I have 4 CC's with total credit limit RM46k, on top of that i oso got MBB Amex Gold with CL 8k, recently just apply for ikhwan petronas gold, and guess what? Approved with CL RM 1,000.

Huh, I'm thinking like my age is 5 years go to shop got RM 3000 cash in hands to buy laptop but the cashier refuse me instead give me Cloud 9 for free

Yes you can. You'll need a pin number for that. By default I don't think they send you one. So when you apply, specify that you'll be wanting a pin number for your CC.

Oh. Must have remembered the wrong person then



Yes. You can. And just like ellimist said, you need to request for it.

I Apply Public Bank Coz I Am A Manchester United Fan Apply Just For Collection
I Can't Wait For That Card Coz Can Get Player Signed Jerseys

why does the stupid citibank like to ask us enroll for auto billing in order to get our annual fees waived ? i refuse to do so...

huh? got such thing 1 ar?

citibank just try to baits the consumers... haha...

Really? Manchester United player signed jersey is harder to get, i think it is lucky draw gua... if not so many people apply then how? Roonie have to sign until hand can't move

Are you using co-brand card (Giant, Airasia, Shell)? My friend using Shell, he is asked to enrol in Balance Transfer to waive the Annual Fee...

Most bank is like that. On top of that, they are likely to have combined the CL of all your cards that were issued by them. The RM1,000 + your previous card RM8k makes it a total combined of RM9k.

It is the CS that does it. No need to complain la ... if they insist you to enroll auto billing say you don't like to use facility and ask them to still consider you for AF waiver + call you back later if they need to ask someone senior to approve. If can .... good for you if not then cancel card and reapply later.

Normally I just say I'll prefer an unconditional AF waiver and often I'll get it. The few times I don't get it, the CS get shocked when I replied then can proceed with card cancellation. What happen next is the long persuasion by them to get me to stay on.

Yaya....... I won 2 signed jersey, back to year 2007. 1 was from G.Neville and the other one was from the legend of the legend - Ryan Giggs.

---

Added on September 29, 2009, 9:34 amIt is not base on lucky draw. Last champaign, you have to be 1 of the 5 top spender of the month to win the signed jersey, if you are the top then you can fly to Old Trafford!!! But that was old-batch champaign, I am not too sure about this re-launch MUFC CC is it still the same T&C.

This post has been edited by boonsin23: Sep 29 2009, 09:34 AM

Can Sell Me The Ryan Giggs Jerseys?Haha

Sorry....... it is priceless to me......

the CS already pass me to their other department , they asked me spend RM600 by end of December to get the waiver, i settle for that , i only need my citibank card for borderlinx service , anyway they should consider waive for me since i have their card for 10 years already

hi all,

want to ask for my friend.

he is going to USA secondment for 2 years, which Msian credit card is the best card to maintain as backup card? or shd he maintain 1?

another Q is in USA, which CC or card is best to have?

Maybank's. Because the recent comparison shown that Maybank is the lowest after factoring in the loss of exchange rate and bank's admin charge. The second lowest would be Alliance Bank. The highest is Standard Chartered Bank. So remember that unless you will be reimbursed for your overseas spending, you should never ever use your Standard Chartered Bank credit card while overseas.


Oh ... There are so many actually. But since he/she doesn't have any credit score record in USA, almost 99% that his/her application will be rejected. Things work very differently in the US. One needs to build up his/her credit card before he/she attempts to apply for a credit card. One can also build your credit score rating by using your USA issued debit card.

Some of the "hottest" credit cards in the USA now are :
- CHASE Freedom VISA/Mastercard by Chase**
- BankAmericard VISA by Bank of America (there are 3 types)
- Accelerated Cash Rewards American Express Card by Bank of America
- Weekend Mastercard by HSBC
- Dividend Platinum Select by Citibank (for college students only)

**Chase's full name is actually JP Morgan Chase but for their retail banking business only the name "Chase" is used.

Hi sifu here...

Just now receive Citibank call for asking me interest on their Flexi Payment Plan.. Anyone try this service before?

Basically bank will deposit a certain amt to any of my local bank, and i have to take money to pay all my outstanding amt. Thereafter, if i choose 12months, thn i will pay a figure based on 9.88%p.a.

My question is .. Can i do early settlement? and if i owe 10k, is it worth for me to take this plan?

Thank you for your useful information.

i shall ask my friend to get a Debit Card 1st. btw, debit card is popular in USA? can do online purchase example non-frills airline tickets like using CC?

Is there a list from top to bottom?
I have AMEX, Citibank and HSBC on hand and going to HK next month. Which is the best card to use?

You'll be surprised with just how many people in US are using debit cards. In fact almost everyone there also have checking account and a debit card in the USA can only be issued if you have a checking account with the respective bank. All these accounts also come with overdraft facility by default but be warned, the fee is very very high.

Yes. Debit card is accepted everywhere in the US and it can also be used at Southwest Airlines and Jetblue website to buy tickets.


You can get the list in the previous version of credit card thread. AMEX has high overseas admin charge at 2.5%. If my memory serves me correctly, HSBC is a bit lower compared to Citibank according to the data provided by GHz

This post has been edited by MilesAndMore: Sep 29 2009, 08:39 PM

It is not right to force customers using such ugly tactic. It was probably from those unethical cc sales agents or CS officers.


It looks like Citibank doesn't really appreciate you as a loyal customer of 10 years. Perhaps Citibank has huge customers base and can't really take care of every customer. Anyway, if you feel the cc doesn't give much benefit to you, you can cancel it as there are many other choices in the market.


If your friend is a Citigold or HSBC Premier customer in Malaysia, it is good to carry a cc from either Citibank or HSBC as deposit/transfer activities will be much convenient.


You will pay heavy price if you are not discipline and don't understand the concept of such scheme.