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 Credit Card Thread V7, Everything about the world of plastic

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vampbreak
post Jul 7 2009, 10:07 PM

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QUOTE(Lis000 @ Jul 7 2009, 08:32 PM)
You have any outstanding payments on other cards or loans?

My application for the SCB Justone Titanium was just submitted yesterday by the CS. Hopefully it gets approved.
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Cannot be la. Coz my credit history was superb duperb rclxm9.gif

I ring the bank tomorrow and ask. Will update you guys later.
alexwsk
post Jul 7 2009, 10:50 PM

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walau eh, still on this HLB plat discussions sweat.gif

@vampbreak, you shud hv make the picture bigger ma tongue.gif
MilesAndMore
post Jul 8 2009, 12:26 AM

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QUOTE(zazaza2009 @ Jul 7 2009, 09:29 PM)
Are those Bill Gates' hands? Bentley 12 : 1 size also Bentley la.
That is Vampbreak's hand.

arsenal
post Jul 8 2009, 12:26 AM

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is there any way to find out the Justone application? No new about it...sad.gif
MilesAndMore
post Jul 8 2009, 01:18 AM

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Hong Leong Bank's 1% Cash Back VISA Essential credit card is back !

Passed through a Hong Leong Bank branch just now. Saw this VISA Essential ad on the large tempered screen window. There is no information about the Hong Leong Bank 1% Cash Back VISA Essential credit card on their website. Please visit any of Hong Leong Bank 186 branches nationwide to obtain an application form for this card biggrin.gif
b00n
post Jul 8 2009, 01:54 AM

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QUOTE(vampbreak @ Jul 7 2009, 09:22 PM)
I'm sorry zazaza2009. But you need one of these to buy Bentley.  tongue.gif
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Finally saw someone with a Centurion Card..... drool.gif
With that, it's not only Bentley brows.gif
winner
post Jul 8 2009, 05:48 AM

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QUOTE(zazaza2009 @ Jul 7 2009, 04:08 PM)
The HLB CC points are not evergreen and can be expired. Recent promotion is also a BIG cheat whereby your points will be automatically deducted to exchange for cash back for purchases.

Suppose to be free cash back, and users need to SMS to participate some more.

Damm, I *%#@ the HLB on the phone and said that this promotion is a fake promotion because it forces a point deduction to exchange for cash. He say nothing he can do and I asked for the manager, he say not avaialble, guess he went to hang himself.

However point is not very important to me, but the way the promotion cheated me and others is not appropriate. The terms and condition of the contest promotion is at least 4 pages with the smallest fonts printed.
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During the HLB cash back promotion held from end 08 to early 09, HLB deducted points to offset the cash rebates given. I also felt it's unfair and I highlighted my concern to HLB. The following 5% cash back promotion held from Feb to May this year was conducted without deducting reward points. However, the current promotion giving kids free meals seems unattractive to me. Furthermore, do bear in mind that its reward points expire every 3 years.

QUOTE(bingozero @ Jul 7 2009, 04:29 PM)
Hello,
Today I go to CIMB to apply a master card since I already have one Maybank Petronas gold visa.
The staff told to to sign 3 form and she will fill in the blanks, and I say I would like to apply ONE master card only, and she said it is depend to the bank whether approve 2 or 1 credit card for you.
What should I do if really approve 2 credit card for me, can I cancel it on the spot? icon_question.gif
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She can't force you to sign 3 application forms for 3 different cards. She seemed to have bluffed you for greater commission. It is unethical.

QUOTE(MilesAndMore @ Jul 7 2009, 04:46 PM)

Outrageous. The Public Bank branch i usually go to always clear my cheque issued other bank between 2 to 3 days top. You should file a complain  vmad.gif
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I did make a complaint to the CS and the staff promised me for an investigation. Since then I didn't get any response from the respective staff. I was tired of calling the bank again and explaining the whole story to another CS staff. In the end, I cancelled the cc, and my nightmare had ended.

QUOTE(zazaza2009 @ Jul 7 2009, 08:07 PM)
I am a freethinker and my religion is Buddhist but I believe in GOD
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Don't you think your statement is confusing and contrary? Nevertheless, do discuss only on cc topic and keep away your philosophy here. biggrin.gif Ok

QUOTE(vampbreak @ Jul 7 2009, 10:07 PM)
Cannot be la. Coz my credit history was superb duperb  rclxm9.gif

I ring the bank tomorrow and ask. Will update you guys later.
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Perhaps your Black card makes you too high profile to own other cards. tongue.gif

QUOTE(arsenal @ Jul 8 2009, 12:26 AM)
is there any way to find out the Justone application? No new about it...sad.gif
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SCB normally takes 2 weeks to process the application.
hazairi
post Jul 8 2009, 06:24 AM

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I'm using a maybank credit card.
The bank's profit charges, they didn't state it in my credit card's account in m2u.
They only state it in the credit card bill each month.
Is that normal?
tgeoklin
post Jul 8 2009, 06:57 AM

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QUOTE(vampbreak @ Jul 7 2009, 10:07 PM)
Cannot be la. Coz my credit history was superb duperb  rclxm9.gif

I ring the bank tomorrow and ask. Will update you guys later.
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CS normally will not know. You may need to write in. Further, supp card does not carry any weight when applying for your own principle card. Another reason could be you are already having too many cards ie. cumulative CL threshold in breach per their requirement, so maybe you need to cancel one or two cards to make way?

This post has been edited by tgeoklin: Jul 8 2009, 08:03 AM
vampbreak
post Jul 8 2009, 07:59 AM

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QUOTE(alexwsk @ Jul 7 2009, 10:50 PM)

@vampbreak, you shud hv make the picture bigger ma tongue.gif
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HP camera no good lah~ Anyway, if you click on the photo should be big enough what. Last time I post this, someone look every details on the pic, including laptop model, my name, keyboard color, coffee mug,..etc..etc

QUOTE(MilesAndMore @ Jul 8 2009, 12:26 AM)
That is Vampbreak's hand.
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Yerp! That my hand and that is zazaaa2009 post at background tongue.gif
QUOTE(b00n @ Jul 8 2009, 01:54 AM)
Finally saw someone with a Centurion Card.....  drool.gif
With that, it's not only Bentley  brows.gif
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What is on your mind ? I buy you cappuccino at Starbuck nak? biggrin.gif

QUOTE(tgeoklin @ Jul 8 2009, 06:57 AM)
CS normally will not know. You may need to write in. Further, supp card does not carry any weight when applying for your own principle card. Another reason could be you already having too many cards ie. cumulative CL threshold in breach per their requirement, so maybe you need to cancel oen or two cards to make way?
*
Well, I been invited to join Amex Platinum members sometimes ago. So I dont think I dint qualify for this JustOne card. Furthermore, Amex Gold Charge Card have higher requirement than JustOne and I easily meet those requirement. So put the Amex Centurion away, and still my financial history is strong. And I dont think holding multiple card is the problem as Dozz have 12 cards hmm.gif
tgeoklin
post Jul 8 2009, 08:08 AM

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QUOTE(vampbreak @ Jul 8 2009, 07:59 AM)
Well, I been invited to join Amex Platinum members sometimes ago. So I dont think I dint qualify for this JustOne card. Furthermore, Amex Gold Charge Card have higher requirement than JustOne and I easily meet those requirement. So put the Amex Centurion away, and still my financial history is strong. And I dont think holding multiple card is the problem as Dozz have 12 cards hmm.gif
*
Erh, its not how many cards you have but how much liability the banks are willing to take on. Amex knows you but not SCB, so very different scenario. PB for eg will not approve anyone with more than 6 CCs etc. And Dozz is a high roller who even got his Amex Plat AF waived, when its supposedly unwaiveable, so guess can't take him as the normal benchmark, right?
vampbreak
post Jul 8 2009, 08:24 AM

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QUOTE(tgeoklin @ Jul 8 2009, 08:08 AM)
Erh, its not how many cards you have but how much liability the banks are willing to take on. Amex knows you but not SCB, so very different scenario. PB for eg will not approve anyone with more than 6 CCs etc. And Dozz is a high roller who even got his Amex Plat AF waived, when its supposedly unwaiveable, so guess can't take him as the normal benchmark, right?
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Hmm.. That make sense. But still don't know why I not eligible for the JustOne card cry.gif

Let's wait for another 30-60 min and I ring the SCB. Will let you guys know.
tgeoklin
post Jul 8 2009, 08:27 AM

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QUOTE(vampbreak @ Jul 8 2009, 08:24 AM)
Hmm.. That make sense. But still don't know why I not eligible for the JustOne card  cry.gif

Let's wait for another 30-60 min and I ring the SCB. Will let you guys know.
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Don't take it so badly, its not that you are not eligible but just that they are too prudent cool2.gif

This post has been edited by tgeoklin: Jul 8 2009, 08:28 AM
SUSzazaza2009
post Jul 8 2009, 08:38 AM

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VampBreak,

Bill Gate's skin color can change la, sunburn and etc.

How to get those cards? Belongs to you or subbed for you?
Show your face la, why show hands only. Are those cardboard cutouts? Joking.

This post has been edited by zazaza2009: Jul 8 2009, 08:51 AM
tinkerbel
post Jul 8 2009, 09:21 AM

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@vampbreak,
tgeoklin made very valid statements - u probably didn't get the card approved because you're seen as high credit risk to SCB. In any case, U shouldn't need to worry about it. Btw I thought you're in Sydney, hence Y the need for this card?!

And Dozz has 14 cards, not 12 tongue.gif
vampbreak
post Jul 8 2009, 09:28 AM

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QUOTE(tgeoklin @ Jul 8 2009, 08:27 AM)
Don't take it so badly, its not that you are not eligible but just that they are too prudent cool2.gif
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Hi everyone. Talk to the credit department just now. Been inform reason for the rejection is because of process department are unable to contact me via my mobile for verification. Also they asking for my epf statement. rclxub.gif The application expired 3 days after they can't contact me..
QUOTE(zazaza2009 @ Jul 8 2009, 08:38 AM)
VampBreak,

Bill Gate's skin color can change la, sunburn and etc.

How to get those cards? Belongs to you or subbed for you?
Show your face la, why show hands only. Are those cardboard cutouts? Joking.
*
How do I get those cards ? Maybe because I'm Rich? Joking. tongue.gif
I'm nothing compare to other reader here.

This post has been edited by vampbreak: Jul 8 2009, 09:44 AM
tinkerbel
post Jul 8 2009, 09:37 AM

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@vampbreak,
I sure hope U had permission posting that picture up; U don't wanna get into the bad books of Dozz tongue.gif I'm however pretty interested to see that PremierMiles, Citibank card though - wonder where it's from biggrin.gif
SUSzazaza2009
post Jul 8 2009, 09:42 AM

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Monte Card VampBreak, wah cayalu la. Silver spoon la you.

In the film version of Quantum of Solace, James Bond has his Centurion Card rejected at the airport after "M" revokes all of his passports and credit cards. The card is black and the AMEX logo is very visible in the scene. James Bond's Centurion Card is also seen in the previous film Casino Royale, when Bond uses it to pay for a villa at the Ocean Club in the Bahamas. The black card is visible as he hands it over to the receptionist.


Added on July 8, 2009, 9:44 amVery bloody menstr... rich ! Respect la.
Tabik, tuan.



QUOTE(vampbreak @ Jul 8 2009, 09:28 AM)
Hi everyone. Talk to the credit department just now. Been inform reason for the rejection is because of process department are unable to contact me via my mobile for verification. Also they asking for my epf statement.  rclxub.gif  The application expired 3 days after they can't contact me..
How do I get those cards ? Maybe because I'm Rich? Joking. tongue.gif
I'm nothing compare to other reader here. Look at Dozz card below. He have Visa Infinite which you mentioned in your earlier post. Now he is bloody rich!!! rich!!! rich!!!  rclxms.gif
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This post has been edited by zazaza2009: Jul 8 2009, 09:44 AM
vampbreak
post Jul 8 2009, 09:47 AM

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QUOTE(tinkerbel @ Jul 8 2009, 09:37 AM)
@vampbreak,
I sure hope U had permission posting that picture up;  U don't wanna get into the bad books of Dozz tongue.gif  I'm however pretty interested to see that PremierMiles, Citibank card though - wonder where it's from biggrin.gif
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Ya lah. You right. I got carried away~ nod.gif Well. I removed it. smile.gif
SUSzazaza2009
post Jul 8 2009, 09:50 AM

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Which is the most prestigious card in the world ar?

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