To see if what cannavaro said is true


Hey ! Didn't think of that. Will give the numbers to my dad and ask him to buy Toto6D



No reply after 2 months ? So you are just assuming that your application's been turned down ? Since AMEX is now under Maybank and we all know our 70+ years old grandma can work faster than any Maybank staff, do not be surprised if they are just about to process your application. Another likely reason that why you haven't heard from them is probably they lost your application form.

You should get a call or letter from AMEX/Maybank should your application has been rejected.



The best card from Standard Chartered is the Titanium Mastercard (JustOne) but unfortunately several fellow users said they have temporary stopped accepting new application for the card.


Not really. Most credit cards rewards points will expire. I believe only Citibank, Maybank credit cards and AMEX credit cards/charge cards rewards points are evergreen. You are losing out on points should you use too many cards.

Maybank and CIMB Bank credit cards have the most discounts year-round. CIMB Bank credit cards are the best actually. CIMB Bank gives me 5% - 20% discounts when shopping at ISETAN, Guardian, MPH and even KFC (certain days). They will still give you points on top of the discount which is great.

Regarding the redemption shipping fee we need to foot ourselves when redeeming stuff using reward points accumulated through CIMB Bank credit card. I recently redeemed RM500 Guardian vouchers from them. It's been about 2 weeks now since i got the vouchers and they did not charge the RM9 shipping fee to my credit card account yet.

With MBB at least, you can only change the phone number the TAC is sent to at the ATM. TAC is needed for all money transfers and bill payments except to own accounts and favourite accounts. If the person already has your internet banking password, ATM card and PIN number, you are probably in more immediate danger with regards to your life than the money you have in the bank.

The only reason why you hear more bad news is because many people don't seem to mind logging in to internet banking either at public computers (cybercafe, at work) or the security of their own computers is already compromised (password stealing malware). It's always easier to hack the user than hack the bank system, not to say that our local bank system is really that safe in the first place.

The problem is that those @#$% do not need to change the mobile phone number registered with the bank. Somehow they have a way to divert the sms to their mobile phone/computer etc.

FYI, when i said the system can be easily hacked earlier. I was talking about our mobile phone, which we use to get the PAC/TAC number. Which is why i think generally HSBC online banking is safer than most online banking system as they do not send the PAC/TAC to our mobile phone. Instead they have this security device that will generate a unique password each time we login.

And by the way, Maybank is not the only bank a TAC/PAC registered mobile phone number can only be changed at the ATM/branch. It is the same with many other banks such as Public Bank, CIMB Bank and Standard Chartered.


Huh ? How so ? Our home address can be easily obtained. I believe when someone take the risk and goes through so many problems to steals your online banking password or ATM pin number, they are just interested with the money inside your bank account. Simply too many people have been victimised by these @#$%.

This post has been edited by MilesAndMore: Aug 16 2009, 11:52 AM

it's my first card.

I wanna apply another credit card but I think I want to apply from HSBC and CitiBank,will their chance to approve me will be very low ?

How's the form of rebate be given out? Directly deduct from your bill?

i going to apply for my 2nd credit card, recently holding CIMB normal card.

Which bank you all suggest? what kind of benefit can i enjoy with the credit card(Not Balance Transfer)?

@TsYap,
Ask urself what it is that U want this new CC to do for U. If U can't tell us what it is that U want, we won't be able to recommend or suggest a CC for u cause there are many different CCs out there catered for the different needs.

Agreed ... you have to be more specific. You are looking for cash rebates ? Promos ? Best CS ? etc ?

OT ... hiya tinkerbel ... long time no see ya around.

I have 12 credit cards which 7 of it had been cancelled..

Reason: To try out their services and privileges. Plus, I am a card collector. Maybe it is not a good thing to do but I need to finalized it to the best four.

This post has been edited by krazee350: Aug 16 2009, 12:59 PM

yes it credited to cc account. so this month bill will be less rm50.

so which card are ur best four?

So far,

Direct Access Platinum - a lot of rebates and discounts.
Standard Chartered Visa Infinite - have PriorityPass for unlimited access to worldwide airport lounges.
Alliance Matercard Platinum - low overseas transaction/exchange rate and cash rebates for any transaction. Plus they have great CS.

Still looking though...

From wat i know, its hard to get HSBC and CitiBank CC.

The fastest way i had been told need a yr of local CC card holder wif clear record, thn straight u can apply for HSBC and CitiBank CC after tat...

If my info isnt correct, pls correct me. Thanks.

Cause am not really sure bout it also.

Always worth a try mate !

Hehe.... tomorrow I go HSBC tower and try .. I think the salesman there will be happy to serve me

Okie

if they are desperate for more customers.. the chance is very high

1) It looks like SCB is throwing $$$! Yesterday, an SCB cc agent in a shopping mall tried to persuade me applying for SCB cards. He said SCB will give RM50 or RM100 for every newly approved card.

2) Reward points from Alliance will also never expire.

3) CIMB will definitely charge courier fee for shipment of gift redemption. It will be charged prior to the statement date.

For me, I feel the best things about SCB VI are the wide travel insurance coverage and access to airport lounges worldwide. Other than these, it is just so so. Until now, my VI still remains 0 transaction, and I may consider cancelling it next year if SCB would charge me AF.

Alliance Plat is good - up to 1.375% cash rebate plus evergreen points (1x point in M'sia and 2x points in overseas) and lowest forex rate. However, the CS staff are not so well trained and sometimes they have no authority/knowlege to give impromptu response.

No such thing. As long as you are qualified and no bad record, I don't think Citi and HSBC will reject you.

Guys, can you please recommend me a CC which has either 1 or both of below requirements? Currently I'm only eligible for up to Gold Card

i) Cash Rebates / Cashback

OR / AND

ii) Points that don't expire

Thanks!

Assuming cash rebate is your priority, I believe someone once mentioned that Alliance Younique card has among the best cash back.

But if you're looking for points that don't expire, Citibank is a decent choice.