

Type 3 - Long hand with clip, around 60 cm long - used

Credit Card v19, Post/Ask general questions here

alexwsk — Fri, 11 Dec 2015 21:33:25 +0800

LATEST UPDATE: PIN and PAY will come into effect on 1 July 2017

Proceed from v18: http://forum.lowyat.net/topic/2997826

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

A. Some latest shortened cc thread links to refer easily: contributed by victorywp & alexwsk
AEON v4 http://lowy.at/aeon4
AEON Big v1 http://lowy.at/aeonbig1
Alliance v1 http://lowy.at/abm1
AM Bank v2 http://lowy.at/amm2
AmEx v3 http://lowy.at/amex3
CIMB v6 http://lowy.at/cimb6
Citibank v4 http://lowy.at/citi4
HLB Fortune v1 http://lowy.at/hlbf1
HLB Wise v8 http://lowy.at/hlb8
HSBC v2 http://lowy.at/hsbc2
MBB2Cards v18 http://lowy.at/mbb18
MBB2Cards Premier v2 http://lowy.at/mbbp2
MBB Visa Signature v2 http://lowy.at/mbbvs2
MBB Islamic V3 http://lowy.at/mbbi3
OCBC v5 http://lowy.at/ocbc5
PBB v1 http://lowy.at/pbb
PBBWM v1 http://lowy.at/pbbwm1
RHB v1 http://lowy.at/rhb1
StanChart v4 http://lowy.at/scb4
UOB v8 http://lowy.at/uob8
others:
Balance Transfer v4 http://lowy.at/bt4
Debit Card v3 http://lowy.at/dc3
TnG v1 http://lowy.at/tngv1
Reload TnG v3 http://lowy.at/tng3
Loyalty cards v1 http://lowy.at/loyal1

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required

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4. Credit Card linked to Petrol
- OCBC Titanium MasterCard; all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum; all petrol stations = 5% cash back
- UOB; BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank; SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic; PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic; PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA; ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money; all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz; all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: http://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1; 13.5% p.a.
Tier 2; 16% p.a.
Tier 3; 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal + 5% advance cash withdrawal fees
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here
Sample calculator from AKPK

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM200k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - http://forum.lowyat.net/topic/1724607

8. International Transactions - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees

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11. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :

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MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :

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16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CCRIS report via email - http://creditbureau.bnm.gov.my/reportobtain.html
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx

17. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
Introduction to Credit cards 2016 by Gen-X
My Credit Cards - by Gen-X
Free financial tuition by Gen-X
The Best Top 10 Credit Card - Ultimate Showdown 2014 by Gen-X

20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - 3 years (effective from 1st August 2013)
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - Pending reward system update
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years
12) EON Bank - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) Maybank Visa Infinite - Min Income Requirement : RM 240k
6) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
7) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
8) RHB Visa Infinite - Strictly by Invitation Only
9) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
10) HONG LEONG Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium
4) Platinum Card = Alliance Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) World MasterCard = Maybank WMC (assuming AF is waiveable)
7) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/4161836

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) All EON Bank credit cards
7) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/3231432

25. Reload Touch n Go using credit cards - http://forum.lowyat.net/topic/3304889

26. Measures on Credit Cards by Bank Negara - http://forum.lowyat.net/topic/1796957

27. Beware of cross border charges by HLB, CIMB and SCB - http://forum.lowyat.net/topic/2519936
Sample case: Apple Store Malaysia by rickkywong using HLB credit card; wshoh using CIMB

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Confirmed no cross border charges: Ambank (by rickkywong)

SOLD, please remove

alexwsk — Sun, 06 Dec 2015 12:56:24 +0800

Item(s): Original Xiaomi Mi Band - Used

Package includes: Everything in original packaging - like new

Price: RM38

Item(s) conditions: Original, used

Warranty: Official Xiaomi Malaysia warranty until 30 Sept 2016

Dealing method: FREE COD at USJ area or FREE POSLAJU

Location of seller: USJ

Contact method/details: PM Only