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 Credit Card v11

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andytan18
post Sep 22 2010, 01:33 PM

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QUOTE(siutimtim @ Sep 21 2010, 10:40 PM)
if his hsbc plat is only 6months can apply ma? or need at least one year ?
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I got mine upgraded just now, my HSBC is less then a year and I have a CIMB platinum.. it took me slightly more then an hour but no leather free gift??
vin_ann
post Sep 22 2010, 01:34 PM

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QUOTE(elnino @ Sep 22 2010, 09:27 AM)
Just received my first CC, CIMB Petronas Gold CC this morning, applied 2 weeks ago. Like some forumer said, CL of RM10k, nearly 3.2x my monthly salary.

p.s. Statement will be sent directly to my mom, to keep me in check..tongue.gif
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CIMB always practice like this.

giving the most CL among others.
travelyew
post Sep 22 2010, 01:38 PM

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QUOTE(vin_ann @ Sep 22 2010, 01:31 PM)
er.. i 99% believe the agent try to lure you into signing up the CC.

Next year, when u been charged the service fees, the agent are no where can be traced.

When you signing up a CC, expect to pay the RM50 service charge or use the point to set off.
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Erm..
if no more GST next year, i think most of the people will wait to apply cc next year.
chemistry
post Sep 22 2010, 01:42 PM

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QUOTE(travelyew @ Sep 22 2010, 01:38 PM)
Erm..
if no more GST next year, i think most of the people will wait to apply cc next year.
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Are u kidding? laugh.gif no more GST sweat.gif
I guess most probably will increase further.
andytan18
post Sep 22 2010, 01:47 PM

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if the government is going to limit only 2 cc per person, which 2 card will you hold?

http://biz.thestar.com.my/news/story.asp?f...87&sec=business
chemistry
post Sep 22 2010, 01:52 PM

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QUOTE(andytan18 @ Sep 22 2010, 01:47 PM)
if the government is going to limit only 2 cc per person, which 2 card will you hold?

http://biz.thestar.com.my/news/story.asp?f...87&sec=business
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I will hold DirectAccess Mastercard and OCBC Titanium (if approved).
If OCBC card failed, I will just hold the former.
alexwsk
post Sep 22 2010, 01:54 PM

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QUOTE(tanch78 @ Sep 22 2010, 01:22 PM)
I was at the Malaysia Canirval Expo last Sun. The credit card agent told me that the government will abolish the GST RM50 from next year onwards. Anyone knows if this is true? I don't believe them but I proceed to apply for SCB business platinum card simply because of the RM188 cash rebate... (net 138 deducte the 50 GST).. and annual fee waived for 2 years... rclxms.gif
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even if it's true, u apply now oso need to pay RM50
travelyew
post Sep 22 2010, 01:55 PM

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QUOTE(chemistry @ Sep 22 2010, 01:42 PM)
Are u kidding? laugh.gif no more GST sweat.gif
I guess most probably will increase further.
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The goverment won't cancel the GST, 1 of the goveenment income.
Just worry will increase.....
alexwsk
post Sep 22 2010, 01:56 PM

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QUOTE(andytan18 @ Sep 22 2010, 01:47 PM)
if the government is going to limit only 2 cc per person, which 2 card will you hold?

http://biz.thestar.com.my/news/story.asp?f...87&sec=business
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dun thk they will be able to limit to 2 cc, maybe 2 banks
so apply more now while u can
Veda
post Sep 22 2010, 01:59 PM

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QUOTE(chemistry @ Sep 22 2010, 01:52 PM)
I will hold DirectAccess Mastercard and OCBC Titanium (if approved).
If OCBC card failed, I will just hold the former.
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I applied for OCBC Titanium a week ago, still no call or SMS from them cry.gif Might have to call them in a day or two.

If OCBC failed, I'll probably apply for DirectAccess Mastercard. IMHO, it's the second best gold-level card in the market right now.
siutimtim
post Sep 22 2010, 02:02 PM

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I think now it is easier to get worldcard de lo.. just like last time plat card.. haha

see stanchart world card requirement is so low le,,, then cimb one also no need rm200k/annum also can apply le..

actually direct access and cimb card got same standard? a lot of my friends dunno what is direct access.. haha
chemistry
post Sep 22 2010, 02:02 PM

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QUOTE(Veda @ Sep 22 2010, 01:59 PM)
I applied for OCBC Titanium a week ago, still no call or SMS from them  cry.gif  Might have to call them in a day or two.

If OCBC failed, I'll probably apply for DirectAccess Mastercard. IMHO, it's the second best gold-level card in the market right now.
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You really need to call them. Maybe your supporting documents are not clear and therefore left aside. sweat.gif


Added on September 22, 2010, 2:05 pm
QUOTE(siutimtim @ Sep 22 2010, 02:02 PM)
I think now it is easier to get worldcard de lo.. just like last time plat card.. haha

see stanchart world card requirement is so low le,,, then cimb one also no need rm200k/annum also can apply le..

actually direct access and cimb card got same standard? a lot of my friends dunno what is direct access.. haha
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Basically DA and CIMB cards share the same basic privileges.
However, sometimes there are promo only for DA cardmembers. One example is the 2% fuel rebate.

This post has been edited by chemistry: Sep 22 2010, 02:05 PM
tanch78
post Sep 22 2010, 02:09 PM

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QUOTE(alexwsk @ Sep 22 2010, 01:54 PM)
even if it's true, u apply now oso need to pay RM50
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I will cancel in 6 months time... of course after I ultilise the net RM138 cash rebate (RM188 deduct 50 GST)... brows.gif
gerrardling
post Sep 22 2010, 02:12 PM

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QUOTE(alexwsk @ Sep 22 2010, 01:54 PM)
even if it's true, u apply now oso need to pay RM50
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my scb agent also told me the same thing. anyway, once spend all the cashback they give, just cancel the card
Veda
post Sep 22 2010, 02:13 PM

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QUOTE(chemistry @ Sep 22 2010, 02:02 PM)
You really need to call them. Maybe your supporting documents are not clear and therefore left aside. sweat.gif
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Yup. OCBC needs to get a better fax machine lah. Some forumer's documents not clear enough, some too dark doh.gif


Added on September 22, 2010, 2:14 pm
QUOTE(siutimtim @ Sep 22 2010, 02:02 PM)
I think now it is easier to get worldcard de lo.. just like last time plat card.. haha

see stanchart world card requirement is so low le,,, then cimb one also no need rm200k/annum also can apply le..

actually direct access and cimb card got same standard? a lot of my friends dunno what is direct access.. haha
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IMHO, DA cards has more prestige and better benefits than CIMB cards.

This post has been edited by Veda: Sep 22 2010, 02:14 PM
MilesAndMore
post Sep 22 2010, 02:22 PM

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QUOTE(travelyew @ Sep 22 2010, 01:55 PM)
The goverment won't cancel the GST, 1 of the goveenment income.
Just worry will increase.....
They did cancel it before though. Anyway, i am still praying that it will be canceled one day but i don't really expect them to cancel it just after one year. May be they will cancel it before the next general election ? You know ? "Gula" for rakyat laugh.gif

de.crystal
post Sep 22 2010, 02:31 PM

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QUOTE(tanch78 @ Sep 22 2010, 02:09 PM)
I will cancel in 6 months time... of course after I ultilise the net RM138 cash rebate (RM188 deduct 50 GST)... brows.gif
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haha give me 5 bro, i applied cz of that. But i wil not cancel it as it wil give me unlimited access to KLIA lounge, i travel by flight quite often.

if u like cash rebate, try hsbc too, RM150 for plat.


Added on September 22, 2010, 2:32 pm
QUOTE(siutimtim @ Sep 22 2010, 02:02 PM)
actually direct access and cimb card got same standard? a lot of my friends dunno what is direct access.. haha
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cz DA is for the grads and professional smile.gif


This post has been edited by de.crystal: Sep 22 2010, 02:32 PM
MilesAndMore
post Sep 22 2010, 02:37 PM

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QUOTE(de.crystal @ Sep 22 2010, 02:31 PM)
if u like cash rebate, try hsbc too, RM150 for plat.
Should be RM160. Anyway, they are also giving RM160 to those applying for the newly launched Advance VISA Platinum online too. And if you apply for the Advance account online, they will give you another RM30. So that's a total of RM190 free money tongue.gif

hye
post Sep 22 2010, 02:40 PM

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Instead of the CIMB MC Worldcard and VISA Infinite, I believe the MBB's offering is better but I doubt so they will waive the AF.

If MBB have a promo for this card, I think it is worth considering.
winner
post Sep 22 2010, 03:18 PM

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QUOTE(JJBerry @ Sep 22 2010, 10:58 AM)
False information given by SCB RM and CS. They told me we cannot hold both Priority Banking VI and Preferred Banking WMC at the same time(they denied to let me apply when I visit their branch) but I faxed my WMC application direct to their card centre and my application approved in just 1 day.
By the way,I still hold their Priority Banking VI........ rclxub.gif
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Talking about SCB Preferred Banking World MC, this SCB really pissed me of. As shown in the e-statement, RM50 service tax was charged on 8/9. I received the security pin number on 21/9. However, until today I have not received the physical card yet. I called SCB several times and was given the reply that they are still in the midst of issuing the card. doh.gif

As I will make a big swipe within these few days, I will not accept this card if I only receive it after using other CCs to make the payment.

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