oh, thanks for your info.

My RM did not apply for my HSBC visa platinum. A credit card sales staff did. However, I do hope that i can be spared from paying the exorbitant annual fee I have no reason to believe they have any reason to charge you an annual fee as long as you remain a premier customer regardless of who applied for your card . My parents have multiple cards with Citibank and they have never been charged any annual fees. They are Citigold customers. Does HSBC issue visa infinite cards in Malaysia?

This post has been edited by taxpayer: Jul 17 2009, 12:31 AM

Did he/she use your HSBC Premier Mastercard to apply for this card ? I'm just interested to know Who knows one day i might need to do the same trick


No. They don't.

Actually I am telling the truth when I say my UOB Plat has the most outrageous limit amongst everyone here ....... makes me feel so proud & fuzzy

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Added on July 17, 2009, 8:05 amErh, I can only say its limits are capped

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Added on July 17, 2009, 8:08 amFor "by invitation only" cards, there are still the CIMB Enrich World Mastercard & MBf World Mastercard for now

This post has been edited by tgeoklin: Jul 17 2009, 08:08 AM

Credit limit is not a person's worth and it is only virtual overdraft given by the bank. You got to pay whatever spent.

I am very scared that my card will be hacked and illegal spending occurs. The higher the CL, the higher the risk ones got to endure.

scare? then downgrade.

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.

oh didn't noe that. thanks!

good to noe. thanks!

@winner,
HEY! We aren't suppose to reveal TOO much personal stuff and U indirectly did!!

@zazaza2009,
Fraud does happen but when tracked and if U can proof U haven't lost your card U should be fine. It's a different scenario altogether for lost/stolen CCs hence U got to be a little careful where U keep ur Cards.

@taxpayer,
Hmm.. looks like we have another high roller here; if U want to put in application for the SCB Visa Infinite then go ahead but seriously do U need so many CCs?

Yap. That is exactly what I did. My most often used card is a classic with RM3K limit, especially for restaurant and online purchases. My other platinum is for the just-in-case situation.

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Added on July 17, 2009, 10:04 amYap. Citi is very efficient in getting money from you that they are not entitled to. Like charging you late payment fee when there are no late payment. Many friends have been there many times so it is not an isolated incident.


This post has been edited by Optiplex330: Jul 17 2009, 10:04 AM

Hee~ That's "exclusive" also come with unwanted attention sometimes. If Centurion available in Malaysia I believe you also will be in Amex list. But do think Amex Plat Charge Card is still exclusive as it was the highest card available in MY?

Some credit card come with this features now. So don't worry too much about hacker's.
"Shop online with confidence. You will not be held responsible for unauthorized online purchases."

@vampbreak,
You're right - we shouldn't actually be giving U so much credit since the Centurion card U have is a supplementary card

I guess it really depends what U define as exclusive. Super rich people really don't care what card they hold, seriously!

Are you SURE I'm the only one in LYN.. Not 2? Hehe

Vin_ann,

I am not that real world kind of scare but worried. Guess this is the risk everyone have to endure in this cyber age.
I have a friend as a victim. So she has to make police report and wasted lots of her time and night of sleep.

However I will not downgrade to gold card because I have to improve in life and not walk backwards.
Just becareful in handling your CC.

This post has been edited by zazaza2009: Jul 17 2009, 10:25 AM

You are right Tinkerbel! I currently sharpen my plastic to be Titanium. Then only all the credit is count's. By the way, spending 250K USD p/a still not enough to guarantee ticket to be "black".

This post has been edited by vampbreak: Jul 17 2009, 10:27 AM

@vampbreak,
Unlike some forummers, I'm really not chasing after the status of the Black card hence makes no difference to me. I did spend USD250k last year but I wasn't able to swipe everything I purchased hence it's not reflected in my CC statements

I rather be using my time to chase after either more $ or men! muAhaHAHah *cruel laugh*

So who's the 2nd Centurion holder here?! He / She is certainly doing well to keep a low profile

This post has been edited by tinkerbel: Jul 17 2009, 10:30 AM

does they actually check how much saving person have? since account number is provided to them.

Haha! You have point! You must be rich as spending 250k UD is more than RM 1mil. I will buy GTR for that amount of money.

Yes. There is 2 centurion holder in LYN. He/She is not low profile. He/She also posting a lot in LYN but not in this cc thread. He/She have different interest.

@changjie83,
Er.. most of the time U dont need to provide account numbers to them even if they asked for it I don't think I've ever provided any account numbers to them.

Anyhow, even if they do check, it probably will be on randam basis.

@vampbreak,
Ah well... *shrugs* I don't go about discussing other people's CC business in other threads so let's just leave it as it is. U know him so it's difference

Unlike U, I wouldn't use RM1m to buy a GTR - I think it's ridiculous to spend that kinda $ on a 'liability'.

Yes. my application for the visa platinum was approved on the basis of my Premier Master Card. I did not submit any documents. My pay is significantly below their requirement anyway and i wont qualify. I think they will be more than happy to give you the visa platinum anytime if you have been holding the premier master card for more than a year and have nothing outstanding on it. Is platinum or premier master card the most exclusive card you can get from HSBC malaysia?