To have a good record, you must always pay in FULL so that the outstanding balance won't be snowballed.

1. Download the application form from internet, or call the bank to fax you the form
2. Send your application complete with necessary documents via fax, or call the bank to collect the documents from your office.

You don't even need to step out of your office.

You can call them and they will come to you at your office. Not sure about other banks, but Standard Chartered will.

whats the difference of AMEX and common classic credit card?

Different company, my friend.

AMEX is by American Express.
Visa is by Visa
Mastercard is by Mastercard.

AMEX is not widely acceptable in Malaysia compared to Visa and Mastercard.

sorry for loads of questions. heres another one, i've reviewed both citibank cashback cc and clear cc, it seems that the former one has a better cashback rewards if im using cc for groceries purchases every month. but can cashback cc use widely like common cc? is there any function limited to cashback cc? just in case i have emergency use of cash in the future i need to make sure this.
and can cashback cc and classic cc of the same bank link together?

I went to MBB card centre at 1U on Thursday to cancel my old Sonycard and Mastercard classic (AF due end of the year). The lady said that my Sonycard will be replaced by the new free for life version, so I might as well keep it, ans since I've not used the Mastercard for more than 6 months, it will not be renewed end of the year.

I then applied for the Amex Gold CC and exchange some points for Petronas vouchers. The centre called me yesterday (about 25 hours later) saying that my application has been approved and card is ready for collection. I asked and she said it was shared limit, but I didn't expect that they'll also increase my CL to RM6K, since I asked twice for RM6K and was rejected last year.

Colour me impressed with MBB service for the first time ever!

---

Added on August 22, 2009, 12:38 pmIt makes no difference to the merchant side whatever normal or cashback card that you have as long as it goes through and there's no chargeback, haha. All the differences are with you and the bank and you just need to decide which card to use to get the best benefits you want.

This post has been edited by charymsylyn: Aug 22 2009, 12:38 PM

i wish to inquire on something

suppose ive had a cc more than a year,may i apply for another cc without giving them my payslip/epf statement ?

what will they be looking at for this sort of applications?cheers

It is also not widely accepted in USA, despite what its name might suggest


It's totally fine. We've been too quiet here of late



It is all the same. Just that most generic credit cards are point based. Some will give you cash back. Just different marketing strategy.


What do you mean by link together ? Do you mean combined credit line ?


Wow, impressive ! May be next time should i decide to apply for AMEX Gold credit card i should go to 1U too



Yes. Just a photocopy of your current credit card and MyKad will do


Should be alright as long as your CCRIS record is clear.

This post has been edited by MilesAndMore: Aug 22 2009, 04:19 PM

and also ur credit line

Guys,

Credit Card to pump petrol, which one has the most rebate? hmm...

anyone got a problem with their scb justone when using atm ? I tried to change pin and it was having an "incorrect pin" error and then I got a new card from them and same thing now they are sending me a third ..... guess it's never ending unless I do not want to use it as an atm

Consider these cards

CIMB Direct Access - 2% Petrol Rebate (all Petrol Station)
AMEX Gold CC - 5x Membership Rewards point (all Petrol Station)
Citibank Shell Credit Card VISA - up to 5% Rebate

There are some more cards... but these cards above is evergreen promotion, which means until further notice

Not to forget Maybank Petronas VISA which gives 5x Treatpoints and CIMB Petronas Mastercard that gives 2% rebate.

The AMEX Gold credit card 5x Membership Rewards Point is equivalent to 2.5% rebate (roughly, could be higher depends on which shopping voucher you want to redeem).

how bout the maybank petronas VISA, 5x Treatpoints. It is equivalent to how many % rebate? Thanks.

Around 2.25% - 2.75%. But bear in mind that you will only get 5x TP when you pump at Petronas station and shop at Mesra shops. All other purchases will earn you only 1x TP = RM1.

If you pump at Shell, i'd suggest you to get AMEX Gold credit card instead. It gives you 5x Membership Rewards (MR) points for every Ringgit. You'll also get 5x MR points when you shop at most major supermarkets (Carrefour, Tesco, Giant etc.) and bookstores (Kinokuniya, MPH, Times, Borders). As for all other purchases you will get 2x MR for every RM1. It is by far the best credit card from Maybank

This post has been edited by MilesAndMore: Aug 23 2009, 08:50 AM

oh thanks for ur suggestion, btw how bout if i pump petronas or mobile petrol? any nice card to intro? even a all 'rounder'?

I see tat some card use to collect point, some card giving cash rebate. Personally I would prefer cash rebate, how bout u guys?

AMEX card is really a good card, cause mostly our daily expenses go to supermarkets.

Carrer wise, bookstores! wow.

I cut mine in half many years ago when i found a huge USA company does not accept it. That company is Dell computer.

---

Added on August 23, 2009, 10:01 amFrom now till end-Dec 2009, Direct Access gives you 5% on 1st day of every month for petrol from all station.


This post has been edited by Optiplex330: Aug 23 2009, 10:01 AM

Dell Malaysia does accept Amex lah, which Dell country you talking about? I did buy my notebook with Dell using AMEX about 2 years ago.

http://www1.ap.dell.com/content/topics/top...hs&~section=020

This post has been edited by Gen-X: Aug 23 2009, 11:04 AM

Not when I first bought my Dell in 1999. That was the time I cut mine in half.

getting a cc from mbb when u already had an existing one is easy ... coz they onli issue another card with shared limit among other cards .... my fren get his amex gold cc without applying ... he say mbb called him to go to branch n take the card n its offer to him since he got another mbb cc

in my case , i cancelled my mbb petronas last year coz tht time i apply so tht the salesperson got his quota ( n he's been talking in my office so long i'd give up rejecting )

now i apply the amex gold cc using my hsbc premier cc ... i stil wonder y they take so long to response???? even wan reject oso shud gif a notice ma ... if they r checking records ... as a hsbc premier account holder , how bad would his credit be???