You know the principle of money makes money.

It's a risky game. Make sure don't over-invest and you must reserve the fund to pay for shares in an acc, so that you will have enough fund to settle your debt after the 0% tenure.

While being given access to KL or worldwide plaza premium lounge is good, a lot of travellers on business purpose do not utilise the facility because of rush headlong in catching the flight on time. Nevertheless, it is awesome when you can relax during a transit time.

They need 2 hours to issue temporary or permanent card? It's still not as efficient as Citi who issued card within 1 hour.

Don't need to rush and jump into the boat too early. As the card is free for life, you can apply for it anytime you like, or when there is further promotion like freebies giveaway and new 8x or 10x MR.

You lazy baby. Go to CIMB website to check it out yourselves!

It's almost impossible. I also informed SCB I just wanted a cc without opening a current acc. But after a few days upon receipt of the Just1 cc, they sent a cheque book to me directly and charged the stamp duty into my Just1 acc.

Haha, you've tried in China already. I tried in S'pore yesterday, OK too!

Even if your income is slightly less than the requirement, the bank will still consider to approve it. Just use your Amex Plat cc as a reference, I am pretty sure the CL is good enough to meet the eligibility. However, it's up to you to make the decision, whether you need the card NOW or you don't really utilise the main benefit (such as access to plaza premium lounge, golfing facilities, etc).

Banks assess your ability to pay based on a few factors. Income is only part of them. They also look into your job nature, company, commitment, debt status and spending pattern, just to name a few.

Yes, you can do it online.

This post has been edited by winner: Jul 12 2009, 05:40 PM

Just complete a survey form and get 3000 TP in return? It sounds good!
Hope it's not something like a 10-page form.

In that case, it can't help. You can't fix the payment day (Friday) for autopay. You have to do it manually via call-in or online on Fridays.

Besides, one of the advantages of online payment is that you can fix the payment date.


This post has been edited by winner: Jul 12 2009, 08:08 PM

You just have to accept the fact that some old terminals don't recognise Just1 cc, as it is the most "advanced" cc in M'sia at this point in time.

Well, I've received the e-statement for my 2nd month bill today. Free 5000 choice points have been given and shown in the acc.

I'm not sensitive and observant about cc terminals. So far I only encountered payment failure once, that was at a restaurant in KLCC. During that time, I didn't have enough time to "teach" the cashier as I was rushing to somewhere else. Overall, I am satisfied with this cc, at least for the time being.

This post has been edited by winner: Jul 13 2009, 09:19 PM

Just bring along your existing classic cc and request for an upgrade on the spot. If your request is approved, the new gold cc will supercede the classic cc.

Make sure you bring other supporting document such as your gold cc from other bank.

This post has been edited by winner: Jul 14 2009, 11:17 AM

Not a problem at all. It won't affect the interest rate. But, if you make payment in full, is that interest rate important to you? As for the autopay facilities, you need to update your new cc number with the respective payees.

There are such cases, >30k CL, especially those request to downgrade from Plat.

Happy to hear that there are people like you who are qualified but always keep a low profile. For me, I also feel benefits are more important than the colour of the card. I'd rather use CCs with more reward points and cash rebates.

It's 20 days from the statement date. In fact, most retail purchases are made before the statement date. Therefore, you can actually enjoy more than 20 days interest free period.

It's different segment, only available for self-employed people. The interest free period can be longer. This is a Plat Business cc.

1. Don't wear too tight pants
2. Don't carry unneccessary cards, coins and papers in your wallet
3. Put your wallet in front pocket, instead of back pocket.

You adore your new Plat cc so much. I will just replace it when it is spoilt. And of course, I'll fight to get the replacement fee waived. Nontheless, never have I ever experienced this.

It isn't new segment. What I meant was HLB Plat Business cc targets different market segment, namely self-employed people. Some other banks also feature Business cc.