QUOTE(ben83 @ Sep 29 2010, 08:12 PM)
Is UOB Lady's Platinum MC is really platinum cc or is it just by name only?
YES, its definitely a plat card and other than the Mbf Lady Plat card, there are no other contender. Gives you tons of frrebies
Added on September 30, 2010, 8:01 am
QUOTE(siutimtim @ Sep 30 2010, 02:03 AM)
my dad also got ask them is it hsbc card holder surely can get approve but the girl tell my dad they still need to check by damansara branch and no guarantee one le..my dad say they can easily find out whether you are really earn big income yearly or not by looking the home loan,HP and credit give by banks wo.. not sure correct or not lo..haha
my brother also got hsbc plat card and apply also not kena reject wo... his record is clean one also le..
As I had mentioned before, the logic behind this is, if you are truly a high income earner, your expenditures will not be low. If you want guaranteed approval, your CRIS should show a consistent minimum over RM10K outflow per month over the past year. This would include HL, HP, CC repayments etc. If you are the exception to the rule, then income or strong financial documents would be required. So don't embarrass yourself if you do not meet the requirements. Good luck
Added on September 30, 2010, 8:07 am
QUOTE(elnino @ Sep 30 2010, 07:18 AM)
Recently I made a RM2k+ swipe for my mom's medical bill due to emergency, however I can only pay back at most extra RM500 per month. Previously I had never used my CC for other than petrol, thus I manage to pay in full each month. My question is:
1) Will it effect my CCRIS record?Or is it as long as I pay more than the minimum amount each month, my CCRIS will still be "0"?I'm not very clear on how CCRIS works. Hopefully someone could explain it. Thanks in advance.
I also deem this a responsible use for a CC. if you are using a CIMB card, can convert to free instalments. Otherwise, can consider doing a BT as the interest will be cheaper. And no, it will not affect your CRIS as long as the minumum is paid every month. Good luck & God Bless This post has been edited by tgeoklin: Sep 30 2010, 08:07 AM