I'm aware of that but I don't want to do that. Not in a rush to do so for the mean time.

Thanks for the info.
Anyway the credit limit increase be done through phone call to their customer services ?


& by the way, do you use CIMB DA frequently & are a good payee, that they increase your limit ?

hi,
my GST rm50 will b charge next month. is it possible to terminate the cc tomorrow n apply again next month just to skip the GST?
cant be tat simple to skip the tax aite?

tq

This post has been edited by ginjie: Feb 8 2010, 10:49 PM

CIMB DA is my least used card. I used for installament and balance transfer. I don't default my CC payment. The interest is mad.

Usually permanent credit limit require some document proving. Temporary increase through a call is available to banks like Citibank (as far as I'm aware).

I don't think the banks are that s**pid to allow such thing, lol. They will have mechanisms for people trying to shy away from
paying the charges, e.g barring the person to apply again for a certain period / charge you when you re-apply.


Anyways, isn't it a hassle to to that, as compared to the amount saved ?

i was just thinkging about getting platinuim but earning 24K per anum doesnt really help at all.
.
.
.
thanks for the clarification

yup.tats exactly wat im trying to figure out ere..
but, wateve it is, it their loss not to accept our application for their product..

my case ere,
got cimb cc, i keep it for their home living exhibition crdmember benefits.
still thinking whether wana terminate or not.worth...or not...

jst for a little discussion

The cheapest platinum from DA requires an annual income of RM 60k.

Same goes to SCB Platinum

Any annual free?

DA doesn't impose annual fee officially. Don't talk about waiver later.

This post has been edited by David83: Feb 8 2010, 11:02 PM

Hm then it depends on you on whether you'd like to keep the card or not.
But if you seldom use the card, and you have other credit cards,
then I think it's a good idea to just cancel the cimb cc,

or cancel the other card and keep cimb cc, at least you still get the benefits
and saved by terminating other cards



Oic, then I think permanent credit limit increase can't be done through phone call, as the banks would need documentations.
Thanks for the info

by terminating now, you'll skip the RM50 for the current card
by applying next month, you'll be charge RM50 immediately once the application is approved

you figure it out urself

---

Added on February 8, 2010, 11:49 pmbtw, has anyone here receive the 8% rebate for PBB card for the month of December 09?

This post has been edited by alexwsk: Feb 8 2010, 11:49 PM

GREAT IDEA but won't work lah... the way to skip the RM50 is to get a debit card.

wat's the difference between credit card and charge card?

I think first year free only, subsequent need to call up. However I heard cases of SCB give direct credit between RM 100 to 200 for new card approval. Not sure how true it is though.

Direct Access is free for life credit card without any terms and conditions. You always can read from their website here

wow... ic ic... that's a very useful information.. thanks~~
will find maybank to explain abt this... they just simply issue me this visa gold petronas ...

if really wanna cancel should be no problem one la like u said...
but is there anyone here that experienced the same case as me?

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Is DA well accepted like both Visa & Mastercard? Or is it like AMEX? No experience with DA though.

As long as it's a Visa or Mastercard, it'll go through. It'll sure be better than AMEX.