Im not self employed but simply receive director fee from a company.

In general, most of the established banks would nowadays review their customers' CLs periodically based on the payment record and spending pattern. Just have to be patient awaiting the adjustment. If you don't spend that much, why do you need such CL in the 1st place?

Most customers were given instant approvals. How about issuance of cards? I heard until now some applicants still haven't received their cards.

Under certain circumstances, you can call and request for a temporary increase in CL. This would normally happen when the cardholders travel abroad, need emergency fund for hospital bills, etc. In your case, you need extra CL to purchase luxury item like LCD TV, the bank may or may not consider your request. Anyway, it is no harm to have a try.

As mentioned by some forummers numerous times, it is not the max. Having World MC or VI could easily ensure a CL of RM100k and more!

@winner
got my card last friday thru poslaju, 2 weeks after the treats fair
but actually i can collect the card on the application day itself, but after 5 hrs of the application

just activated the AMEX thru the phone number printed on the back of the card , quite fast to get thru to CS, and her voice is very pleasant

Just call the CS regarding annual fee waiver..

HSBC - 12x swipes
Citibank - 3x swipes within 2 months..

I read before in here saying that HSBC need only 4x swipes. Kinda confuse now.. Maybe its their new policy?

This post has been edited by krazee350: Aug 12 2009, 12:28 PM

I do agree that voice of CS officers plays a major role in neutralising customers' mood. I always like to hear sexy lady voice.

Going back to SCB Just1 cc topic, my latest statement doesn't show the 3x choice points for overseas spending, even though my transactions in S'pore, Indonesia and Middle East are recorded in the statement. I inquired SCB CS about this, but the staff seemed not familiar with the promotion. He called me back, informing that the additional points will only be reflected in my next month statement.

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Added on August 12, 2009, 12:46 pmIt depends on product. My Citi Plat requires 24 swipes of any amount per annum for auto waiver of AF.

This post has been edited by winner: Aug 12 2009, 12:46 PM

@winner
Both card is for Plat card actually. hmm.. I think i better reconfirm again with them on the AF before applying. Thx.

For HSBC, you need to swipe 12x times in a year to get your annual fee waived (all the same for HSBC Classic, Gold and Platinum credit card).

@winner
that's a bit strange
so next month you shud chk for it again

1st year is FOC. Unless Citi has changed its policy.

If the points aren't shown in my next month statement, I'll write to SCB again. FYI, I've just lodged a complaint to SCB yesterday regarding the super high conversion rate they charged on my overseas transactions.

I'm with you on this one. I was shocked too when it was revealed that theirs was the highest.
In fact it should be BNM makes it mandatory for the banks to display how much are these "extra" charges are for transparency purposes.

To those interested, all range of HSBC credit card is annual fee free too for the first year.


I guess this is the reason why Standard Chartered can afford to give its credit card holders 3x - 5x points for overseas transaction. Keep us updated

My JustOne just arrived today. No more RM50 bonus... but the SCB fellow applied for the Business Platinum for me and my wife also, and I was told that once we activate the card by charging to it, we will have RM100 credited to the card. RM100 x2 = RM200. Yay!

The Business Platinum itself isn't very special... 0.5% rebate (excluding petrol), access to KLIA premium lounge, travel insurance, purchase protection, 3x points for overseas purchase... I'd probably stick to ABMB Platinum since it's about the same (or better in most areas) in comparison.

Also, today I asked for an annual fee waiver for Citibank AirAsia card which will be due in October... was told that my usage is too low, if I can spend another RM900 with the card by October, I'll get the waiver. Cancelled it outright.

A question - buying things / booking hotels from overseas websites, considered overseas transactions or not? If yes, then SCB JustOne effective rebate is 1% only after considering the 1% administrative charges.

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Added on August 12, 2009, 6:07 pmMy Citibank Giant card CL is RM3k

This post has been edited by Dannyl: Aug 12 2009, 06:14 PM

ABMB CS is not exactly in my fav list.

To your question on overseas transactions, so long the merchant is not located in Malaysia it will be considered an overseas transaction. Example : If you buy a Malaysian Airlines one way ticket Bangkok->KL don't be surprised that the transaction is actually charged in Thailand and considered as an overseas transaction. (obviously coz it's paid in THB)

another example is Air Asia.

when im purchase SG > KL, it's being charge SGD.

just got my card today. applied for visa gold but they give me visa classic and 2k credit line only. was dumbfounded.

btw any idea hw much does rhb card charge for international transaction?

See the first post for the info and read your T&C that comes with your card. You should search under "International Transaction" and you'll get your answer!

cuz its not in first post that's why i ask. but anyway will read my t&c

May be you have too many credit cards already ?

Guys, I'm hosting some guests from China. Is it normal that a CC without chip (only magnetic strip) being declined by terminal easily?
So far I have observed that majority of MBF terminal failed to swipe this type of CC. I thought CC terminal should be equipped with dual swipe mode (chip based and strip based).

Anybody experienced this before?

most likely their cards are "UnionPay" instead of visa or master