DESPERADO bank!

lol, becareful to set ur limit of spending though since u might spend more now that CL has increased?

another thing is when card is lost and not reported, the thief will have spending spree and u have to pay for it!

bewarn!!!

HSBC is quite strict but no harm to give it a try.

Btw, it could be much easier if you apply from the DESPERADO bank - CIMB now.

Since you are a fresh grad, go talk to your bank and ask about grad pack. You will get your credit card easier and a no-fees account.

Haha so I heard... hmmm CIMB I might but maybe not quite yet. Just planning to have one card for the moment just thought I'd try HSBC first.

Hmmm does HSBC have some sort of grad pack?

Yes, it is called power vantage grad pack. I heard with this package you just need to show them your offer letter with salary stated. You can apply for this package within 4 yrs of graduating.

Finally, I get my Citibank Platinum CC approved and my CL increased to 28k.

Now I join you as plat card holder..

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

Yes, I like Citibank phone customer service.
Seldom you have to wait long, and the officer is professional and helpful.
I am quite satisfy with their service.

Now what, how to apply world card and infinity?

Anyone get it already?

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Added on December 29, 2009, 8:24 pmYes, I like Citibank phone customer service.
Seldom you have to wait long, and the officer is professional and helpful.
I am quite satisfy with their service.

Now what, how to apply world card and infinity?

Anyone get it already?

This post has been edited by epalbee3: Dec 29 2009, 08:24 PM

Many banks increasing CL of their cardholders. So far UOB, Citibank and HLB have increased my credit limit this month.

Anyway, in your letter stating increase in CL for your HLB, did the same said letter mentioned that if you are the first to swipe RM15K you win a Rolex watch and first 50 cardmembers to swipe RM2,000 get 20,000 points?

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.

Do you guys buy any credit card insurance like HSBC's Card Protection Plus, especially those with high CL?

Frankly I'm very sick of this kind of contest , spend the most, be the 1st or x-th & blah, blah.... Why don't they directly rebate as we spend?

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Added on December 29, 2009, 9:30 pmSo far have not entertain any of those schemes. Most of the time I fully settle monthly expenses so I do not see the benefits. On top of that my risk exposure is pretty low.

This post has been edited by patricktoh: Dec 29 2009, 09:30 PM

Any insurance for Citibank to prevent fraud?

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Added on December 29, 2009, 9:52 pmFrom what I know, Citibank does not offer Visa Infinite or Mastercard WorldCard.

Thus platinum is the highest standard available.

From now on, I can access to KLIA lounge and get free travel insurance.
Also, I will have access to platinum line.

This post has been edited by epalbee3: Dec 29 2009, 09:52 PM

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?

The problem is: whether there is such an insurance?

http://www.hsbc.com.my/1/2/personal-bankin...protection-plus

It is a good scheme, however, i think for my Citibank Plat, if police report is made, everything should be covered.

Only RM440/card, is this worth?

It is not covered by any credit card but bank shouldn't allow transaction to go thru AFTER reporting.
What you need is to cover fraud usage BEFORE loss reporting. If there is fraud usage after loss reporting, then it is bank problem that allow such transaction to go thru. The coverage of RM440 (per card) is likes peanut for credit limit of few thousand. BS insurance i would say

This post has been edited by roy918: Dec 29 2009, 10:20 PM

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?