citibank turned down my airasia cc application... im definitely qualified in terms of annual income criteria leh... jus dat im fresh in my job, could this be the reason?

Since you guys talked about HLB, I would like to join the fray too.

My frustration with HLB has developed over years. I had a car loan and cc, and currently have a home loan with HLB. Their cash deposit terminals are the lousiest in Malaysia. Most of the terminals are dilapidated and thus unable to detect notes efficiently. Just imagine that each customer has to spend 10 minutes to keep trying to deposit cash. Moreover, the terminals are always out of service during early morning and night time as well as weekends.

Their cheque deposit machines are another nightmare to me. They are still using the old-fashioned envelope and bank-in slip, while other banks have been using self-service cheque deposit machines for ages. In addition, their envelopes and bank-in slips are persistently out of stock!

Furthermore, a lot of HLB branches, including some branches in KL Golden Triangle, have yet to be equipped with cash deposit terminals and cheque deposit machines!!

I do not mean to sabotage HLB, but all the above are based on my actual experience with them. If it is not because of the 5-year lock-in period of my HLB home loan, I should have already terminated all my accounts with them.

u can get the citibank dividend card, it is has good rebates

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Added on November 5, 2009, 11:01 pmUOB already announce that they are not waiving the service charge inclusive of Premier customers, so all of u can start cutting their cards

This post has been edited by DarReNz: Nov 5 2009, 11:01 PM

He said he is not qualified for any credit card offered by banks in Singapore as the requirement is too high for foreigners.



Okay ! So UOB Bank will not waive the stupid fee, not even for their Privilege Banking customers. I expect all other banks will announce the very same thing soon


This post has been edited by MilesAndMore: Nov 5 2009, 11:26 PM

If you have a banking account (savings, current, etc) with Citibank, your card should be added automatically. If you only have credit cards with Citibank, you need to create a new Citibank Online account for each card. I have experienced this personally and also confirmed by CS.

Like you guys, it's time for me to decide which cards to cut and which to keep.
1) CIMB Gold Master (kept for retail promo) - cut
2) Citibank Gold Master - cut
3) Citibank Giant Master - cut
4) SCB Business Platinum Visa - cut
5) SCB JustOne Master - keep
6) Public Bank Visa (came with car loan) - cut
7) Public Bank Esso Visa - keep
8) HSBC Gold Visa (kept for retail promo) - cut
9) HSBC Gold Master (kept for retail promo) - cut
10) Alliance Platinum Visa - keep

I liked the HSBC cards. Got some gifts during approval, my first 2 birthdays with them, and some various free gifts during promotions. But their points ain't evergreen

So I guess it's RM50x3 per year for me to keep my cards... ouch...

This post has been edited by Dannyl: Nov 6 2009, 11:48 AM

You may need to work for at least 6 months and apply for cc subsequently. Banks need to evaluate your income stability.

what if i work for 3 yrs with stable income but still kena reject?

It could be due a few factors, such as your payment track record, credit exposure, incomplete of supporting documents for application, etc.

my document is complete, double check it myself. i dont even have any cc yet, so i doubt anything to do with my bad credit. so far only have car loan, but i pay it on time monthy.

surprised by the rejection, but i dont really care that much. with recent 'massive' cut on cc, i wonder why they reject me. i'm not in rush to use any cc, i do it for a fren favor...he get the referral reward

Any link to the announcement? Couldn't find it on their website.

Yeah, I'm going to cut too... After I finish redeem all my UOB Smart Rebates

Wow, good credit card portfolio. Let me compile mine:

1) Maybank Gold Master - Cut
2) Maybank Platinum Master - Keep
3) Citibank Gold Visa - Keep or cut?
4) Citibank Silver Master - Cut
5) Eon Platinum Master - Keep or cut?
6) Eon Gold Visa - Cut
7) UOB Platinum Preferred Visa - Cut
8) Ambank Platinum Master - Keep or cut?
9) Ambank Realrewards Master - Cut
10) Amex Gold charge card - ?
11) Amex Gold credit card - Keep
12) RHB - Cut all
13) HLB - Cut all
14) CIMB Gold Master - Cut

Confirm to maintain = 2
Unsure to cut = 4
Confirm to cut = 9

This post has been edited by jack2: Nov 6 2009, 03:58 PM

Crap. I lose my Plastic cherry (just got my DA MC/Visa today) and this happens...

Oh well... Que sera, sera...

This post has been edited by Eiraku: Nov 6 2009, 04:49 PM

Since you have decided to keep Amex Gold cc and MBB Plat MC, I would suggest you to keep a VISA from another bank. Likewise, just keep the 2 cards and cancel the rest.

That day I called SCB they told me they will waived my service tax. I hope it's true

Are you sure? The RM50 service tax will be collected by the government and so far none of the banks has the authority to waive it. I guess you must have been confused with annual fee waiver or welcome gift in form of cash rebate offered by SCB.

Nope I specifically asked about the Service tax. I said well even with the 100 preloaded Im thinking of just cancelling it now without even using it. The person on the other side told me that they will waived it. Hope he holds up to it

although the bank has no authority to waive the rm50 service tax DIRECTLY, i think the bank can compensate us by giving us rm50 annual rebate to offset the service tax INDIRECTLY

guess government cant stop bank from doing this. but its the decision is up to the bankers

Let's see whether banks will make an official announcement of the service tax. Until then, I will avoid speculations that banks will give the RM50 as a direct or indirect waiver. Coz anything can happen ... last time it was only UOB who did this several years back, now they are the first one (apparently based on the earlier post in this forum) who announced that they will not pay this tax on behalf of their customers .... their Premier Customers are not spared.

This post has been edited by hye: Nov 6 2009, 11:03 PM

Aiyo... already give you RM100 free somemore want to cancel because of the RM50 meh?

I have confirm to maintain Citibank Shell Gold and SCB Business Platinum for rebate purpose. Still got a SCB Plat Mastercard which Im unsure whether to cut or not. The RM100 from SCB is enough to cover both their cards service tax.

Cards that I have cancelled:-

1. HSBC Classic - Discount normally for normal price item. Usually shop during sales.
2. RHB Tesco & Travel Money - Useless
3. Alliance Gold - Not happy with billing.. want more details on rebate like Citi/SCB

Need to call EON to cancel my card application I think. Cant pity those card agents anymore. Infact I havent seen any of them lately in shopping malls.

Rebate purposes? How much rebate does Business Platinum gives? They also gave me one of those cards