@Fala,
And Y would U need RM100k CL?!

@normaldude,
I use a Platinum card and use it only because I'm a plastic-user, nothing else

@MilesAndMore,
Ah.. well that's just chasing after extra/additional cards. Not my cuppa tea

@Gen-X,
So you're saying if I had RM1m in FDs with a bank, I could request for RM1m CL?! In that case, RM40k start off CL on HSBC Premier Card is nothing considering U need about RM250-300k to become a PB with HSBC.

@Optiplex330,
U can pay up more than what is required that way U have "extra" credit for the month. The other way to go around it is to get the bank to give you temporary increase in CL.

Last November/December I needed to purchase some stuff which exceeded my total CL on my Amex Credit Card. I contacted Amex and asked for a temporary increase in CL of 20k. They did however ask me for which period I wanted the increase and where I was going to spend the $. I had the details hence it was granted immediately on the spot with just 1 call made to them.

@Gen-X,
Er.. not U ah?! Well someone mentioned it; thought it was U [MUaHAHahAHha] OopS.. sorry .. you're right it's Monday morning + I didn't get much sleep over the weekend; bz with friends' wedding.

SoOoo.. whoever that mentioned 1:1 CL can please comment a bit ah?

@MilesAndMore & GHz,
Thanks for the clarification. So this is applicable only with PBB.

@MilesAndMore,
Act, I think most banks do that but am surprised to hear about the 1:1 CL.

@li_ping,
Different banks have different preferences but a forummer here once did mention he got an upgrade and his reported income was >RM60k.

@Michael_G,
It is possible U didn't give them sufficient documentations?

@vin_ann,
Act, I believe co-brand cards have a "lower" requirement. Take your OCBC Robinson Platinum CC as an example, as well as the UOB ONE Platinum too but if U really wanna show off, those Platinums are uhm.... well, not the kind U wanna show off with

This post has been edited by tinkerbel: Jul 20 2009, 05:00 PM

@vin_ann,
iYa.. I'm not referring to U mah

@vin_ann,
Er.. I think U need to check with other forummers, I no longer keep track of what's happening out there in the CC world In fact, I get all my information from U people here

@vin_ann,
Office pays for my petrol so I don't care ! muAHhaHAhahAHahHAha I'm happy with my 2x points from Amex though

@MilesAndMore,
Er.. it's small matter and it doesn't mean that as a PB with those banks, U have minimum RM300k FD in the bank; it could be RM300k in an Investment Portfolio or something

Also, most of these people probably don't need so much CL - and if they need extra they could always put in a request and I'm sure the bank will look into it

This post has been edited by tinkerbel: Jul 20 2009, 05:52 PM

@cute_boboi,
Yes in fact for that reason alone I should apply for the card; but I'll wait till at the TreatsFair lah !

@vin_ann,
Ah well.... just try to see what information U can get but I don't believe in applying for so many CCs just to get short term gains

@vin_ann,
Er.. the Amex Gold that gives 5X points on Petrol is a CC so this is the right thread.

@David83,
Haf U done manual calculation to see which CC gives the best petrol rebate?

@brutus,
No I never bother about payment date because my #1 rule is to ensure I have sufficient $ to pay for the item I'm buying; hence the cash is always at hand and so when the bill comes, I'll have the $ to pay for it.

@kilazilla,
There's no best card out there; it really depends on what U want. My sister applied for the SCB Character cards because she liked having those cartoon characters on her card. Some others are Platinum collectors hence collects all available Platinum CCs

@Fala,
It should be usable but forummers in the past did meantion U will need to make payment at the counter instead of at the pump for Amex Cards.

Hi..

For those who applied for the SCB JustOne CC, am wondering, did U get an SMS to tell U your CC application's approved?!

@GHz,
I suspect it's SCB's SOP for CC applications. I received an SMS too; but I also read about forummers complaining about not hearing from SCB.

@bingozero,
Er.. I don't think the card will be able to know Ur buying ciggies & liquor so should be no problems