but why scb world card requirement is so low one.. is this lower class world mastercard le or same standard like cimb world mc le... less benefits than platinum card some more wo..

http://www.starproperty.my/PropertyScene/P...yScene/6801/0/0
Anybody knows which credit cards can absorb the RM50 government tax? I mean unconditionally, without needing to spend a certain amount or using reward points.

I received a WORLD CARD by invitation from Maybank; anybody knows what is the minimum credit limit ? becoz my current maybank amex limit is 50k , i was told that the limit for world card would be in range of 100-200k, and the call centre informed me that my new limit would be raised to 100-200k range, is this true ? however 1 big disadvantage is the annual fee....1k for normal 1.5k with klia lounge access !!! but annual fee would be charged only at the end of 1st yr. However gov tax rm50 is upfront 

Feel so useless having RHB Tesco card until this week where they have 8x points + 8% cash back...

Just received SCB Ipod redemption letter... feel so sad

Today in The Star, it was reported that government considering to limit the number of credit card issue to an individual. Looks like the coming budget there would be some new conditions again for card holders.

Below is a graph in the article  showing amount of CC and Personal Loan debt as of July 2010.

Just sharing, for SCB credit card,
Recently applied for SCB card,
finally today they sent me the cc.
I phone to scb to argue for the credit limit.
Cause the credit limit is below my other bank credit limit, and my current montly salary.

The customer told me that, i must activate the cc, and use for six month, then only can request for 6 months.

So sad that I need to hold this card for 6 months, therefore, i ask them to cancel the card immediately wihtout activate this card.

Anyone can share, if your current salary is RM3k, then you credit limit also RM3k or above?

I beg to differ. I mom got her first credit card in her early 50s and she doesn't have KWSP. My dad doesn't have KWSP either. Both of them are on the pension scheme.

My mom told me they were on both schemes many many years ago but somehow they stopped deducting money from her salary to KWSP years ago. So she just closed the account. My dad did the same. My dad retired a long time ago. Both of them claim that the pension scheme is better. Let say that you've been working for the government for 25 years continuously (if i'm not mistaken), you will get 50% of your gross salary every month. Assume your gross salary is RM10,000 by the time you retire, you'll still get RM5,000 every month just sitting at home      My aunt, who's a senior assistant director in one of the government agencies is earning more than RM10,000 a month in gross income and she still has about 8 years before retiring. She is on the pension scheme too. Imagine how much she'll get after she retires    We haven't even counted the gratuity she is going to receive at the end of her service 

trueeev ...

but i stil dont get it.  i might have 10 cc cards and if i clear all cc debts who cares? as opposed to one who only has 1 cc card but never pays,.   

wat is the credit limit offered by this ocbc titanium? if my citibank is 30k cl, will ocbc titanium offer the same?

bt i tot CL 30k can get a plat already?

just asking,

when u guys refer to paying your cards on time as in fully settle after each month usage? or just minimum? i usually pay only minimum unless i have extra for the month i will clear more than minimum..

does that affect my applications as the card still have balance uncleared.

meaning HSBC's cc is better than others?

Customer service may not be aware promotions held at card centre.

If the existing card is a secured card, they can check it through your CCRIS record. The particular card will be marked as "collateral" in your credit report which can be obtained at any BNM branch.

looks like CIMB world card has more benefits than Direct Access World Card leee.. I thought is the same le...

I can tell you that the actual HSBC VISA Platinum doesn't look as nice as the one shown in their website or printed on the brochure. The one advertised is all black while the actual one is shiny black. Anyway, it still looks much grander than their Premier MasterCard.

I saw the direct access worldcard today.. walao, not classy at all one le... is like a normal cheap plastic card.. no shining shining effect like platinum card.. if people dunno what is world card, they might think this is classic card lo...

why now sound like everyone qualify to apply worldcard dy.. few months back only everyone saying word card very high class now like all plat can upgrade dy.. haha

the maybank worldcard got shining like platinum card or also like cimb world card le.. I think too plain lo.. at least give a little glossy lo.., haha

Yes I agree. And you already have a few of those already

I have none of the above  Those cards are indeed exclusive.

I would say the really exclusive card is AMEX Centurion, got equivalent USD1million FD with a bank also cannot qualify for it. CIMB Enrich WMC is also exclusive as it is by invitation only.

As for SCB VI, HSBC Premier and UOB Midas, anybody can qualify if he/she got cash to deposit with the banks.
CIMB strategy is indeed good (giving WMC/VI to HSBC and Citibank card holders with CL less than RM50K) if the government really does limit people from having cards from 2 banks only.
Perhaps Gen-X (who made a very useful table, see: My Credit Cards, MilesAndMore or winner sifus can tackle this question?

i failed my ocbc titanium i think because i got too high credit limit on other cards. they would total up my credit limit from other bank and then compare the risk of me maxing out all the cards.

so.. moral of the story is.. high CL not necessary good esp if u have multiple card.