Short answer - stay away from MBF!

This post has been edited by hye: Sep 27 2010, 04:07 PM

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Added on September 27, 2010, 5:58 pmExcellent observations from both hye and tgeoklin. I share the same sentiments but maybe peeps like us are just being conservative.

This post has been edited by wongpeter: Sep 27 2010, 05:58 PM

It's true for most cases that IPP provide 0% and FPP require certain % of charges.

However, last week just found out that Alliance Bank latest promotion provide 0% even for FPP. This is great offer, however valid until 31 Oct 2010 only. Please refer to the link below.

Alliance Bank - 0% For Flexi Payment Plan

This post has been edited by almeizer: Sep 27 2010, 06:17 PM

Mine is TM combo.

So you're paying to TM? So good you can earn rebate via Autopay.
My package is Mobile Broadband + Streamyx, pay to Celcom. I missed its 5% rebate Autopay campaign.

Got it last week...

How do they assess credit exposure by only seeing the customer's face?

At first the staff persuaded me to take CIMB WMC without asking for my IC, existing cc and income document. But I said I only wanted DA VI. Then she asked me to take CIMB VI instead. I insisted taking DA VI. She then said I should take both DA WMC and VI as they are free for life. I reiterated I only needed DA VI. She then requested my degree certificate and income statement. That was done on Sunday.

hi all sifus here

i am looking for a credit card to use.
my salary is 3k+

i had applied for 1 AMEX
I plan to apply Sony Card but i found out that it has "expired" which means i cant apply for it anymore

Please advise me on which card should i get. A lot of people recommend me Citibank. But they are unable to provide me the reason why i should choose citi over others

any sifus can give their opinion here?

Inconsistency at both the Pavillion credit card centre and their credit card centre HQ is the problem. Different staff will request or tell you different things.

Well, depends on which cd u want to use? For me, as long as good customer service applies on that bank, i apply it. Hahaz...

i got no experience with cc b4 so i dunno

any suggestion?

LOL

OCBC advertises in Google Adsense

is the citibank platinum worth having?

Looking at the face im not sure. But I know they do their processing at the back room in the Card Centre in pavilion. DA requires at least professional qualification or degree right? Anyway, three more of my friends I brought to the Pavilion card centre today. One went for DA two went for Cimb WMC and VI. All of them used their HSBC Platinum card for application as their limit is 30k, 30k and 35k each. All got their cards within an hour! They require only IC and HSBC Card. Two got 100k CL for their new card and the third got 200k CL as he has existing housing loan with CIMB above RM 1m. That's all

This post has been edited by rockefeller: Sep 27 2010, 10:06 PM

Choosing a credit card to use is very individualistic. Different people have different purpose and spending pattern.
None of us here can answer that question except your own self. "Sifu's" would stay away from answering this question because they understand this.
Reading the thread will give you possible choices to your needs and please do not use the "lazy to read" as an excuse.

CC is a financial tool which you need to make your own choices and decisions. Period.

If i fail to get Ocbc Titanium,i'm gonna apply Public Bank cobrand Esso visa card with 8% rebate when fill at Mobil/Esso station. 8% + my smile card 1.5% total 9.5%

Where Where... I pumped Esso one... 8% rebate + smiles really awesome. Too bad my company already had fleet card else I will have them pumping diesel... LOL

Also, if you apply for the card at their HQ at Damansara Heights now, I am pretty sure that you won't be able to get the leather gift.


For DA, degree certificate is a must. They don't even accept a diploma certificate.

I saw it at esso petrol station, but i can't find any info....

What the hell ? They told me it was their credit card centre at the HQ that requested for my income document


Man ... i really think i screwed up badly last week when i went to their credit card centre. Shouldn't have told them i do not currently work and just give them my dad's company name when they asked where do i work at the moment. The outcome might be different then Haih ... going to deposit some FD into CIMB Bank and then withdraw all once the card is approved when i try my luck next time.