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Credit Card v9, RM50 GST dilemma
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MilesAndMore
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 Apr 12 2010, 11:05 PM
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Look at all my stars!!
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QUOTE(Lineage @ Apr 12 2010, 08:52 PM) Just rejected by HSBC today.. I have a difficulty to apply credit card..any agent here willing to help me on this? My basic is less than 1.5k but I got fixed allowance and the total is more than 1.5k..will bank accept this?  And I got an average 2.5k+ income monthly..  I thought you have given up and will now try to get a secured credit card instead ? |
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jonuslee
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Apr 12 2010, 11:11 PM
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Just want to ask. Normally a gold credit limit is how much?which bank offer the highest credit limit for gold card(for local bank and oversea bank respectively)?
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SUSDavid83
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Apr 12 2010, 11:22 PM
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QUOTE(jonuslee @ Apr 12 2010, 11:11 PM) Just want to ask. Normally a gold credit limit is how much?which bank offer the highest credit limit for gold card(for local bank and oversea bank respectively)? Limit is very subjective and depends on your drawing salary. DA offers a quite high limit. |
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jonuslee
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Apr 12 2010, 11:27 PM
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QUOTE(David83 @ Apr 12 2010, 11:22 PM) Limit is very subjective and depends on your drawing salary. DA offers a quite high limit. icic. In general, what is the minimum credit limit for a gold car holder? |
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SUSDavid83
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Apr 12 2010, 11:29 PM
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QUOTE(jonuslee @ Apr 12 2010, 11:27 PM) icic. In general, what is the minimum credit limit for a gold car holder? You cannot view in such way. Classic card limit can be higher than a gold card. Gold card issued by MBB does not have a very high limit too. My Ikhwan AMEX is a gold cold but only comes with RM 5k limit. |
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jonuslee
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Apr 12 2010, 11:33 PM
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QUOTE(David83 @ Apr 12 2010, 11:29 PM) You cannot view in such way. Classic card limit can be higher than a gold card. Gold card issued by MBB does not have a very high limit too. My Ikhwan AMEX is a gold cold but only comes with RM 5k limit. icic. So it is depend on your salary right?what is the privilege of gold card over classic card since some gold card limit is lower than classic? |
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Seng_Kiat
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Apr 12 2010, 11:42 PM
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guys,
do you think a good move if I balance transfer my 3 cc to eon cc? it has 48 months with one time interest, 18.99% which equal to 4.5% p.a. I have no dicipline in clear my cc 1 by 1 .. haha .. tried a few times but failed ..
I think, use that BT and close all the other 3 cards .. or do you have any other suggestion?
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SUSDavid83
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Apr 12 2010, 11:45 PM
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QUOTE(jonuslee @ Apr 12 2010, 11:33 PM) icic. So it is depend on your salary right?what is the privilege of gold card over classic card since some gold card limit is lower than classic? The only difference I could notice is during travel. Gold card offers certain luggage insurance thing. For me, there's no huge difference between them. Privileges are more well defined in Platinum card category but normal consumer won't be really utilizing them. Gold card is pretty common now and some bank does not even offer classic/silver card; for instance, CIMB DA. |
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jonuslee
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Apr 12 2010, 11:51 PM
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QUOTE(David83 @ Apr 12 2010, 11:45 PM) The only difference I could notice is during travel. Gold card offers certain luggage insurance thing. For me, there's no huge difference between them. Privileges are more well defined in Platinum card category but normal consumer won't be really utilizing them. Gold card is pretty common now and some bank does not even offer classic/silver card; for instance, CIMB DA. oh. what is the requirement to apply the cimb DA? minimum salary is how much? i want to apply higher credit limit CC.
Added on April 13, 2010, 12:06 amQUOTE(David83 @ Apr 12 2010, 11:45 PM) The only difference I could notice is during travel. Gold card offers certain luggage insurance thing. For me, there's no huge difference between them. Privileges are more well defined in Platinum card category but normal consumer won't be really utilizing them. Gold card is pretty common now and some bank does not even offer classic/silver card; for instance, CIMB DA. oh. what is the requirement to apply the cimb DA? minimum salary is how much? i want to apply higher credit limit CC. This post has been edited by jonuslee: Apr 13 2010, 12:06 AM |
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SUSDavid83
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Apr 13 2010, 12:07 AM
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QUOTE(jonuslee @ Apr 12 2010, 11:51 PM) oh. what is the requirement to apply the cimb DA? minimum salary is how much? i want to apply higher credit limit CC. RM24,000 per annum Degree holder URL: http://www.directaccess.com.my/index.php?c...c=2&tpt=cimb_da |
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roy918
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Apr 13 2010, 12:09 AM
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QUOTE(Seng_Kiat @ Apr 12 2010, 11:42 PM) guys, do you think a good move if I balance transfer my 3 cc to eon cc? it has 48 months with one time interest, 18.99% which equal to 4.5% p.a. I have no dicipline in clear my cc 1 by 1 .. haha .. tried a few times but failed .. I think, use that BT and close all the other 3 cards .. or do you have any other suggestion? Your question has been answered in last few pages. If you were to console yourself by comparing 4.5% to 18%, then you will be paying the price. There is no other way to help you if you can't help yourself. Ever wondering why some people has no problem owning more than 4 credit cards but you did? |
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ghoss
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Apr 13 2010, 12:13 AM
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I got a question regarding installment payment . If I buy something 2k with 200 monthly installment and my credit limit is 5k My current credit limit is 3k or 4800 ?  |
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Lineage
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Apr 13 2010, 12:14 AM
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QUOTE(eddievh @ Apr 12 2010, 09:46 PM) Chosse less popular bank first la like Affin,cimb,alliance or hlb. You straight away choose elite bank like HSBC QUOTE(ghoss @ Apr 12 2010, 10:14 PM) CIMB , I got mine there as first time applicant. Don't try Oversea banks ( HSBC / UOB / Standard Charted / OCBC ) + Maybank Those bank are very hard to approve. QUOTE(hye @ Apr 12 2010, 10:38 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. Thanks for you all advice..now I'm going to try RHB, Publlic Bank, CIMB, Alliance and Ambank..  |
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ghoss
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Apr 13 2010, 12:26 AM
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Another thing is I would like to request PIN from CIMB for my credit card ,
Can I post it in Pos Laju instead of the normal reply form ??
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SUSDavid83
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Apr 13 2010, 12:38 AM
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QUOTE(ghoss @ Apr 13 2010, 12:26 AM) Another thing is I would like to request PIN from CIMB for my credit card , Can I post it in Pos Laju instead of the normal reply form ?? Why not? You're paying for it. |
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ghoss
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Apr 13 2010, 12:51 AM
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QUOTE(David83 @ Apr 13 2010, 12:38 AM) Why not? You're paying for it. Thanks ~~ Anyone can answer my installment question ?? » Click to show Spoiler - click again to hide... «
If I buy something 2k with 200 monthly installment
and my credit limit is 5k
My current credit limit is 3k or 4800 ?
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Lineage
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Apr 13 2010, 12:52 AM
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QUOTE(ghoss @ Apr 13 2010, 12:51 AM) Thanks ~~ Anyone can answer my installment question ?? » Click to show Spoiler - click again to hide... «
If I buy something 2k with 200 monthly installment
and my credit limit is 5k
My current credit limit is 3k or 4800 ?
is 3k..then after you pay for the first month..it will increase to 3.2k |
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ghoss
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Apr 13 2010, 12:53 AM
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QUOTE(Lineage @ Apr 13 2010, 12:52 AM) is 3k..then after you pay for the first month..it will increase to 3.2k Thanks ~~ So if the monthly is 200x24 = 4800 ? Then my credit left 200 ? |
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Lineage
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Apr 13 2010, 12:53 AM
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QUOTE(ghoss @ Apr 13 2010, 12:53 AM) Thanks ~~ So if the monthly is 200x24 = 4800 ? Then my credit left 200 ? Yes |
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ghoss
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Apr 13 2010, 12:55 AM
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Deng...last thing , Can I use my credit to near limit ??  And what's the max I can cash advance from my credit limit ? 50% ? |
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