Thank you @David83 ...

You sounded as if you have doubts in what we are saying. You could have been lucky because the people cancelling their cards during that period is many times more than people applying, so the banks could have relaxed some of their conditions temporarily. They can do it @ any time without informing the public nor this is something regulated ... it is up to the bank.

On the same note, we did not mention that this (application cooling off period) is well acknowledged by the bank and the timeframe is only a general guideline. Why don't you try doing this to the likes of Citibank, HSBC, SCB, MBB, CIMB ... basically bigger names in CC and tell us whether your experience (or their treatment) will be the same ?

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Added on April 8, 2010, 2:25 pmDon't get too excited about the no interest. I can assure you it is temporary.
Ikhwan card practice a non-compounding interest system. It is not the same as no interest.

This post has been edited by hye: Apr 8 2010, 02:45 PM

It is encoded in your 16 digit card number. There's a different combo for principal and supplementary. The moment your card is verified through the machine - they'll know it.

For Citibank Plat, it is 20% off the charges @ LCCT Premium lounge.

Yup ... this is correct. Verification is just one of the process. In fact, if the bank does not call it does not mean you failed in your application too.

Agree to what the folks here are saying. If you use it then OK ... otherwise it is just a piece of plastic. And it is an excuse for the bank to charge you more AF. I just can't understand the fascination with Gold and Plat cards.

Back then we had to EARN it, PERIOD. No such thing as asking/demanding the bank to upgrade the existing card. Now ... everyone can get a Plat/Gold card. So ... does the value / prestige really exist if everyone carries one ?

This post has been edited by hye: Apr 11 2010, 02:24 PM

Bro ... warned you before. Even if you tried with an agent, approval chances would not get better. Agents just fill in the form and act as a marketing staff for the bank. The party who approves your card is another group - you can't get hold of them.
Try with a lesser bank ... that's the best advice. Continue applying with 'elite' banks will not get you anywhere.

To simplify the answer ... if today's forex rate is 3.25. You need to roughly calculate based on 3.35-3.38.
The rate are calculated based on VISA/MC rate on the day the transaction is posted. (Plus the bank's admin fee)
So if you need a definite answer ... try calling VISA/MC international - good luck in trying. You can call the bank and they will tell you the same thing.

Bro ... if you are so worried, I would suggest you to buy something cheap off the net and check your statement after that. The personal experience will tell you the answer that you want on its own since you don't understand our explanation.

Correction ... it is the customer that chooses to fall into the trap. Banks are commercial entities who wants to make money and they are not charities.
You know that chilies are hot but yet you eat them. You want to blame the chili for being hot or yourself for eating it ? Get the equation right bro.

Just look at the amount of 'undesirable' inquiries that we have in this forum alone for BT, cash advance, EZPayments, high CL, upgrade CL, etc .... it's inevitable that consumers fall into the debt trap.

This post has been edited by hye: Apr 13 2010, 04:08 PM

@Syd G. Perhaps you got lucky. I read somewhere, there's a few days of grace after the due date where you won't get hit by the penalty.

Still ... let's not do it again. I know I'll get upset too with the penalties.

Simple ... no B&W, they can say anything. As far as I know HSBC got no such thing as 'guaranteed' (using DA as the benchmark) Free For Life - if got means, you need to call in every year.

You asking about debit card in a credit card forum ? Please refer to the correct thread.

Processing time depends on the bank. Hard to say how fast coz it depends on your luck - if you are looking for a firm answer, you'll be hard pressed.
Normally the processing time will be stated in the T&C.

Bank statement won't show you that. The purpose of the bank statement is to show
1. You have some 'healthy savings'. If you deposit RM1K and withdraw RM1k the next week, that is not healthy. Possibly if you have RM8-9K consistently, bank may consider a CL of between RM3-5K.
2. Your salary does goes to the account that you say it goes to. And it shows the amount as what you claim it to be in your payslip.

Debts / Inconsistent payment schedule are shown via the CCRIS system. (Maintained by BNM)
Bad debts / blacklisted are shown via the CTOS system. (3rd party system provided by a private entity)
We talked about this is a couple of threads before - search don't be lazy if you want to know.

No debts means no history .... depends on how the bank see it. But they are not that stupid to risk you as 'high' just because you don't have debts. Likely you'll get low CL for starters ... that's all.

One thing unique about SCB ... they will list their existing promo on a piece of paper which you have to sign.
If they can't produce this paper then it doesn't exist. Simple as that.

Most banks would not show their cc promos on the website. I'm not surprised.

No. Don't waste your time. Citibank and even other banks don't play this counteroffer game. Bro ... what are you thinking ?????

Up to you if you still want to do it. 'Offers' are not necessarily genuine ... just came back from PC Fair, plenty of 'offers'. Some followed me for 50 meters asking me to sign up - free gifts kept on increasing some more.
You can try there since you like opportunities to squeeze the bank. Don't say I didn't warn ya if something goes wrong with your application.

Never heard of it before. Do you mind posting more details about whatever that you want info about ?

I assume you are using MBB credit card (VISA/MC) and not MBB AMEX cc. You don't need to do a card change since it works elsewhere. Likely to be a merchant problem. Did you also try to swipe it @ the counter ? (That's a sure fire way for the card to work)

If you don't believe what we say about HSBC ... you can try it yourself and tell us.
Min CL to get World Card is RM100K. (Non negotiable)