but the rewards point quite high wo, plus the there are high acceptance of AMEX

nope .. they just ask me to fill in the form and sign .. then they took it and took cc as well .. fill in the slip to pay for the outstanding amount .. that all .. I dont get anything except the slip i paid ..

That is if u were to apply again at the same bank..i do doubt that banks track your application records with other banks..i applied for 3 banks,which got rejected..then instantly i applied for 2 banks..both banks approved my cc application..and it my first 2 cc..

unless of course if you got a bad credit rating..

Combined Credit Limit       :   5,000.00
Combined Current Balance     :  1,731.08
Combined Available Limit     :  3,268.92

Can anyone can explain to me the Current Balance is what? How much I use or the credit I can use?
How about the the Available Limit?

Quite confusing for the terms..

Thanks Alex. Seems like the requirement is still high for me...  Just curious is there any Free for Life CC in SG?
Anyway I don't think it is feasible to use Msia CC in SG right?

Thanks Hye. From first page, for overseas trans I see MBB charges 0.5% while Alliance is 0%?
I also recalled someone mentioned SCB VI rewards you more for overseas spending, is this correct? Any other CC that rewards better for overseas spending and do not need high income requirement? Sorry for asking this again as I know someone asked this before, just that I could not find this info in first page.

jsut a quick question, can a student apply for credit card?i mean university student without any jobs and income from family..
if yes then which bank?
please dun point out debit card

Does the bank call you up whenever a transaction have been made using the credit card whether through the retail CC machine or Online payment portal ?
OR it is only applicable to certain banks ?

guys and gals, which petrol station can reload Touch n Go using credit card? or dun have at all? Thanks.

Hey, got a question regarding finance charge due to cash advance. If I already has some outstanding balance (balance from retail transaction) for my CC and then later I make a Cash Advance transaction. When I want to pay up, can I differentiate the payment only for the cash advance?

Say outstanding balance is RM100 and Cash Advance later on  is RM100, so end total would be RM200. Then I just want to pay up the cash advance amount RM100 only, would the payment be considered for the cash advance payment? Or I need to pay up RM200 to settle the Cash Advance payment.

Sorry if it is a stupid question, hope can get some explanation. Thanks in advance!

hi guys how much is casino charges for public bank?

its up to the bank they charge admin fee or not, some bank say they charge eg. 2% after covert, some bank say they don't charge, but their rate is higher eg. visa site say USD is 3.21, but they will convert at 3.24

so no matter how you look, there is a fee for forex change.

Sorry if i post wrong thread, currently i need cash urgently, can i know which bank offer personal loan by using credit card to apply...?

i am holding maybank, and cimb credit card.

Maybank have one card feature called cash treat, but it needs to deducted available credit limit, which i think i my credit limit is insufficient, due to i have using it for 0%installment.

how about cimb ? i cant find any personal loan related to credit card.
And about hong leong bank personal, can i using my cimb/ maybank credit card to apply without submit others documents such as bank account, ea form..

Ps: i am very confuse about Hong leong bank personal loan cos what i saw from their website stating  that customer needs to submit copy of ic, and credit card only. but when i called their customer representative, the girl insist that i need to submit lots of document such as epf statement...and..so on

Citibank M'sia will be launching their new credit card this coming June.

Got this info from friends that work in Citibank,but they have no idea what card type will be launch.

Anyone have info or idea what type of credit card they will launch?

I have a bad experience with Citibank. I would like to apply card from them. I applied it on 1 month ago and last few days I wanna check for status. You know what I found out , they said my IC number never in record. I feel like what the heck. Then never mind,I go apply again. Wow .... card less than 1 year and 6 months then I have to go provide so many thing like EPF Statement,3 months salary slip and one thing EPF Statement must from KIOSK machine. THey don't accept online slip.. Screw them kao kao .. I won't apply CITIBANK CC anymore.

yes & even last transaction which petrol supermarket u used, how u pay, etc

Since your new to cc, let me give u some tips.

1. Interest rate for cc is 18% interest p.a(per annum) means 1.5% interest per month
2. Don't use the credit card if you can't fully settle it every month
3. In the event u cant settle fully, the balance amount will be subjected to 1.5% interest
4. If u have pay late, u will b subjected to late interest amounting to 0.05% (not sure if they have change this %)
5. If u have a saving/current account with the same bank, you can actually do a standing instruction to pay the credit card
6. In the even u need cash, you can use your credit card to withdraw cash from atm machine but of course u will b subjected to 5% interest against the amount of cash u withdraw. For example if u withdraw RM1000, u will b charge RM50 interest immediately. If u withdraw less than RM1000, the benchmark for interest charge will be at RM50.
7. Now this is most important, if u have been paying late, meaning u fail to pay the minimum payment of the cc statement for 6 consecutive month, u will automatically b tag in CCRIS and u wont get to make any further borrowings from any bank smoothly since u will b classify as a bad pay master.
8. Now most CC card gives reward points so that u can use to redeem gifts from the bank that your CC is attach to
9. When u purchase high value object for example a watch, u might be subjected to a cc service tax(not sure what this tiax is call) that varies for different outlets ranging from 1%-3%. Always ask the salesperson what the amount is.
10.Finally when your purchasing something above RM500, make sure u ask the salesperson whether they have installment plan, cause most installment plan will comes with 0% interest on the amount u charge on the card.
11. Government has implemented RM50 government tax on each card u own which can b paid annually
12. Please check your statement as they arrive for sometimes they tend to charge you annual renewal fee which can very well be waved by just calling their hotline and ask them to waive it.

I think that is about it. Just dont use the CC cause you are using advance cash. Is good to carry 2 CC if u travel frequently. I have been to certain country that does not accept certain CC cause they're not familiar with the bank. IMO better CC are from foreign banks since they're more recognize.
Personally i keep 2 which i do not use unless is neccessary 

i never pump in petronas. petronas last time ask to leave behind my credit card when i pump petrol . i said cannot knowing that it's dangerous to leave your card to stranger. the staff said its company policy. what to do, in hurry also... warn the girl that if bill wrongly, come back for her.

Hi, regarding the recent promotion of new Aeon Credit Card. Last week, i was approached by a credit card promoter at Jusco One Utama, TTDI. i was told that RM50 of GST can be rebated by 10% or 5 % rebate while swiping Aeon Credit card before 31st July 2010.
Is it true?.