getting a cc from mbb when u already had an existing one is easy ... coz they onli issue another card with shared limit among other cards .... my fren get his amex gold cc without applying ... he say mbb called him to go to branch n take the card n its offer to him since he got another mbb cc

in my case , i cancelled my mbb petronas last year coz tht time i apply so tht the salesperson got his quota ( n he's been talking in my office so long i'd give up rejecting )

now i apply the amex gold cc using my hsbc premier cc ... i stil wonder y they take so long to response???? even wan reject oso shud gif a notice ma ... if they r checking records ... as a hsbc premier account holder , how bad would his credit be???

does citibank platinum card stil gif us 2x points when spend overseas???

i had scb justone mastercard , hsbc amanah visa platinum , citibank visa platinum .... which of these charge a lower/better currency conversion rate?

my hsbc amanah is overdue ... the problem is i never received the statement n i onli noe its overdue when the collection dept called in ... i say im gonna pay immediately n request a waiver on the late payment charges ... the cs said i can onli request when the charges reflect on my next statement how come DA can straight away waive n deduct it out so i can make a proper payment amount????

as for the citibank platinum visa oversea spending ... no 1 noes the 2x points stil exist???

i checked page 1 ... it onli stated the charges upon currency conversion ... if any1 had tried a few cards ... i would like to ask which bank offer lowest rate ... e.g visa or master?

mbb cs ... always engaged le automated oso will engaged meh??? when i finally got thru ... busy busy busy ... at last waited 10mins no one attend me

This post has been edited by santaclaus: Aug 26 2009, 10:43 AM

thanks a lot winner .... finally some one answered 1 of my questions

winner thx again for the comparison

as wat i knew , all cc stated the conversion rate is determine by visa / master then the issuer bank only add in their charges ... however my fren said he always use citibank compare to hsbc because the rate are lower .... thts y im asking how is this calculated

based on my fren's n winner's comparison i guess using citibank gif the lowest conversion rate as i dun own alliance nor hlb cards ... hsbc always charge higher ... might consider scb since their 2% rebate might write-off the extra charges

i think wat he meant was Citibank charge him 3.59 but the market rate out there is only 3.5305 .... no?

i registered a few times oso cant get it althou follow every steps ... so i call cs n they say they can do it thru the fon ... they will send a temporary pin thru ur hp n gif u a temporary log in username ...

althou they can help , u haf to say u r dissatisfied then they do for u , coz the first time i called they say will send me a temporary pin within 7 days , i asked y cant do on the spot? she said its procedure ... after more than 1 week , get nothing ... i called again , the cs say the same thing then i say wanna lodge complain coz last week already someone promise me to activate it but din send anything to me ... the cs then onli say ok , she so it on the spot ...

after she guide everything , less than 5 mins kau tim ... but the oline account show no balance until the next day la

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Added on September 15, 2009, 11:00 ambtw , for the Direct Access MC petrol rebate , i c now they change to 5% on first day of the month 2% other days til 31 dec 2009.

does this means starting 1 jan 2010 , there will b no more petrol rebates???

actually this is my first card , but the credit limit never increase at all , so seldom use ( onli for petrol ) , but after got scb justone , this card already kept in my drawer , so im thinking whether i request for credit increase then i will continue to use ( provided petrol rebate stil got ) or juz cancel it off ... problem is i lazy to submit my income documents , anyway ask them to increase w/o these procedures???

the limit damn low la ... 8k onli

This post has been edited by santaclaus: Sep 15 2009, 11:00 AM

izzit??? damn,i juz used it last month oversea stil thinking they do offer such thing ...

anyway , i've been told the exchange rate among banks , citibank is 1 of the lowest if not then really no reason for me to keep it liao ...

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Added on September 15, 2009, 7:05 pmmy scb justone rebate omost finish ... now scratching my head dunno wanna apply which card ... like the amex gold cc but damn sales din submit for me

left with hsbc amanah ( onli 0.5% rebate ) & citi plat ( nothing special , damn )

This post has been edited by santaclaus: Sep 15 2009, 07:05 PM