Have you tried to request for waiver of replacement fee? I lost my HLB cc 2 years back and the bank gave me a replacement card without charging any fee, only after I called and requested for waiver.

I wonder how you sound like or how the CS staff respond when they hear your voice? Just kidding!

Anyhow, try to be as rational as possible while talking to CS staff. They may just waive the fee if you have a good track record with the bank.

If you aren't happy with the cc/bank, just cancel it, as there are many other good CCs in the market await you. Do make sure you redeem something before you terminate it.

Btw, there is no good promotion from HLB after the 5% cash back promotion. The recent "kids eat for free" programme doesn't sound attractive.

But nobody is willing to expose his/her CL exactly. Maybe you can start with your Infinite 1st? Hahaha

It depends on bank's policies. Some banks are very strict on late payment. Some good examples are CIMB and Ambank.

It's only a joke! Do you think I'll tell you my CL if you inform me of your CL? It should remain my privacy then! Btw, only my loved ones know my CL so far.

SCB Visa Infinite was only by invitation last time. It is no longer "extremely exclusive" now as it is open to public. I did receive call from an SCB cc staff promoting this product to me some 2 weeks ago.

I know it was a joke from you too by simply giving a fake figure, likewise. It's because you have given me an indication few days ago. Remember that? Anyhow, CL is a very personal thing.

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Added on July 16, 2009, 9:59 pmDon't give up. It was your 1st ever cc application anyway. You may try to apply through other banks with lower requirements, such as DA/CIMB, if you are qualified.

This post has been edited by winner: Jul 16 2009, 09:59 PM

Yes, Alliance has improved a lot now. Early last week, I requested the bank to replace my Younique with Plat instead, as I wanna get 2x points for overseas transactions. And I received the cc 1 week later. But its efficiency is still a far cry if compared to Citi. Give them some time.

Well, you have to accept it. And now, you may consider other banks offering cash rebate. If I am mistaken, cash rebate and FOC are your main requirements. You may try to apply for DA/CIMB, as they recently increase the cash back rate and participating merchants for specific days. Above all, it's quite easy to be approved if you are a degree holder.

Hey hey hey...let me clarify.
1. Revealing monthly income = Exposing CL (vice versa)
2. Rawang? It's too far away for me! In the Klang Valley, anything more than 30km from KLCC is out of my radar screen. FYI, a bungalow in Rawang doesn't cost as much as a brand new superlink in Mutiara Damansara or Desa Parkcity.
3. RM200k CL? Mine is still a far cry...and I won't chase for it anyway.
4. I can't even afford the villa facing Valencia Golf Course which you bought lately.

Nah…you are the one who always revealed your personal stuff in CC and Amex threads. I only remembered what you have said before. I can’t be penalised for having a good memory, right? Just kidding….hehehe Anyway, we shall call it a day on this issue.

It doesn't matter whether you are too young or not, the bank will give you approval so long as you meet the income eligibility. Good luck!

If you talk about benefits from petrol purchase purely, I think SCB Just1 stands out in the crowd, followed by DA/CIMB, Amex Gold cc, MBB Petronas and Alliance. Other banks also give rebates or extra points, but the promotion is only temporary.

Remember, there is no such thing as a free lunch!

I had made redemption with HLB, Alliance and MBB before, no courier fee was charged. So far, only DA/CIMB charged me shipping fee.

Recently, my sister redeemed quite a big bag from HSBC and again, no courier charge was imposed.

It isn't easier, but it is faster. You still need to meet the requirements set for different cards.

First, all banks will like to have you as customer. From the moment you took cash advance from your cc, the bank had immediately charged you an interest of 18% per annum.

Second, all banks will also like your friend for sure. If your friend always doesn’t settle outstanding balance in full, the bank has no hesitation to charge him/her interest until the cc debt is fully settled.

This is the beauty (from banks’ perspective) and danger (from consumers’ perspective) of CCs. Nonetheless, some people only see the beauty side of CCs.

You'd better keep all your CCs away temporarily, and debit card or cash term is your best friend for the time being!

The interest rate @18% is per annum basis. So if you settle earlier, it will be less.

This post has been edited by winner: Jul 21 2009, 02:42 PM

Why? You also join the club? You should get it earlier for entitlement of early bird rebate. But it's never too late now, as the 2%-5% rebate on ALL retail transactions (subject to RM600/annum) is simply irresistible! Btw, SCB sends SMS to inform you if your application is successful.

If it isn't Just1, then it shoud be VI??? hahahah
I guess SCB will send SMS if your application is successful only. So, do expect to receive the cc within next couple of days.

What are the guaranteed gifts from SCB? I've never received brochures on this thing. The promotion applies to Character cc only or all SCB CCs?

I also think it is a better option.

Your points are solid and well-put. It makes me feel that I should get myself an Amex gold cc too, for petrol purchase on non-Fridays.

If you are qualified for Amex gold, you might be able to get SCB Just1 too, as the income requirements aren't far away. Amex Gold @36k/annum vs Just1 Titanium @40k/annum.

Any reasons?

Somebody have mentioned that 1 principal can have up to 6 supp cards, and all cards will be carrying a max annual rebate of RM600 each. It is too good to be believed.

The RM50 rebate for the 1st 1000 early birds is still running? You'd better check your bill online when you receive your card later, as this card has been launched for nearly 3 months already.

I also received the SMS from MBB. The funny thing is that I do not have any MBB cards now.

I understand that you don't have a degree. In that case, it's better if you apply for CIMB instead of DA, because one of the important documents required by DA is degree cert.

It's a BAD deal! Last time HLB also practised this. They deducted part of your points for cash rebate. Some other banks are more generous, they give rebates plus points (except petrol) on every dollar you have spent.

Your advice comes in time to somebody who hasn't started working but has already planned to have cc debt in exchange of luxury stuff beyond his means.

Yes, it is still not broadly accepted nationwide and worldwide. Hope more merchants would accept it soon. Give it some time.