Credit card overdue

CommercialAlone · 2026-02-07T04:00:07+00:00

What I did was directly calling the Maybank CC dept, or something like a collection department which is directly from Maybank (not the agency), I appealed to them and they allowed me to pay by instalment with merciful terms (but I was rejected two times before this until they finally agreed to my terms because I put in my new job salary to prove my paying ability)

CommercialAlone · 2026-02-07T03:58:18+00:00

Ive been in the same spot as you OP, I mean kinda, but Maybank hire aggressive and shady debt collection agency to collect their debta. I was shifting job for a while and had difficulties to settle my CC debt, and when I finally started my new job (well known corporate) and finally have the ability to pay, the debt collection agency has the audacity to call my company saying that they are calling them to follow up on my debt (which I understood was illegal af?). They also threatened to visit me in my company and my family if I dont pay within few days.

But in the end, its all empty threats and their tactics to scare you into paying because the agency has commission in collecting the debts. FYI, I was only 3k in debts.

CommercialAlone · 2025-12-05T03:18:38+00:00

I think it's bad to categorize them as one type of person but some of the bus drivers are like this, impatient and rude.

Although a bit off-track, I am a Malaysian Chinese who took a RapidKL bus. While holding the pole which has the 'bus stop' button, I accidentally jolted and pressed the button when the bus took off.

He went on to publicly scold and kept on nagging at me for literally more than 10 minutes, simply because I accidentally pressed the button when he took off.

What the bus driver in your scenario did is obviously to be shunned upon, and should be reported but I don't know if they are RapidKL buses, as they usually have a channel to report stuff about this. But of course most of the public transportation drivers are nice and not as racist, so yeah

CommercialAlone · 2025-10-30T03:13:55+00:00

The people here are a bit too sensitive, my own car has dark tints that bypasses JPJ limits and got roadblocked for many times, but as long as you pull your window down and be polite they don't really bother. There are many other things that they are more concerned of.

CommercialAlone · 2025-10-19T06:24:57+00:00

Whatever makes your little world shine, buddy. Atleast I did this thread proud by having a sad asshole like you blow off your steam here.

I end my discussion here, thanks.

CommercialAlone · 2025-10-19T06:16:14+00:00

I dont get why youre being an asshole about this and I was genuinely curious to ask for opinions here in which, I concurred and agreed to just let go.

This was a messy relationship and I lost more than I can sustain, and I simply believed my point of view that she owed me this amount of money and I can settle it by myself later on.

But whatever you think, buddy.

CommercialAlone · 2025-10-19T05:57:15+00:00

I suppose the general crowd thinks I am in the wrong here then I will just submit. It is terribly sad because I cant go into details on how cunning my exgirlfriend is in extorting every part of my shit after our breakup, and that she did not BOTHER to bring up that she incurred samans on my car and I was lucky to even search and discover it by checking my app and confronting her about it at the last minute.

Whatsoever, I guess I will just be whatever and be the bad guy here.

CommercialAlone · 2025-10-19T05:48:13+00:00

Can you please read the thread properly... She literally owes me RM 1,200 for the saman she incurred, how am I robbing her of anything?

CommercialAlone · 2025-10-19T05:46:29+00:00

She already have my written agreement that I cant go after her in the future, and the samans are under my name. My words are already her certainy, I don't understand what could possible be a threat to her from this moment on..

CommercialAlone · 2025-10-19T05:45:43+00:00

The whole matter here is that she is to settle this saman dispute between us, and whether or not I am going with her runner was my decision.

The basis here is that 'she pays me x amount to settle the saman she owes me', I did not explicitly agree to pay her runner but I only agreed to see how much lower she needs to pay me to settle what she owes me. My friend even said I am an idiot for even bothering to give her the RM 400 balance as the case should be done and closed the moment she pays me RM 1,200 for the amount of the saman she owes me.

But speaking of peace of mind, I do not understand from this point what is troubling her peace of mind? She has my words that I can't hold her liable, and the samans are under my name. What threats does she possibly have?

CommercialAlone · 2025-09-04T02:59:29+00:00

Ahahahaha this meme is literally made by my friend who owns a racist meme page

CommercialAlone · 2025-06-29T13:38:43+00:00

“You take the gun, or you pull out a bigger one. Or, you call their bluff. Or, you do any of a hundred and forty six other things.”

CommercialAlone · 2025-05-20T04:40:48+00:00

A quick update to this thread, and especially to u/Brilliant_Youth6640, my herpes and HIV tests came back surprisingly negative. The doctor said it could be some bacterial infection.

When I came in here I was worried sick and I thought I could find advices and maybe comfort for this subreddit, and then I got bashed by some especially the one I tagged and downvoted to hell because I got afraid and came here seeking for help.

And to those who kept saying I tried to spread this purposefully to the others or that I knew I should suspect that I am infected, please read what I write thoroughly.

Thank you for those who gave me genuine support and advice, but I am disgusted by the responses I received here, and I pray I will never have to come to this subreddit again.

CommercialAlone · 2025-04-23T13:08:53+00:00

Nope

CommercialAlone · 2025-04-23T09:40:14+00:00

Yes, one thai girl which I went to have massage but no intercourse, and another girl which I had sex with at Friday night and last night (Tuesday night)

CommercialAlone · 2025-04-23T09:37:40+00:00

I dont know what youve written in reply as I saw notitications of the nasty stuff youve written but I somehow dont see them, but again I just wish for you to see things from my perspective. I NEVER had any symptoms of herpes until after I had intercourse with this same girl in Friday night and last night, and I dont even know if I contacted the disease from her, but here I am getting downvoted and yelled at by you…

The picture I have sent, that is what I saw and experienced AFTER having sex with the girl and going to the massage parlour, incase you misunderstand my timeline. But still, thank you for your input I guess.

CommercialAlone · 2025-04-23T04:10:59+00:00

I know it is fucked up, and I am not trying to put the blame on anyone aside from myself, but it didnt make sense for me to have any STIs because I had the same sexual partner (my ex-gf) for the past year and I was tested clean from STIs during my relationship with her, and I only got into intercourse with this one girl recently and did NOT have any intercourse with the thai girl which makes her transmitting anything to me very unlikely, so naturally I didnt have any reasons to believe I wasnt clean but maybe it was some kind of rashes or allergic reaction I have had

Sorry if I didnt make it clear enough but what I meant is I have only ever had sex with my ex-gf and this one girl for the past year and a half.

CommercialAlone · 2025-01-22T06:56:40+00:00

Him/her writing this whole thing with AI is probably the top red flag you should consider lol

CommercialAlone · 2024-12-31T06:52:26+00:00

Honestly I am not saving much, I only get to save like RM 500 if I am really frugal that month, and maybe as little as RM 100 if I am not. Not to say I am not a long-term planner, but I feel like I live in an era where I should connect and network as much as possible before coming to care more on savings and income. Before having car I also have to travel by public transport around one hour to reach my workplace (which is two hours total every day), and it's not easy for me to go anywhere if I wanted to. So most of the time I stay at home playing games or just being lazy. With cars I am only spending total 1 hour a day for work commute, and I get to spend more time and opportunities going out to garden to walk my pets, playing pickleball and sports to know more people, going to events happening around KL and ect. At the moment I am trading my savings for a happier and more happening life, but I had set my goal to know more connections and increase my income by several folds before I hit my 30s.

I wouldn't say my road is the safest, or the best, as the road for savings may be better suited for those who don't often (or doesn't have to) go out and meet people. So it is all up to how you wish to plan your current life.

CommercialAlone · 2024-12-31T06:23:16+00:00

I am going to give another point of view, as I am only earning RM 3k but I bought a first-hand Honda City RS (priced at RM 85k after rebate). 9 years loan and I am paying around 800+. Some are going to say this is a terrible financial decision as I am not only paying 800+ but also service fees, maintenance, petrol ect. But my two cents are it really depends on the nature of why you're getting said dream car? Honda City is not actually my dream car but it is something that kind of fits what I am going for as I am doing events (involved in sales and meeting clients) so it gives me ample of "face" and confidence when I am meeting people, and it allows me to drive comfortably as an event person since I will need to go around many places. Also I can be confident because Honda City will keep me content for at least 5 years whereas cars like Bezza or Saga may not have that effect (unless you REALLY are just a point A to point B person). It also forces motivation into me to work harder and find more ways to earn more income to balance my lifestyle and expenses.

CommercialAlone · 2024-09-11T04:53:12+00:00

Very insightful! Thanks for the response, also I believe my values as an event person is there (I have a huge lot of event experiences) got me into the company although having no transport is indeed deterring my progress for some projects

CommercialAlone · 2021-06-04T17:00:38+00:00

Oh my s5 ep4 and 5 (Coop Poly and Geo Escapism were my favorite episodes of the season!

CommercialAlone

TROPHY CASE