Can ... via interbank or IBG funds transfer. In fact, you can execute the transfer from any banks.

Yeah ... are you sure you applied for RHB VISA Infinite? Last I know ... they only issue this card to PB customers.
RHB PB customers RM200K deposit only qualifies for complimentary Gold card and Platinum need RM500K deposit. Infinite ... well definitely need a lots of moolah and that why their CL starts @ RM200K.

You apply for RHB cc in Malaysia or in Singapore? (Guys ... Singapore got RHB bank also)

This post has been edited by hye: Jul 17 2010, 12:17 AM

Yes ... I agree with this statement. Get RM100K CL not enough ... so what is the statement trying to be broadcast here ?
"My spending is more than RM100K per month"?

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Added on July 17, 2010, 12:19 amYou can make payments either directly @ Citibank or interbank transfer facility.

This post has been edited by hye: Jul 17 2010, 12:19 AM

PremierMiles is actually one step above Citi Platinum card. It is the Signature series under VISA family
Here's the general hierarchy Classic -> Gold -> Platinum -> Signature -> Infinite

I think it depends on other banks CL/Card type policy. E.g You can't be using a Platinum to apply for another Platinum if your Platinum CL is just RM5K right?
Other banks will be able to see your CL and determine your eligibility.

This post has been edited by hye: Jul 18 2010, 07:59 PM

@tinkerbell

Haven't seen you around in this part for a very long time!

Should be able to but give it a try. Judging from your CL, it should be possible.
The final decision lies with Citibank's credit and risk control department in deciding whether you qualify for the card or not. Many other factors will be taken into account and not just your CL.

I am rather hesitant to give a definite answer as anything can happen and your application would not go through. Plus, it is not an entry level card where it is easier to predict as the decision mainly lies on your income.

I think the promise is made verbally to you by the agent as Citibank will never officially mention that their cards are free for life nor they have any Free For Life cards. If it is not in B&W then there is no such thing ... I often come across the agents saying this verbally (there's no B&W agreement right ?) to get customers to sign up. Only SCB provides B&W agreement at the point of application.

You may call in for the waiver but the waiver is not automatic and will be subjected to the bank's discretion.

Please skip the vulgarities in this thread nor it is tolerated, we are a bunch of well educated guys here. Even though you are upset, there are other words which you can use to express yourself. It is well known that HSBC is the toughest card to apply in town. If you are using a card which is more than 1 year old as reference would not guarantee you yet.

Even myself has been rejected by banks before ... it's normal so don't get upset.

This post has been edited by hye: Jul 22 2010, 03:10 PM

When banks reject you, they will not give you the reason. Nor are they compelled to send you a rejection notice.
If you call the CS (any banks) actually they can't see the reason for the rejection. On their screen would be "Application rejected" only. And you can't ask them to ask the credit control for the reason. Many can't understand this and always think CS don't want to tell them ... actually they really don't know !!

HSBC will reject you for a wide variety of reasons because they are strict ! This credit control practice is applicable to all banks.

Examples for rejection ... paying bills every month is not enough but is the payment on time and adequate to cover the 5% ?
Do you have any delinquencies in other banks ? Are you blacklisted in CCRIS or CTOS ? Are all your debts are paid on time ?

As you can see ... HSBC checks all these (and more). If you fail any then you will fail the application. Other banks may have lesser checks thus it is easier.

Risk Management
If they follow your request means that your debt to earning ratio is huge. (They can see this in their system as your info is shared across all banks) They are limiting the CL they give to you so that
- They still want your business. Give you a bit and maybe you will cancel the other cards.
- Your debt to income ratio is much more manageable.
- They don't expose themselves to NPL in the event you default on your cards. Proactive move ya ... they are not saying you are a bad person.

Agreed. Even if the statement that Citibank downgrades the status of this card was true, I'll still go for this card. Card design is one of the best in the market and if not the best. Caution on the VIP lounge because the access level is limited if you were to compare it to SCB's Infinite lounge access privilege. CS level would certainly be better than MBB anytime of the day.

I don't really blame the bank staff not knowing the product well coz sometimes (or often) the product is launched and the info to the CS is not done properly yet. Added to the complexity that Citibank has so many card variants.

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Added on July 23, 2010, 10:46 amI hate these complicated programs and added to the complexity is where there is a probability the rebate is not even going to be there after you qualify.

This post has been edited by hye: Jul 23 2010, 10:50 AM

If the merchant allows you to swipe for RM0.10, you may do so. Min swipe has nothing to do with the bank ... it is the merchant prerogative as with every transaction they need to pay fees to the bank. And if you got enough CL, the sky is the limit - if you want to buy a plane and Boeing allows you to swipe your card ... yes you can do so also.

Lowest interest rate ? All banks apply the same interest rate bro ... this is not like commercial loans where you can compare and go for the lowest.

HSBC World Premier MY privileges is unlike their counterparts in other countries.
In fact the MY privileges is about the same as the Platinum card. So why bother going for the premium card if the Platinum already suffice and not to mention the card design is wayyyy better.

Bro ... there's a simple rule when you are dealing with card agents. If the promise is not in writing then it is probably too good to be true. It is mentioned in here many times already.

Yes ... I'm surprised you are unaware of this as you have been a credit card user right ? The month that your card is approved ... it will be embossed on your card itself. It is very hard to miss this information.

I have the same situation as well but I know why.
I have several cards with SCB and the bank followed the anniversary month of the very 1st card I had with them. Over the years, I have changed cc products and although they are not applied in the same month of the 1st card ... all my cards with SCB use that month (1st card).

Well ... generally the cc anniversary should correspond with the expiry month of your cc. Only in few cases would it differ.

You can try ... but honestly who in this forum spend that much annually ?

This is not the place for you to look for agents nor agents are welcome to solicit here. Fastest to apply Ctibank card is go to the bank itself and you will get it in an hour or two.

Can .... if and only you are also closing your cc account. Otherwise they will forward the extra to next month.