But Maybank does state clearly what kind of documents they want if you're a foreigner right ? Do check again. Basically the documents needed are more or less the same as Malaysian applicants. You just need to provide another supporting document from your employer and any relevant documents if you're just a contract worker. If you do this in USA or Singapore, they will request for the same documents too. I think it is pretty understandable because since you're a foreigner, it would be hard for the bank to track you down if you just take off without paying any of your credit card bills. Interpol can't help them on credit card defaults.

This post has been edited by MilesAndMore: Jul 28 2010, 10:45 PM

But you still can use their credit card here. Credit card agents from Citibank are pretty much everywhere in the shopping malls.

Yes. It is true that in the US, you do not need to submit any documentations at all when applying for a credit card. This is because when you sign the application form, you consent them to check your credit history at the credit bureaus and your present and past employment details.

Anyway, do you have a SSN ? All the banks in America require you to enter your SSN so they can check everything about you or else there is no chance of your credit card application to be approved at all. You must also have a prior credit history in US.


Spending years in the country doesn't make you a creditable person. Not in Malaysia and not in USA. For Malaysian applicants, they will definitely look into your banking history but you will first have to meet the minimum salary as required by the bank. You see ? It is not that much difference for Malaysians too.


The B!tch, or whatever you like to call her is just a worker and she simply told you the requirements set by Citibank Malaysia. She is in no authority to alter the rules.



Normally they will not call you when your application has been rejected. And it usually takes 2 - 3 weeks for HSBC to review your card application.


No. I am however not sure it is the same with HSBC Amanah. No harm trying though.

This post has been edited by MilesAndMore: Aug 2 2010, 12:22 PM

No. One still can cancel the card even if he/she still has outstanding on the card. He/she just has to pay all the outstanding in lump sum.


What are you talking about ? The current RM50 we are now paying is going to LHDN (aka government). The bank is just the middle man.

Local banks aim for the mass banking market while foreign banks with significant market share aim mostly at those high income earners. This scenario is not only unique in Malaysia but also in many other countries.


But still, many of the expatriates living in those areas are high income earners.

RM50 only. For supplementary card it is RM25 per supplementary card. If you have not sub your credit card to anyone then you'd have to pay only RM50. Don't have to worry about the annual fee as i am sure it'll be quite easy to get it waived (assume yours is not a free for life one).

You don't have to request for it. When you get the US worker VISA, you'll also be issued a SSN.

Another possible way to obtain a SSN is to invest in USA. SSN can also be issued to non-resident aliens but you must have a good reason why do you need a SSN.

I guess it differs on case by case basis. For someone that i know, it just so happens that UOB Bank has been the most generous bank to him to date. He started using a classic UOB Bank MasterCard in the late 90s and the credit line was only a few thousands Ringgit. Then the card was upgraded to a Gold card a few years later and UOB bank had also increase his credit line a few times. Just a few months ago, he received a new Preferred Platinum MasterCard and it comes with RM30k credit line. This is like 14x his monthly gross salary !!! But then, he never defaulted on his payment.

Public Bank Classic and Gold cards now spark a new design. Somehow the Classic cards look more like a Platinum card than the actual Platinum card

No. Most credit card users do not pay all of their outstanding in a lump sum every month the statement comes. So basically it means anyone that pays in full every month, there is one less customer they have to worry about the possibility of their customers defaulting their payments.

Anyway, it is totally unnecessary to make the payment in the next few days right after you charged something into the card. Just make sure you pay before the due date and you won't be slapped with any interest at all.



If you request for higher credit line, you'll have to submit your proof of income. It is completely up to the bank whether or not they are comfortable to increase your credit line.


No. The bank already earn a small commission from the retailer everything you use your card. In the United States, the commission earned is divided by three parties. The three parties are :
- the card issuing bank
- VISA International/MasterCard Worldwide/American Express
- the bank that process the payment (meaning the bank that owns the card processing terminal the retailer is using)

Not exactly sure how the commission is divided in Malaysia by i'd imagine it is more or less the same.

No. As i told you earlier, the bank is the middle man. They are collecting the RM50 on the government's behalf. So it means you will only have to pay RM50 for each principal credit card you hold from each bank.

No. As long as you find out your card has been compromised, inform your bank immediately. BNM clearly states that the card holder is liable up to a maximum of RM250 of fraudulent charges only.


No. That doesn't make you a bad credit card user.

There is actually and your bank normally won't tell you this. I forgot where it is already. Anyway, this was discussed here quite a few times already. Just not so long ago there was a lady who won the court case against a prominent bank in Malaysia and the judge ruled that she has to pay the bank only RM250.

niel doesn't want the Premier MasterCard. He just wants a regular credit card but HSBC declined that request.


What was the conventional credit card that you requested ? The VISA Platinum ? Because someone i know told his relationship manager that he doesn't want the Premier MasterCard and told HSBC to give him the VISA Platinum instead. His request was rejected too.


The HSBC Premier sticker allows them to park their cars for free in certain HSBC branches.

This post has been edited by MilesAndMore: Aug 4 2010, 11:02 PM

No. No problem.

By the way, as for the card replacement fee. You can request them to waive it.

This post has been edited by MilesAndMore: Aug 5 2010, 12:36 AM

Yes. And the bad news is that your application has been rejected.

- Citibank
- Maybank
- Alliance Bank
- Standard Chartered (Priority Banking VISA Infinite only)
- American Express

Based on VISA International rate.

Yes. 1%.

Go for a local bank's credit card. For instance, Maybank or CIMB Bank. CIMB Bank particularly has tons of promotion year-round. Get the CIMB Petronas MasterCard. This way you'll get 2% rebate on Petronas petrol purchases and 0.5% on all other transactions. This card will also entitle you to all the ongoing discounts.