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.

If you show good paying records and spendings consistently for a few years, you should be able to upgrade to platinum.

Citibank min CL is just around RM25k.

It also depend on whether the card holder intends to upgrade.

Platinum card means u have to pay more annual fee

Got offer letter from HLB 2 weeks ago to upgrade my gold to platinum, with my credit limit being increased to RM65.5k, straight away i canceled my card. I think some banks are too desperate to get customer coz my annual income not even reach 80k and with RM65.5k credit limit, it's suicide.

Not really. Almost all Platinum cardholders are not paying any annual fee for the Platinum card(s) they are holding.

i second to that , i never paid for the annual fee except for AMEX PLAT CC but in the end i get more than what i paid for.

Nothing is so great about Platinum cards today!

Oh yes ... that I agree fully! No longer a big deal and it's just a method for the bank to

1. Charge more annual fee (if they do charge)
2. Customer retention and loyalty tool

Why do you keep arguing with me? I am VERY SURE what I told you is real. Tomorrow I am gonna scan my scan my statement and show you.


It is pointless to argue with that fellow, unless he is showing proof of his statement.


It should be RM20k only.

Good Morning!

Happy New Year to CC Thread...

its 1st day of working of 2010...

Its time to sit down and considering which card to cancel!

btw, DA i-plan still valid. its even lower its minimum amount to RM500... WTF... really desperated already!

They want cardholders to retain DA. No choice.

Seems like MBB is not as desperate as them. I shall cut all MBB CC and keep DA instead.

hi, can you provide the link please. the direct access i payplan i got was only until 31dec 2009-expired already.

oh yeah, happy birthday

just wanna check pre-approved cards means u don't need to activate it u can use d ?

Some do have genuine additional benefits right? Like MBB's (and few others) can help u get box seats at MPO a lil easier, among other things

Not necessarily. Check the envelope that you receive your cards ... it should contains some additional instructions.

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Added on January 4, 2010, 11:04 amGenerally Platinum cards comes with 'equivalent' priviledges. E.g. Yes, you can get MPO tickets but they are not your regular cheap tickets ... more like the suite tickets. Better to use cards that provide direct discounts that save your money.

This post has been edited by hye: Jan 4 2010, 11:04 AM

read thoroughly the t&c for this bt, i remember u must spend min RM300 per month or pay the interest 4 ur bt

The plan has been renewed and extended till 30 June 2010. The information is available at the DA mailer. There's no updated information at DA website.

jst a mini update of my past enquiry of installment payment of credit card debt.

my sister wrote in letter and request of balance isntallment payment without incurring any interest. jst after 2 days and got the call from mbb that the plan approved and able to repay in 3mths time. however, the usage will be ceased for 3mths during the repayment. the card will back to normal after payment done within 3mths

I wonder why DA customer service officer not taking any calls.

DA closed down already??????

infact one get more benefit for certain offers that is limited to Plat user only.

in the bank world, the bigger a person's bank acc is, the better the privileged/offer he gets.

Show banks the money, they will worship you