Wanna To Ask 1st Credit Card Got 6k Credit Limit Are Much Are Very Less?

Hi all, i got a questions for cc easy payment here:

Let say i buy a laptop at apple store using my HLB CC, if the apple store dun have easy payment scheme for HLB CC, then do I still can apply for easy payment scheme from the bank? If yes, what is the procedure?

Thanks for your kind help!

Minimum of a credit card credit limit is 3K, 6K are not very less.

Thanks For Your Advise
Finaly Get My First Credit Card with 6k Limit

---

Added on October 5, 2009, 10:34 amThanks For Your Advise
Finaly Get My First Credit Card with 6k Limit

This post has been edited by arvil22: Oct 5 2009, 10:34 AM

Used it before for roughly 15 months. It was a CIMB Gold Mastercard. They always called whenever i bought something off the internet which is great (**I'm using HSBC VISA and Mastercard now and i can tell you they never call even if i buy something from overseas through the internet which i am not too happy about). Tons of discount year-round and the redemption points needed for shopping vouchers are much less than any other banks' credit cards.


Don't worry about it. Yours will be free for life as well. However for Classic and Gold card supplementary credit cardholders, they do have annual fee for these. Only the the Platinum supplementary card(s) are free. So you will need to call it every year to get the annual fee waived if you have a Classic or Gold supplementary card issued.

This post has been edited by MilesAndMore: Oct 5 2009, 11:30 AM

Don't think so you could do so with your HLC cc. Even if possible, you have to pay additional fees to the bank as this is not counted as Interest Free installment plan.

Example :
1. SCB, Above RM500, 7.99%, 12 months
2. CIMB / DA, iPay Plan, Above RM1K, 2%, 10 months (Not sure whether this plan still exist)

same here. i never get call from HSBC, any single call for the huge purchases.

yes. the latest catelog i received few days ago state iPay Plan still exist.

as far as I know HLB only got Easy Payment Plan with their partners only, dont have easy payment for any product ..

yeah.. me too, never get called from HSBC for any purchases.. but their marketing is too efficient to call me so many times for balance transfer, HSBC amanah etc...

The bank has studied your spending pattern and will only call you to clarify if there are extraordinary expenses. Last time Alliance Bank kept calling me when I spent a few grand in a single receipt. Nowadays, Alliance doesn't even bother to call me if I swipe 10k in a single receipt. But I do appreciate if the bank could make a security effort by giving me a buzz even though I am abroad when I swipe the card.

OIC. sorry silly me. suppose this is cc thread and suddenly mentioned abt the card limit. i did not read properly and tot it was cc limit instead of giro... blushhh

And some insurance, too

greeting all...
im dosent have any CC before and really noob about it.
planning to apply 1 CC but cannot decide CC from which bank....
actually i interest for buying some home equipment using easypay plan.
instalment for 1 or 1.5years......
so, which bank offer CC suitable for this plan???
is maybank CC ok?? coz my salary is in maybank account.
or cimb better?
thankz in advance for helping me.....

I remember that was a tai kor mentioned about pledge time deposit with hsbc's platinum card back in V7, but i juz couldn't retrieve it. May the tai kor tell me which branch he pledges the time deposit with?? I went to USJ branch just now, and I was told to have at least RM150k.

You can apply for both Maybank and CIMB Bank credit cards. Both are quite good especially CIMB Bank Mastercard. Lots of discount year-round.


No. He's not a taikor. Anyway, the VISA was applied through HSBC Kota Kinabalu branch. For Classic VISA/Mastercard i believe RM5000 is enough while Gold VISA/Mastercard you will probably need RM10,000.

As for HSBC Platinum credit card, the minimum credit line is RM30,000. So your time deposit cannot be less than RM37,500.

He/she probably didn't understand what you were asking. RM150k is the minimum annual salary needed if you apply using salary slips as stated at the back of their Platinum VISA application form.

This post has been edited by MilesAndMore: Oct 6 2009, 12:54 PM

Thk u so much taikor MilesAndMore
My time deposit is going to mature in a few more days, and i gum gum bypass the branch, so decided to walk in to inquire. When the stuff went to checked with his supervisor and told me need to deposit RM150k, i was got shock!! So now maybe i need to go other branches to hv a try.

RM37500 can secure a card? My deposit is double of the amount oh....

This post has been edited by boonsin23: Oct 6 2009, 01:06 PM

Hi all,

I'm planning to get my 1st CC,
my main aim is to get cash rebates, i'll used it mostly on petrol or travels

Any suggestion on which is the best bank or card to take?

With at least RM37500 in Time Deposit you can get a HSBC Platinum VISA. I am however not sure if this is available for everyone or just HSBC Premier customers. You can check with them again.



You mean you have RM75000 in Time Deposit ? Since it will be matured in a few days you can go to any HSBC branch and tell them not to renew it. You can then split it in two. If you have access to HSBC online banking then you can update the maturity instruction yourself.

Noted with thanks.

Alliance Younique MC. Remember to choose "rebate" option. Income requirement is pretty low, at RM18k per annum.