Nobody can prevent you from doing so. If your record is good or you have a higher income, banks can definitely consider your request. Btw, CL increase topics mushroom all over this thread.

I have decided not to submit my application for this card. I read the T&Cs carefully, the campaign of RM50 cash back (service tax reimbursement) will run until 30-6-10. Anyway, I will forgo the Samsonite luggage.

The newly launched Citibank VS is not my cup of tea. And it doesn't fit my requirement either.

You will receive a Samsonite luggage if you are among the first 1000 Eon Bank Visa Signature cardholders who spend RM3k before 30-9-10.

Did you receive a letter from SCB recently? I received the letter stating they will give me free 11,000 points if I swipe my JustOne cc 3 times in June. While awaiting the free 11,000 points to be deposited into my account, I need to utilise my own 10,000 points first to redeem the RM50 service tax. In the end, I still get free 1,000 points.


Were you referring to JustOne cc or other cc or brand new cc? I don't think SCB would give this kind of offer to JustOne cc.

Rebates (fresh cash back) and free points are 2 different things. You meant SCB didn't offer you free 11,000 points (indirectly it is service tax reimbursement)? I thought this offer is given to all JustOne CCs which are due for renewal these 2 months.

We referred to SCB JustOne cc (limited edition; SCB stopped issuing this card end of last year) while you talked about other SCB cc. We are well aware that SCB gives cash as welcome gifts to new SCB cardholders.

You need to call their CS to clarify. EON Bank is trying to improve their service but is still not as efficient as other banks.

If you read the T&Cs carefully, the RM50 cash back campaign runs until end June 2010. Unless EON Bank extends this promotion, otherwise those apply for their newly launched Visa Signature and get the card after June will not be able to receive the RM50 cash back. Furthermore, the T&Cs also state that EON Bank has the right to claim back the RM50 cash back from you in the event that you have been given the RM50 cash but you would like to terminate your card within a year from the new card approval date. This implies that you have to fork out for the second year service tax.

I am also not surprised if SCB changes the T&Cs for JustOne card. In fact, SCB has reduced the interest rates of JustOne current account several times.

Besides, SCB may not gain much from JustOne cc as most of the JustOne cardholders could be those early birds with wise attitude.

HSBC will give you complimentary travel insurance only if you charge your air ticket to your HSBC cc.

If allowed, I wanna swipe all my purchases using cc without cash. I always pay <RM20 via cc, such as Guardians, Dome Cafe, Giant, Tesco, Starbucks, and many more.


The one issued by EON Bank is slightly better, but it is still not good enough as compared to other CCs offering bigger cash back and points.

Well, if your main concern is "reward points" only, Amex Gold cc so far gives the most points for local transactions. As for overseas transactions, Alliance Plat cc, CIMB World MC and Amex also give x2 points, while SCB VI and SCB Plat cc give x5 points and x3 points respectively.

And of course, other Plat CCs do sometimes give x2 points for overseas transactions, but it is always temporary in nature.

To be exact, it is Amex Gold cc.

Chase, I just wonder, what is the ratio of your CL given by HSBC as opposed to your pledged FD? Since you have done it before, you are the right people to enlighten people here. CL for secured cc varies and is always a debatable question, as secured cc is for those who cannot show proof of income or those do not meet the minimum income requirement.

One good thing about SCB cards is that, cash back is immediately given after the retail transaction is completed. You will be able to see the cash back amount online for every single transaction 1 or 2 days after the transaction date. Whereas other banks normally show a lump sum, and some even only show the bullet cash back amount when cash rebates have accumulated to a certain amount.

Platinum cards are too common now. And RM30k CL is too little now. Anyway under normal circumstances, very few people use up the entire RM30k CL per month.


3 times per year only.

This SCB Business Plat card has nothing to do with corporate card. In fact, it only prints your company name on the card but it serves like normal Plat card. It is even better than the conventional SCB Plat cc as it gives cash back on top of choice points. Therefore, this card is included in the giveaway promotion.

This post has been edited by winner: Jul 2 2010, 06:49 PM

For a freshie like you, success rate in getting CIMB/DA cc will be higher than MBB.

I tested charging a small amount on my SCB JustOne cc on Friday. And yes, SCB has reset the cash back and that transaction earned 5% cash back when I check my account online.

I will only use this card on Friday. Another RM600 rebate.