actually nowadays banks had made platinum not so exclusive as it was. last time when i got my plats , i tot its a status recognition ... then i realised banks started to offer plats to any1 whose capability is not thr , i cancel all my plats n change to other cards which offer better rebates.

last time i might forgo the rebates to use my plats coz its better when doing business n shop in certain place ... after the banks did these stupid move , i changed all to enjoy rebates , since im not getting any status recognition , no reason for me to forgo these benefits.

now , whenever i saw these fresh grads who looks lansi with their plats , i lol at them. they tot they r professional n got plat with limit ard 10k is very high class , 

now unless u get a visa infinite or world mastercard , other cc to me is the same , no status recognition anymore. imagine i know a person with annual income 24k got gold card  with a limit of 3k 

High CL does not mean you have a very low debt level. Likewise for low CL .... doesn't mean that you have no or low debt.
It depends on an individual's spending and payment discipline.

I seriously disagree on the notion that high CL means you have high risk to be in debt.

Congratulations. You are lucky as you received your card just before 2010. Citibank is efficient.

Congratulations. You are lucky as you received your card just before 2010. Citibank is efficient.

For World and Visa Infinite Series , you will need at least 50k for SCB VI ( but it's only for their PB customers now ) , for CIMB VI and WMC you need at least 100k CL to apply. MBF and RHB is by invitation only. 

No, not that one. The one which provides limited liability in case you lose your credit card and make a report before unauthorized use.

I'm worried about that because I use my card on the Internet a lot and there's been 2 cases of unauthorized use, and my cards were changed twice already. Luckily, I didn't incur any losses because HSBC confirmed them as fraudulent use. But now that I'm also given high CL for my CIMB, I'm worried that they may not be as nice.

So is it necessary to get such insurance?

What I'm confused about is doesn't BNM fix our liability at RM250 for fraud? If that's the case, then why would anyone want to buy this insurance?

you sure boh? go back to V8 and do a search, Citibank may make you responsible for these charges.
yes you are right in a way where for fraud cases your liability is up to RM250 but BN does nothing, in V8, it was mentioned that person went to court and the judge fixed the liabilty at RM250.

Both if you should go to V8 and read more on this.

Today I also received CIMB letter stated my CL has been increased by 50%. The platinum card also appear in my online account.
CIMB seems desperate... 

Actually what is the main benefit of having platinum card?
If not significant one, I will keep my gold since the CL is the same as platinum.

To waive RM50 gov tax, I think the cheapest option available now is Amex Gold CC, just need to spend RM2k on petrol and groceries OR spend RM5k on other purchases to get 10k MR points.
Hope other banks will offer better card next year that gives more rebates... also hope SCB will reinstate JustOne and lower annual income requirements from previous 40k to 30k so I'm eligible to apply

Most Plat CCs issued by banks in Malaysia allow you to enter KLIA Plaza Premium Lounge only. Some banks even limit the number of entries to KLIA Plaza Premium Lounge. Therefore, Plat CCs don't give much priviledge for access to airport lounges unless you own cards like Amex Plat charge card or SCB VI giving you unlimited access to airport lounges worldwide.

I used my DA for roughly 2 years.

CL increased to RM 18k from RM 10k.

Now is being offered with Platinum Card but still waiting the card to arrived.

CIMB send me a letter regarding to the CIMB Touch and Go credit card, I don't plan to take it anymore as have to pay RM50 service charge, when I open the letter, the letter already charge me RM10 for the Touch n Go activation fees -__-"

anyway, CIMB has yet to call me, shall I ignore the letter? assume like I didnt receive it

or shall I go to bank with the letter, and ask for credit card cancellation?

they will charge me the RM10 right?

To get higher credit limit, the bank need your income statement to support it, right ?

You can get DA Platinum with salary of RM80k per annum.

is there a trend that credit card limits have been increased lately? Most of my friends say so....

I am not a big spender with the credit card, do u think it is safer to lower the credit card limit or leave it as it is - which is rm9k?