Transaction closed already. Bro ... I will advise you to take those rumors spread via email or SMS with a pinch of salt. I have been using credit cards for years and never had this problem before. The only petrol station related problem was before the EMV system was introduced. If this is really a problem ... then it would have been a widespread problem already as many "Malaysians" will take advantage of this loophole to make money.

With any Citibank cards, you need to call in to for AF waiver. Do remember this is a co-branded card, means the likelihood of an AF waiver is not 100%. If they charge you and you don't want to pay then just cancel the card. Today's cc market is competitive so don't be so hard up unless you are a die hard fan of this particular card.

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Added on September 22, 2010, 10:48 am0% installment plan limited. You'll stand a better chance with MBB, Citibank.
Rebate ... not the most attractive if you were to compare with SCB JustOne or OCBC Titanium.

Bro @maru ... banks are commercial entities. Everyone here need to understand that at the end of the day, their objective is to make money so there'll always be a limit to the amount of rebate cc providers will want to offer. If you are expecting like 8% / 10% rebate from your spending then dream on.

The most seen today is 5% on petrol spending and do remember banks make about less than 2.5% from your retail transaction. (There's also some percentage paid to VISA/Mastercard International) So where is the rest coming from ? Likely you are taking it from the poor souls who have cc debt with the bank. (Interest 17%-18% per annum)

This post has been edited by hye: Sep 22 2010, 10:50 AM

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.

You need to book tickets in a total of RM3000 or more. However, you need to check the T&C carefully ... I remembered that one bank requires you to book the ticket through their designated travel agency to enjoy this travel privileges. (And I don't remember which one)
Wife masuk must pay 50% of the stated fee. If your wife holds another card which entitles access to the lounge then she's entering on her own ticket and not yours. Do note that the access to the Plaza Premium Lounge KLIA and LCCT may be subjected to a monthly quota.

This post has been edited by hye: Sep 22 2010, 04:33 PM

As fast as 2 hours and as slow as 2 weeks.

People who can reach this stage are not to bothered whether the card look classy or not. They can get the card (or equivalent) anywhere and anytime.
The word "World Mastercard" and "VISA Infinite" carry its own weight.

If they even make the AF lesser then it is worthwhile considering.
I'm tempted by the 5 -> 1 Enrich points conversion factor. Other banks is generally 6 -> 1.
However their lounge does not have a worldwide coverage.

This post has been edited by hye: Sep 23 2010, 02:04 PM

I agree. Just submitted my Titanium application today.
The person who attended to me initially thought I want to ask for a CL upgrade but was totally shocked when I asked for only a small credit limit. (As most in this forum mentioned that, card is good for small spending)

I have asked for a lower CL before with Alliance. No objections, it is when you asked for higher CL it is going to be a problem.

It depends on what you want. You can't get everything ... good rebates but no points and vice versa.
Only you can answer whether Citibank is good or not - did it meet your expectations and spending patterns ? If not then consider another card, otherwise be happy with what you have.

Not sure about HSBC RM30K limit but definitely you are going to need 12 months on your HSBC card. And .... there's a strong chance they will check for your RM200K p.a income.

Thank you @tgeoklin, I share your opinions as well.
The newer generation are just too gung-ho about CL, card upgrade, EZ Payments, etc. I worry about these developments as it could possibly indicate denial about the ACTUAL responsibility when using a credit card.

Back then I had to wait for a good 6 months to 1 year before being eligible for applying a credit card. These days they want the card right away from starting work on the pretext of "emergency purposes" and not realizing the danger of using credit card to survive.

Unlikely ... OCBC is well known to be tight on their approving criteria.
You need to use alternative method to get approval ... e.g. Pledge FD as collateral.

You need cc ATM PIN. Did you receive it before ? Or did you receive it and throw it away ?
If you can't find it, call the CS and asked for a new one. It will take up to a week to receive it via mail, any faster you need to collect it from Citibank Jalan Ampang yourself.

Pin will arrive after you receive your card via normal mail. Normally within a week or 2.

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Added on September 27, 2010, 1:56 pmYup ... for CIMB, please take note that you will be paying for the interest.
Under normal condition, the merchant pays for the installment fees to the bank. As you are going direct then the consumer pay to the bank.

This post has been edited by hye: Sep 27 2010, 01:56 PM

Short answer - stay away from MBF!

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

Often is you get rejected, it is because you fall under the "risky" category. You will fail the application from any bank.
If for technical reasons e.g. documentation ... often the respective bank will call you to clarify / resubmit the documents.

Certain bank e.g. HSBC / PBB are very sensitive to the number of cards that you hold. So they will reject you although you are not risky.

They are supposed to do it for you. The guy just wanted to cover his mistake and asking you to do it.
If I were you, I will take back my FD and ask another branch to do it for me or ask to speak to his superior about this mistake.

End story up to you but do realize the hassle to get that Setem Hasil.

This post has been edited by hye: Sep 28 2010, 11:51 AM

There is a lot of local cc issuers who uses Poslaju as the courier service. Why? Simple, they are the cheapest in town and they also offer a facility where only you can collect the card. (Recipient name need to match their record and cannot use 3rd party to collect)

While I do agree HSBC service has gone down slight as compared to before but perhaps the problem lie with the courier provider as well. Contrary ... my experience with HSBC has been positive but I have cancelled this card a few years ago as their promotion are limited as compared to other cc providers. (I cancelled around the time where there were news that they let go of a lot of CS in Malaysia)

To be fair, I have had my share of horror stories in the past with cc issuers and both local and foreign banks are culprits. However, I would acknowledge that the experience would differ from person to person as the level of personal expectations and tolerance differs.

If I am asked what is the card to avoid - AEON
* Myself lost money when they refuse to acknowledge a payment which I have made to them. (Lucky is it just a small amount) Checked with my friends and a few of them encountered the same thing. I will never return to this card ever!