yes can. i swipe with DA to get 2% rebate. there also 1 time weekend at giant i swipe rm7 (with DA too, for 5% rebate) 

my current citibank gold also is not free
have to call every year to waive
citibank will never gipe free for life cars unlike some otherbanks
now i am not sure about the  current platinum...dunno whether they will waive the fees every yr by request

my parent's silver card previously have to call to waive annual fee, recently no need already

btw Citibank gave my parent RM200 Air-Asia voucher
mainly i think they want to retain customer which my parent spend over 20k pa

Went to Mobil and wanted to buy 20w-50 engine oil.
Told by cashier that all items in the mart are cash term only.
Took out a RM50 note and a RM5 note to pay for it.
Darn, I missed a 5% rebate.

last week I did Direct Debit with RHB to get iPhone4 from Digi Online Store.
I also just went to BNM this morning to print out my CCRIS report and same as you, my HSBC last 8 digits different. Also noted that HLB account number is like 22 digits and Alliance 8 digits 

Sweet !!! 
Yeah ... i am wondering why ... 

Anyway, i was also wondering if they will list out all the rejected applications in our CCRIS because from what i can see in the copy of my CCRIS, it listed only 4 applications all of which have been approved by the respective banks. 2 from HSBC and another 2 from Citibank. The second card from Citibank was approve just this morning 

Me wanted to check if anyone applied for any credit facilities using my name  Make it a pratice to print it out once a year.

Saw that my EON Signature CC application pending but was shocked to see CL only RM15K! Then afternoon EON Bank telemarketer called me to asked if I want to do BT and told me my card approved. Anyway was to busy then to talk to him. Just called EON CS and was told card only approved yesterday (applied on 23rd Nov) and CL 6 figures.
I bit blur what you trying to say. Correct me if I am wrong.

1) You want to do flexi pay for RM7K (i.e. installement plan) but your CL is RM4K. If this is the case then you cannot apply for the installement plan because your CL is less. In the first place, you cannot even purchase the RM7K stuff with the credit card snce it is limited to RM4K.

Yes. It will be shown as approved under collateral.

Yes. It is possible with Maybank and CIMB Bank. Done this before 2 years ago. So i'd assume it's the same with other banks.
Not sure about this. But one thing for sure is that other banks will be able to know the credit card is secured by FD. Credit card is an unsecured lending business. Therefore, other banks might be reluctant to offer you a credit card if you apply using an existing secured credit card.

PBB mentioned that is 6% for 24months to pay back all, but i think i need to go there again and fully understand it. No problem, i want to but a high level Digital SLR camera body only which is costing 6k and a lens 1k. And i wanna pay by installment, but shop are allowing 12month installment so i try to ask some installment plan from bank. For my salary now i can take out RM400 ~ RM600 so i calculate i can afford for 24months installment. But if i take 12months installment they need me to pay around RM500+ so that i cannot make a saving for every month, for 24months installment i can make some saving and also backup for emergency.

Not really. It also depends on the terminal that they use ... sometimes the merchant bank got not so good connectivity to connect to your bank. Thus your transaction will always be rejected.

Happened to me a few times. You can confirm this as when you call your bank they will say that there was no attempt to post a transaction coz it never reach them! Calling the bank before you travel will only eliminate the bank from flagging your transaction as a potential fraud when you use your card overseas. (or any unauthorized local fraudulent usage of your card locally) This connectivity problem would be totally out of your control nor Citibank as you are at the mercy of the terminal / local bank provider. 

Sometimes bank will still (sometimes) call you when you are overseas although you have informed them. (And you get annoyed coz they are unaware they are making an international call just to talk to you and you bear all the roaming charges) 

That's why the best is always to carry 2 cards from different banks.