Reporting in. Today submit the new Amex Credit Card application form. Not sure MBB will receive it properly or not. Or how long they need to process it.

I got rejected by SCB CC. No letter or notice. I call up CS system, talk to voice-machine-system, key in my IC, says rejected

No, this was 2-3 years ago already.

Yes, call up the SCB CS number, the usual press 1 for EngLand, 2 for UMNO, 3 for MCA... choose several times until reach check CC application status, it ask to press IC number, then the pre-recorded voice says something like, "I am sorry, you application is not successful bla bla bla..."

BTW, I'm SCB M1 account holder for much longer than that. Very good banking and payment record.

Well, the phone-system cuts me off after announce, "Too bad, we don't want you. " *tuuuuuut*

Anyway, I have this bad luck with foreign banks CC.

1) I have home loan with SCB, they deny me CC.

2) My salary is credited into HSBC, they deny me CC. But earlier this year, they call up and offer me CC with 5 years waiver

Well, I don't know the actual meaning. But whatever message or things I receive, I always think from at least 2 angles.

Yep. It's like the bank asking nicely to take back the umbrella from you, the moment it starts raining. If you don't give, then they'll take by force, lawyer letters, etc.

Hmm... no idea. I got my net salary in HSBC. I believe my company will pay for the charges. I'm alright with HSBC, but the PV a/c charge me RM5/mth. I need the cheque book since HSBC doesn't have a lot of branches/ATM around. Ok, back to CC.

Not necessary though. I have encounter several times before, my MBB Amex cannot go through. Use MBB Visa, can go through.

Anyway, it is still best practice to carry 2 CC from 2 different providers.

This reminds me last time, I'm not qualified for Plat. I ask how ? She says, "Hentam only lah the annual salary put 120k, can one. Apply plat, got better free gifts (during application). Use the gold CC with >15k credit limit and >2 yrs, can already." I say ok lah. 2 weeks later, I receive the plat card. Of course, I think she gets better commission from plat compared to gold ?

Which bank ? The too much orange one

No salary slip. At that time, apply fill up form, photocopy IC and existing CC which is >15k CL and >2 yrs. That's all.

orange, not yellow

Yeah la, kena bodek by CS I thought try to apply my first unqualified plat for fun + gift. See see, got it But now already cancelled it.

It was at KLCC PC Fair 1-2 years ago. Like pasar malam Try for fun only. Now no more try this, waste my time to track and cancel/call up when AF waiver is up. Nearly applied RHB to get the F1 car or chess set

Yes, at that time, I'm a new member to the orange bank

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Added on June 26, 2009, 5:26 pmFor those still about Orange bank -> refer Post#213 (page 11) in this thread

This post has been edited by cute_boboi: Jun 26 2009, 05:26 PM

I keep for 1 year, then the statement comes RM300 AF

Start step by step. If you have degree and >2k basic salary (slip), should be alright to get DA first. Once you have a CC as a base for >6 months, your application for other cards will be easier and faster. Then you'll start moving up classic -> gold -> plat -> world -> universe -> Cybertron

However, must maintain good track records, i.e. prompt payment, no delay, no bad debts, etc. on all types of CC/loans.

Sorry, Transformers effect.

Just watched yesterday

Then try with 18k requirement CC first. I started with RM1.5k/mth basic (18k p.a.) also

Most of us here do full payment when statement arrive. Collecting points are bonus to redeem things you want Make sure don't fall into CC trap, i.e. owe the bank money.

Good luck, have a nice weekend.

Cancel it straightaway. Don't let the sales-person any chance to get commission.

feizaiII,

Refer first post in first page. HSBC has 1% misc fee/charge.

To me, I think is more on you applied for plat, but they give you 2x gold. If plat not approved, the bank should call to counter-offer with the gold. Not direct issue to you. I think this should apply to all banks, not just the one you mentioned.

Is it possible for the CDM to have dual-read mechanism ? If read-chip failed, it takes the mag-stripe reading ?

Anyway, you can cut the mag-stripe at near edge corner away (e.g. 5mm each way) and the card might still be readable normally. The data is mainly kept in more centre portion about 60-70mm of the 86mm full length.

2cm horizontal (parallel) to the mag-stripe ? Or vertical ? Or diagonal ?

If horizontal, the mag-stripe may still work, as it needs only 2 tracks (each ~2.8mm in height) to work for CC. Total has 3 tracks, hence mag-stripe is ~9mm in height. Nevermind, getting technical already

If you got too much free time tongue.gif bring some cello-tape + scissors + 1 dummy plastic card to CDM

1) Cover 2-3 layers cello-tape onto the chip. The chip is contact-smart-card, i.e. need to contact to read the data in chip. Try in CDM if can detect or not. If detect, means it uses magnetic as secondary.

2) To disable the mag-stripe is a bit more difficult. Even if covered, magnetic reader can read through it. The most fool proof way is to cut the entire mag-stripe away, then get another dummy card, cut the bottom portion (without mag-stripe) and paste onto the actual card with cello-tape . voila! you got a bank card without mag-stripe. Try again in CDM (without covering the chip). If can read, means the chip is not faulty. Else, vice-versa.

Nevermind, forget all the above.

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*Edited*
Actually step 2 above should be step 3.

The middle-step is to use a high strength magnet (e.g. Neodymium magnet) to erase or make the card faulty. Perhaps the mag-stripe is a REQUIRED criteria to read the card ?




This post has been edited by cute_boboi: Jun 30 2009, 06:17 PM

MBB TreatsFair at Mid Valley Exhibition Centre 23-26 July 2009

Well, I would say depends on personal preference. I have been to MBB TF and the stuff to redeem there suits me more. Also, most of the items (if not all) are to redeem with TP.

Compare to CIMB Home Decor at KLCC, most of the items are for sale and pay through CC. Well, if I want to buy using cash/CC, I can goto shops, no need goto this kind of fair.

The MBB fair is for all/most suppliers to group together to offer customers to redeem their points on the spot.

Any other bank CC has points fair ?

Again, I'm not related to MBB or working for them. I just wish to share and I'll be going there to survey and redeem some stuff if available.