ok2..tq bro

i think theoretically we can pay any amount below rm50, but ofcourse certain shop set minimum of say rm30 or rm50, for payment with cc.. (but i think that restriction is illegal.. someday i hope someone would initiate class action suit against such traders)

one fine example is self service petrol station, 1 ringgit also can.. hehe...

Indeed it is. Unfortunately i do not see an end to this anytime soon as this too, is a common practice in certain parts of the well-developed Western Europe

This post has been edited by MilesAndMore: Jun 18 2010, 12:39 AM

Just receive an SMS from Citibank promoting the Cash Back Platinum card..FREE Echolac Travel Bag worth RM399.

Would I get the RM60 rebate if I sign up thru SMS offers ?

[quote=MilesAndMore,Jun 18 2010, 12:06 AM]
Just exactly When and where did you see me saying the starting credit line for the Standard Chartered Bank Priority Banking VISA Infinite is RM1000 ????? Please re-read the posts before you start flexing your muscles. And one more thing, your immediate family member has the SCB PB VI but there too are actual SCB PB VI cardholders posting in this very thread !
Mind you the credit limit of Standard Chartered Priority Banking VISA Infinite, which is a class higher than EON Bank VISA Signature also starts around that figures.
[/quote]

You sure SCB VI giving such low CL? I doubt so as their VI customers had a chunk of money with their Priority Banking account.
[/quote]

110% yes ! I couldn't be any more confident ! Even HSBC Premier MasterCard credit limit starts around that figures. There are a few Standard Chartered Bank Priority Banking customers lurking around in this very thread. Who knows better than the actual cardholder eh ? [/quote]

[/quote]

Then what you mean on around that 'figures' if it is not RM 1k CL ???

As I know our member Winner has the SCB VI before but he already cancelled it. Or perhaps you can direct us to the post the particular member mentioned about this.

Anyhow even if it is RM 3k CL I mentioned much earlier, it still does not make sense. You need a deposit or investment worth RM 200k & above to be SCB PB. Although this is not much to some but it is definitely much more than a fresh graduate accounts who only has a few thousands in the account but still getting the same region of RM 2k to 5k CL. As I said before unless it is requested by the customer themselves, otherwise I am pretty sure this won't happen. SCB PB won't take such a risk to offend their customer for offering such ridiculous CL, although exceptional to some particular members here who prefer low CL. Since I am going SCB PB today, so I will further verify this.

I have this problem too, you are not alone.

---

Added on June 18, 2010, 8:34 amI think you better correct your mentality about cc. You kept on equating it to stacking debt.

This post has been edited by hye: Jun 18 2010, 08:34 AM

Erm .. yeah ! Isn't that obvious enough ? See the reply below :
Get it now ? RM40,000 is the one i was referring to all this while.



Yes. He had. But some other people have it too. The post is here somewhere and you can dig it out yourself if you want to.



That's wrong ! You now need a minimum of RM250,000 of deposit/investment to become a Standard Chartered Bank Priority Banking customer.

The starting credit limit for the SCB PB VI is definitely somewhere around RM40,000 (just a tiny bit more actually). So is the HSBC Premier MasterCard.


OH MY GOD ! Why are you still not getting it ? Why you kept mentioning Standard Chartered Bank ? The RM1000 credit line given to a Platinum card has absolutely nothing to do with Standard Chartered Bank. Refer below :

[quote=MilesAndMore,Jun 18 2010, 09:10 AM]
Erm .. yeah ! Isn't that obvious enough ? See the reply below :

Mind you the credit limit of Standard Chartered Priority Banking VISA Infinite, which is a class higher than EON Bank VISA Signature also starts around that figures.
[/quote]
Get it now ? RM40,000 is the one i was referring to all this while.
Yes. He had. But some other people have it too. The post is here somewhere and you can dig it out yourself if you want to.
That's wrong ! You now need a minimum of RM250,000 of deposit/investment to become a Standard Chartered Bank Priority Banking customer.

The starting credit limit for the SCB PB VI is definitely somewhere around RM40,000 (just a tiny bit more actually). So is the HSBC Premier MasterCard.
OH MY GOD ! Why are you still not getting it ? Why you kept mentioning Standard Chartered Bank ? The RM1000 credit line given to a Platinum card has absolutely nothing to do with Standard Chartered Bank. Refer below :

[/quote]

SCB PB needs to maintain only RM 200k in the account, please refer to this link http://www.standardchartered.com.my/cb/pb/prioritytoday.html

We were discussing all the while at RM 1k to 3k CL right after the RM 40k post, logically if it is RM 40k CL then of course I don't think I will be posting all the previous replies here. If I truly misunderstood your statement then it is my bad.

For the RM 1000 CL, it is not even worth mentioning at all because we were all discussing about the CL given by the banks itself, not a decreased CL requested by the customer.

And lastly, why being so worked up on a mere discussion?

This post has been edited by deeplyheartbroken: Jun 18 2010, 09:23 AM

Relax guys ... let's not turn this thread in the wrong way. We have actually discusses complimentary cards CL some time back and please ... the information comes from reliable sources and not ... "Oh my friend say ... " or "I heard that ... " kind of information.

Yes ... I can affirm that SCB PB VI cc CL starts around RM30K-40K. HSBC Premier starts @ RM30K. You may argue you put in lots of money into the bank but I can assure you that the bank will say that the CL is not given on a 1-1 basis. (yr money <-> CL) Actually the CL is very pathetic. Now ... RHB does issue the VI but you need to have RM1 million is deposit. Don't believe me ... go to the branch and open a PB account with RM200K. The complimentary card issued is a Gold card! (although you deposit RM200K)

Anyone can call all the banks in Malaysia (foreign and local) and ask their PB section what sort of CL do they give to their PB customers. And I will tell you get ready to be surprised.

Confirm ... SCB PB requires RM250K and not a single cent less. Anyone who felt it is RM200K, please go to the bank with RM200K and do belanja us if you could open a PB account with RM200K in SCB.

Now as per the argument about RM1K for Platinum card. Yes ... it can be done and in fact I have lowered my CL to RM3K for a Plat card before. I did ask about the lowest limit and it is RM1K. Normally this is done @ the request of the card holder - banks won't be that low to issue you such a low CL to their Plat range. The lower entry for a Plat card is another story altogether ... still if you just meeting the requirement, I don't see how possibly the CL can be lower than RM5-6K.

It's a trade off between perceived "status" and CL. If your income level is not that high, don't you think banks will be vary to grant you a high CL? We went through this discussion on this balance between CL, card status, and income level repeatedly. Many want high CL not realizing the potential danger of high CL if personal discipline in using credit card does not exist.

You know I risk of being flamed ... but credit card is a powerful financial tool if used wisely. I have great concerns about the maturity of cc users if they kept on asking about getting high CL, upgrades Gold-> Platinum, EZ payments and of course someone remarked about it being a debt stacker . Consumers need to understand how to use cc and use it wisely.

This post has been edited by hye: Jun 18 2010, 09:43 AM

Dude, the requirement has changed. And the webpage you quoted is the old one. It doesn't hurt to listen, does it ?



However, the post you first quoted me was replied to Centurion Lee's post about the starting credit limit for the newly launched EON Bank VISA Signature is only RM40,000. And if you refer to one of the quotes i posted in my previous replies and actually read it and try to understand it, you would have known that i was referring to RM40,000 all this while !



You sure did !



First of all, the credit limit of RM1000 - RM3000 which was discussed here yesterday was specifically referring to a Platinum card of which the bank's name was not mentioned then. Besides, it was never said that we were on discussion strictly about credit limit given by the bank itself and not the one requested by the cardholder.

How do you think we all know about the RM1000 CL given to a Platinum card then ? Because we were all talking about the credit card credit limit.


Everything is written clearly. Why are we not on the same page is simply beyond me. You kept on and on about this RM1000 despite all quotes i posted in my two previous replies specifically directed to you. This confusion shouldn't even happen in the first place if you read all posts clearly before hitting the reply button. Of course people will get frustrated after a while. Why is that so hard for you to understand ?

This post has been edited by MilesAndMore: Jun 18 2010, 09:47 AM

@hye, did you get yours rectified in the end?
I've emailed SCB through online banking, lets see how long they'll take to rectify this

Honestly, I didn't do anything. I had made calls to their CS a few times before and they were giving out unclear answers about the rebate.
I didn't want to waste my time making phone calls and not getting any result. It's very confusing actually ... CS said I can start using my card in June and that's when the rebate resets but my card anniversary is in October. I already tested it with 2 small transactions and no rebate applied.

Anyway ... I think my Citibank's Cash Back card is coming in soon I think ... an alternative solution.

Just called the hotline, old customer still allowed to retain minimum RM 200k for SCB PB. And yes the website was outdated.

Regarding the CL, we were all talking RM 1k to 3k CL back then. What you mean I don't listen & hard to understand? The moment I said the RM 1k CL previously, you should have known the matter it is not about the RM 40k CL that I mentioned it is so low.

You can easily point out the mistake back then & you got frustrated instead then kept arguing like you want to prove you are winning?
You refer to RM 40k CL & I refer to between RM 1k to 3K CL, now we know there is a miscommunication & I admitted it is my bad if I misunderstood about it, end of story.


Seriously this just a discussion thread, no use being so worked up & it only shows your immaturity & attitude problem.

This post has been edited by deeplyheartbroken: Jun 18 2010, 10:24 AM

, my case is even more confusing then, as ur card has not reach its anni yet

i received waiver of annual fees in March 10 (as the date printed on the card is 03/11 - same as my other SCB cards previously) but my GST was charged in June 10 (coz I actually received the card in June 2009), so that means my card's anni is in June - this month

so if they know when to charge the GST, they shud know when to reset the rebates as well

anyway, SCB has replied that they will look into the matter and get back to me within a few days

This post has been edited by alexwsk: Jun 18 2010, 10:37 AM

not sure i can post my question here or not...
first i have a public bank platinum credit card, and if i made a rm5000 payment (example) in a shop that not provide any installment plans.

1.could i make the rm5000 payment into installment myself ?

2.izzit Public Bank FlexiPay ?

3.just call PB Credit Card service center to apply the FlexiPay installment myself after make the rm5000 payment ?

PB FlexiPay installment interest rate that stated on website
4.let say i would like to make the rm5000 payment into 12 month installment plan... so it should be like this ?

RM 5,000 + (RM 5,000 * 3% interest) / 12 months

RM 5,150 / 12 months = RM 429.15 Per Month i should pay ?

This post has been edited by Hinika: Jun 18 2010, 12:15 PM

Yes ... that should be about right.
Do note that you need to be careful about how your manage your monthly cc payments. If you don't pay in full every month then problems will slowly materialize. Read up our previous discussion on the payment priorities that bank practices on cc payments.

I've repeatedly pointing out that i was referring to RM40,000 but somehow you do not understand and refuse to listen ! It almost appeared to me you have problem reading English.


Despite numerous attempts trying to point out that you have misunderstood all this while and instead of reading all the posts clearly, you just kept on and on about something which absolutely has nothing to do with Standard Chartered Bank in the first place. Not even words in bold can make you understand. Moreover, i did ask you where did you see me saying the starting credit line of SCB PA VI is RM1000. A question completely ignored by you.

It's not to prove that i am winning. It is to prove what is right and to make a stand. Are you not doing the same thing ? And you seem to have a big problem listening to other people. Before you start labelling other people as immature, you might want to have a look of your goodself on a mirror. We are doing the same thing which is to prove we are right. And as mentioned over and over again, we wouldn't even be having this conversation if u read all my posts clearly and make sure you understand them all before replying.

This post has been edited by MilesAndMore: Jun 18 2010, 03:08 PM

Yea right, you just point out that you are actually referring to RM 40k CL this morning. This is despite we were already discussing RM 1k to 3k CL back yesterday.

We people were discussing how low CL SCB Platinum can give out these days. Then suddenly you pops out saying SCB VI & HSBC Premier MC is giving out about the same figure. Of course there is a tendency people will misunderstood you meant about the RM 1k to 3k CL we were talking about. To add on it I already mentioned RM 1k CL much earlier right? But you still does not point out the RM 40k CL that you are actually referring to despite knowing it.


This is a discussion thread. Misunderstanding & mis-communicating is common. There is no such thing as if I am in a lecture hall & I must be listening 100% accurate info relayed or not. I misunderstood your statement & I admit it, then what else you want? Ask you to cool down & down so worked up but you are still the same. If you are not immature then I am not sure what you are?? I already admitted about it. You kept harping on the same thing & wanted to 'WIN'. That is all & that is what you are.


Maybe you can continue harping this to yourself as wasting my time with you is truly testing my patience.

This post has been edited by deeplyheartbroken: Jun 18 2010, 03:21 PM

SCB just called inform me i am now upgrade to SCB priority customer even though i did not apply for it. Maybe because i have a 400K mortgage1 loan with them.

i think they trying to offer me the VI card. what is the benefit of VI card? now me just using 1 platinum card (other bank).

You started this by quoting my reply to Centurion Lee yesterday. A reply which you clearly did not understand.



Nope. It was because you quoted my reply to Centurion Lee which mind you was very clear that i was referring to RM40,000. Besides, i never for once thought that you'll think i was saying RM1000 as it was crystal clear that i was not. You were the one quoting my two different replies (posted as one reply as seen in post #824) to two different posts and took it as if i were talking about the same thing.



Seems only happen to you though. Others do not seem to think so. Besides, it was you quoted me. As i said, the post is very clear that i was referring to the assumed credit limit Centurion Lee was talking about. Why would you take it the other way around is just beyond me.



Which was mentioned in post #838 and once again in post #847. I asked you to re-read the post and even had all the quotes in my replies yet you were still not getting it.



Calling people names in a public forum is mature ? Hey ... you see ? I learn something new today. Thank you


A dose of your own medicine. But please do not loss your cool. This is after all a discussion thread and misunderstand and mis-communicating are bound to happen as you said. Besides, you do not want to be labelled as being immature and having an attitude problem for losing your cool right