Overall, Maybank 2 Platinum Card was ranking the best credit cards to have.

However, this product still can be improved in others aspect to stay

competitiveness. For a product to remain competitive in this bank industry, I
suggest that Maybank should add in some extra functional benefits to Maybank 2
Platinum card. For instance, there should be improvement for the cash back features
as well as to satisfy consumers increasing demand. When they spend on any purchase, they
can enjoy up to 8% cash back and once they pay off their credit card statement each month,
they will notice of that reward. Therefore, the pre-registration and minimum spending of this
Maybank 2 Platinum Card should be abolished.

In order to deal with the potential ethical problems as identified above, Maybank
should clearly state all the terms and conditions in the fine print of the credit card
agreement so that the potential customers can see it and will not being misled. Any
hidden information such as charges is strongly prohibited and can be considered as
an offence. In addition, Maybank should restrict on the age limit for this Maybank
2 Platinum Card application, such as adults aged 19 or more only available to
apply for this supplementary card. Bank staff should access to the customer first
before issues this card to ensure them especially young adults have a good lending
history and no trouble in any debt. The application rules should be tightened
such as the way for youngster to get loan is by having parents as the primary
borrowers. Besides that, Maybank should held a regular employee training
programme for the purpose to build a culture of ethics within the banks
organization. This can ensure all the bank staff is dealing with the customers fairly
and in an ethical way.