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.

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.

Rockefeller,

Where else has this promotion at the moment besides their credit card centre at Pavillion ? For the World MasterCard.

correct loh... I went with my dad yesterday... confirm they have to process at the HQ damansara (11am till 5pm only) the girl said and pavillion only process the card nia.. so no matter you tell the staff you work for your dad or you have a million also useless lo because they only submit the application only le... approve or not still up to the damansara team wo...

my dad got the card in 50minute but no free gift... she said out of stock   

correct loh... I went with my dad yesterday... confirm they have to process at the HQ damansara (11am till 5pm only) the girl said and pavillion only process the card nia.. so no matter you tell the staff you work for your dad or you have a million also useless lo because they only submit the application only le... approve or not still up to the damansara team wo...

my dad got the card in 50minute but no free gift... she said out of stock   

Everyone has different lifestyle. Therefore there is no real best credit card in the market with the exception of OCBC Bank MasterCard Titanium of course. It just so happens that this particular card fits my needs perfectly which is why i am so keen on it. It is also the reason why question such as "what is the best credit card" is usually ignored on this board.

Spoke to a customer service officer. They do have my record and my application apparently is marked "canceled" and not "application rejected". I was also informed that the 1-hour instant card issuance for the World and Infinite card series at Pavillion, Plaza Damansara and Menara Bumiputra Commerce is not a limited time offer but a permanent special service at those mentioned places.

thinking to upgrade too but the annual fees really holding me 

yupe, I got both CIMB WMC and VI which are free for life. I did not get the acceptance letter but I did call CS and they say I can upgrade to WMC. I have been using Maybank since 1995 and now with Petronas Platinum (also no annual fees)  hopefully they can come out with the annual fee plan as I see no differnce of Maybank WMC and CIMB WMC..

2 guys here have it. And no. They paid the annual fee themselves.

Your banker called ? PB customer ?

Wow, u must have a handful of wealth to manage
Do you pay consultation fee ?

I'll wait patiently if one day MBB decide to ease a little on the annual fee.

May I ask for CC recommendation here?
Previously only using Debit Card, cause lazy to handle all the bills.
Friend keep urging me use CC because of those promo dining,shopping,rebate etc.
Any recommendation? No necessary high credit limit.
And prefer easy online banking/transfer.

You are their pb customer? Hmm... Based on what to have the annual fee waived ?

MBF have one of the highest admin fees imposed (credit card) for overseas transactions.
My last experience with them is not exactly worth mentioning ... so I will give this cc provider a skip if I have options.

Mainly related to customer service, I'd rate this to be among the bottom tier among all the banks.
The fact that the card offerings is the least competitive to be used overseas and the lack of promos already turn me off.
If I have a choice between CIMB or MBF (Worldcard) ... CIMB wins hands down.

Plus ... I think once you own a card at that tier, wouldn't you want to be more selective and to always note your overall exposure ? (In other words don't own too many cards)

Let's put it this way ... as Worldcard holder, you'll probably have a different expectation on how a service should be and I doubt so MBF can execute this well. I used to own their Platinum card and there's nothing worth mentioning about this. Even the most requested service - AF waiver is not so straight forward ... your call get forwarded to so many department and they will beat about the bush about giving it to you whereas you'll get the answer from a competitive bank in 1/10 of the time taken on a single phone call with MBF.

So .... not for me.
CL ? Back then MBF was one of the lowest in term of CL offering to me. The lowest was PBB for me and my other cards were like 3x-5x more.

MBF is really lousy from my point of view. I just terminate my card 3 days ago since it's going to renew any moment. Last year when due for the annual fees, i call them up and the customer service say they will waive it for me. Then i continue use my card for petrol, the following month my statement arrive and stated charging me annual fee. So i call up again the customer service and they say they don't have my record of appeal for waiving annual fees. But then, they say what they can do for me now is ONLY charge me 1/2 annual fees. I feel being cheated.

As a member for MBF since 97, and the credit limit started from 5k till now 9k ONLY. FYI, currently i'm holding a UOB Platinum Card (3x more credit than mbf) that offer from UOB without submitting any document except IC ONLY as i've a current account with them. And NO ANNUAL FEES for first 5 years PLUS cash rebate RM88 upon received the card.