wat does credit limit mean?
i mean if i have a credit limit of 5k for one card, it is 5k per month, or max 5k only i can use for that card?
Credit card V8, Anything about it
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 Sep 17 2009, 09:54 PM
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#1
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115 posts Joined: Sep 2008 
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Sep 17 2009, 11:31 PM
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#2
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115 posts Joined: Sep 2008
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QUOTE(MilesAndMore @ Sep 17 2009, 10:37 PM) You can charge a maximum of RM5k only to the card. so if im buying sth say rm6k with easy installment for 12 months, example rm500 to be paid per month, it means it will only charge rm500 credit per month (no other spend use) even i buy sth over my credit limit, right? |
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Oct 14 2009, 10:40 AM
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#3
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How long does it take from approval till receival of card if i apply by walk in?
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Oct 19 2009, 12:26 PM
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#4
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is it all banks allow 0% (or any lower interest than normals) installment payment plan for any purchase that more than certain amount(2k i experienced)? or just certain banks? in my experience, UOB smsed me inform me regarding this feature when i purchased sth over 2k so i can just call back and tell them i want to apply.
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Oct 23 2009, 02:56 PM
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#5
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can i pay my due balance from online banking like maybank2u or cimbclicks?
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Nov 10 2009, 02:34 AM
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#6
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115 posts Joined: Sep 2008
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is it now citibank needs 12 months working if apply credit card? this is wat a so called credit card agent told me. but 12 months? o.o
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Nov 18 2009, 11:24 PM
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#7
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QUOTE(MilesAndMore @ Nov 18 2009, 05:55 PM) Well, many have said HSBC is pretty strict too but no harm trying. You should also try Maybank. Believe they are not as strict. as i know, maybank credit card minimum requirement for annual salary is RM30k. is there a chance that under 30k can get a classic card from maybank considering maybank is the main account receiving monthly salary?By the way, since you have started working now. If you are using Maybank to receive your monthly salary then you will be able to get a pre-approved credit card from Maybank very easily. HSBC has promotions from time to time but usually only the big spenders will benefit from it. EON Bank GSC is good if you happen to patronize GSC frequently. |
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Dec 9 2009, 01:25 PM
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#8
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just a little experience i want to share regarding apply cc with alliance. I was contacted by bank cc agent and i emailed all documents he requested. 2 weeks later, i called the bank and checked my application status. it was still pending. then i called the agent and he said the cc department said that 'i told' them my salary was paid by cash and requested my epf statement, while i have shown the agent my payment slip and bank statement, somemore i never received any call from bank, not saying I TOLD them. who the hell did they talk to?
and then my application is rejected....thats it....nothing more to say about alliance... |
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Dec 9 2009, 02:47 PM
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#9
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QUOTE(hye @ Dec 9 2009, 02:20 PM) It is the agent's fault obviously - maybe too eager to fulfill application quota. Always remember that in most cases (and especially if you are a new card applicant without reference credit card), you have to submit all documents that the bank wants to get approval. Short cuts would not guarantee approval. the email is that agent's personal mail. that agent is from alliance, i called alliance said i want to apply their cc and they sent this agent to me. i think my documents are alright, 3 months slip, everything clear, the amount of salary bank in to my account is so easy to read, i just don't understand why they would make such a funny mistake and even claimed it was me who told them...might say i have amnesia next time.And cc agent are not necessarily the bank's staff as most banks outsource their credit card marketing. Never be too gullible with a cc agent. Not to jump to conclusions ... the email that you were asked to send your application to ... what was the address after the @ sign ? Would it be the official bank's domain or some web mail address ? |
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