are 3k limit the lowest?

I thought minimum requirement is degree holder for having a DA card, diplome holder eligible to apply DA cc?

oh 1k is the lowest. ah, my application got rejected again. not going to try again. waste my time.

so sure one haa ??

may i know the minimum tenure & amount for their fixed deposit ?

Is that means if i put 100k FD, i will be getting a 100k credit line card? Who can confirm this? Is there any limit for the credit limit?

Right but lets say in this situation whereby :

That person never applied credit card before but have a savings of 100k

That person is below the minimum requirements for a platinum card but yet he/she have 100k in savings

If the 1 to 1 ratio is confirmed at ANY amount, it would be a great news

Slightly different question.

Assuming you have a credit limit of RM10K. But for a certain purchase, you needed to spend RM30K on the card. So can you:

1. Paid into your credit card account RM20K and you can swipe RM30K on the card now?

I was told some overseas card do not allow that. What about Malaysia?

I've also heard that some banks have capped their limit for Platinum cards(applies to individual cards only as all their cards have seperate credit limits anyway). Recently one of my friends who worked inside Citibanks told me that the CL for citibank cards have been capped to 100k. However,I will be curious to know what's the cap for CL when it comes to Platinum, visa infinite etc?

but with the proper statement dates, one can fully maximize the credit facilities given. what is the point of having 2 seperate CC having same statement dates beside the obvious higher combined CL?

hi
i found my DA card, to exchange gift with point, need to pay for shipping...
while my another card, maybank, i exchange some last year, no need to pay any shipping..

please share, how about other bank credit card? need to pay shipping??
is DA abnormal, or maybank is too nice??

For Maybank and HSBC, I redeemed for vouchers. No additional charge incurred. Not sure for if you redeemed stuffs other than vouchers.
For DA, can self pick at where? Preferred CIMB branch?

@winner,
Er.. I didn't apply for the SCB JustOne - maybe I'll look into that later but see how lah cause ma fan lah want to carry so many CCs.  I applied for a different SCB card.  And yup SCB does send SMS but the CS also informed me of my application status.

@bingozero,
Er.. I don't think the bank will find out lah ! I don't think Ur able to convert; just reapply for another CC lah.

@tgeoklin,
Er.. what is this about sending of the SMS come month end?  I blur lah.... what did I miss?

Hi, guys, between AmBank classic CC & EON Bank classic CC, which one is better? plz advise me!

@cute_boboi,
iYah I think it depends on the postman sending the stuff to U lah... AFAIK it's stewpid !  Let's get back onto CC talk.

@Dozz,
Looks like the picture I promised U will haf to be delayed again, this time indefinitely

2. i just dont understand why some people in this forum prefer to ask people to not this to not that instead of providing a better advice? maybe i LOVE to be in debt? why dont u let me decide whether i should get a cc or so? and i dont understand if u can afford an item, why do u still need a credit card, go ahead pay check or cash settle the payment once, and eventually this thread will be useless whats the point?

@Aeon_Clock,
It's because Ur holding co-branded cards hence it's possible but otherwise Visa & MC has a policy in which U cannot hold 2 Visas from the bank; as in U cannot have Classic + Gold Visa.  Ur Gold Visa will override the Classic and that will subsequently be cancelled.  This applies to MC too but apparently it doesn't apply to Amex cause Amex Platinum CC holders have applied and received the Amex Gold CC

What is your question, don't really understand credit line statement. For my DA World/Infinite I had to submit once again proof of income and fill in the application form.

Does it means the CL? If so, the CL for my DA Plat is the lowest among my Plat CC (even lower than my RHB Evo).

I hardly use my DA except for pumping petrol or buying books at MPH. Long ago applied DA with Degree for Gold Card then apply to upgraded to Plat. Well in the VI/World Application Form it states income requirement so I submiited my EA form together with the application form. A week later they sent me the cards.

tgeoklin, I guess you are a valued client of CIMB/DA and me not

Anyway, Ad in The Star today for CIMB/DA CC (for arsenal easy reference, see Section 2 Pg T5):

Offer at MPH
29/7 to 2/8 - 15% discount on books and RM5 voucher for every RM90 purchase.
29/7-31/7 - additional 5% discount on books.

Offer at MPH outlets at 1U, Subang Parade and MV
Spend RM200 get Thermos Snack Jar & Spend RM400 get Santa Barbara Overnight Bag.

@MilesAndMore & alexwsk,
Er.. I believe someone mentioned for SCB VI, U need RM80k CL but I'm not sure if that figure still stands.

@MilesAndMore,
So this HSBC Visa Platinum is different from the HSBC Premier?  Cause if I ain't mistaken, HSBC Premier doesn't give U 80% of your time deposit; AFAIK their CL starts at RM40k.

Thanks for the shedding a light on the Visa & Mastercard categories.  Looks like I now need to get my hands on the World Mastercard.  So, which banks offer it again?

@Aeon_Clock,
We're talking about RM150k-240k annual income for the Visa Infinite.  Am not sure about the World Mastercard though.

@winner,
Sorry but where did U read there's a 3 year FOC for the SCB VI card?

@tgeoklin,
AhHhhh... well I didn't get any pre-approved card from SCB but that's also because I'm not one of their elite customers *siGh* Nah.. not going to go get the World Mastercard - don't see a reason to be carrying so many cards.

RM50K CL to qualify for VI? If you ask me that is kind of low as Plat starting CL (exclude Robinson and UOB ONE card) usually at RM30K right?