am i a bad CC user since i always paid full amount a week before due date?

and is that also one of the reason why they didnt increase my CL anymore???

after reading these posts , I have come to understand that the determination of the CL is solely done by the bank based your assets.

But if that is the case , how is it that we can choose to apply for Regular , GOld or Platinum credit card ?

If the bank decides say I am worthy of only a 4k CL , then if i apply for the gold or platinum will the reconsider my CL ? obviously I am  interested in the CL , and i am thinking whether its worth it to pay the extra annual fees for those card ?

thanks

being a hsbc premier customer and it makes no difference when applying hsbc credit card. got rejected, without a reply reason nor reply.

well above that figure. i opted for conventional credit card instead of the blue card, don't like to attract any attention

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.

Guys, got one question here. If the name that i use in credit card is somesort of English Name like Jimmy Lo and i want to change to  Lo XXX XXX( real name),Does it mean need to reapply again?got any charges?Could any one help me? Thanks

In this case, you need to ask for a card replacement. Most bank will charge you RM50 for this.

icic. thx for the reply.I want to know does it have any issue when not using the real name shown on your credit card??

ATM, is there any CC provider offer free/ waiver on government tax?

Icic. Thanks for the info.

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Added on August 5, 2010, 1:03 am
haha.Even if i put crayon sin chan also can? The name on the card do not have limitation?

well, i applied for DA Plat early last yr and they gave me gold instead
so when i received the cards, i told them to get lost

so i would say it depends on the bank

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Added on August 5, 2010, 1:19 am

as long as it matches most of it, it's still fine

wtf?so fast? -.-"
my annual income are more than what they need...haiz, i need a card urgent. i think i will go for citibank next
can i knw which bank reward point doesn't expired?? or any others card to recommend??

You should have also knew that HSBC cc is the hardest to apply. Not necessarily you qualify, you will definitely get it.
Many folks here complained about this but we have mentioned repeatedly that with HSBC the general qualifying rules does not apply.

hello,

i received a call yesterday from bank to check some personal info, telling me my credit application is in process, but i didn't apply from that bank. do it mean i got high chances to getting a cc from that bank sooner?

Oh thank you very much , You wouldnt recommend it how come ? I chose them in particular because I had inquired about whether I am eligible they said I am definitely eligible for their cards ...

Chemistry thank you for you suggestion , Ok its true Im a total noob at this , The CC would be mostly for online transactions and for fuel and utilities , occasional meals in good restaurants with my clients and girlfriends.. but thats about it...

2% rebate at all gas stations ? Is this a new promotion ? I thought only the CIMB Petronas MasterCard gives you 2% rebate and it is applicable at Petronas stations only.

noted of the warning, i be more careful. get too excited till forgot all the fundamental.
ok, i do that asap. woah, a call can be deadly. 
sure, he claim he from MBB 0358855100 offering petronas card. after getting infor , he call again then he say in process and ask me where i want to collect my card. but didn't say approved lah.

I guess the best petrol card is Citibank Cash back platinum. 5% cash back at all petrol stations.

May I know which CC offers the best rebate or reward points for ALL TYPES OF SPENDING other than Amex gold cc ?

This just occurred to me , Lets say for example I applied to several banks for their cc's , I do this because since Im a first timer the not that rich , the likelihood of me getting rejected is greater , so to increase my chances I apply to several of them at once.

But lets say by the stroke of fortune i get accepted say from 5 banks , but now I dont want so many , I just want one or two.

If the bank issues the credit card , and i go to them and tell them , "ok.. the thing is.. my mamak stall was infested with rats and i had to shut it down , so i dont think i can risk having any more outstanding balances , therefore I really dont need it" ,

Will they bank have a grudge against me and blacklist me or something ?

Also what is the proper way of cancelling a cc , Should I just pay the outstanding balances , and then just stop using the CC , or should I call the bank and tell them , please purge my accounts ?

Yes. You can and they will not blacklist you. Just that you won't be able to reapply another credit card from them for the next six months. However, you'll still have to pay for the RM50 credit tax for each of the cards approved.

Yes, generic CIMB MC's give 2% rebate at all petrol stations. If I'm not mistaken, promotion is until end of the year.