is CIMB Petronas Visa Gold card easy to apply?

the staff there told me, just need 1 month payslip, RM2k per month of income, then can consider..

a bit too easy I think

MBB has already started to grant free 10,000 points for customers to offset the RM50 service tax.

Does CIMB have this kinda waiver system for its card?

How they grant? By threaten to terminate the card?

Do they grant it for new applicant? perhaps, they do that to attracts new customer.
maybe, this is new cc war being waged after SCB, HLB starts doing it.

This post has been edited by johnnyc: Nov 21 2010, 10:47 AM

CIMB has not joined the fray yet. But CIMB has successfully gained its market share by simply increasing CL and approving premium cards like WMC and VI.


Somebody here mentioned that MBB offered him free 10,000 points to offset the service tax when he intended to terminate his card.

will try that once i've received all my 15% cash back

i want to ask if "Statement balance" still in ZERO, do i need to do payment for settlement now for "Outstanding balance"?

wow
i still got the same credit limit even though i have been using their card for 6 years...and my payment is really good for this year
ermmm....maybe i can threaten them by trying to terminate the card

only need to pay statement balance
wait for next statement to include current outstanding balance

thanks for clarification... bcos i confused on "Payment due date" as today is the last day but "Statement balance" showing ZERO... wondering whether to the payment or not...

yes somemore i miss payment once a few month sometimes, and you should be labeled as bad record in CCRIS if you miss payment (oh well) and still they upgrade my limits =.=! I think they are devil trying to lure me into more debts =.=!

but i always pay double the amount of mins payment required la if i skipped, to faster finish the payment =.=!

Why don't u apply for the increasing credit limit at the branch?

"...and my payment is really good..." - I think therein lies your problem. Try a different strategy.
Pay the minimum amount on a balance of say 50% of your CL for say a year. If your CL is $7000, run up a balance of $3500 and then pay the minimum 5% for 12 months and then settle the entire amount. You may get a substantial increase in the CL. Does it actually work? - No guarantees but at the very least you already know that being a good paymaster and settling in full every month has not gotten you any CL increase. My 2cts.

hi, can i know how much is the minimum amount for a single purchase(IT hardware) in order to convert it into installment???


*citibank

its me

using mbb visa plat (not petronas) since 2007. that time got free 3 years annual fee which is expired oct this year. they already sent new replacement card (extend expiry date to another 3 years) on september (1 month before expired).

i called them to cancel, with reason i already had enough card, dont want to pay gst for this 'another' card, also dont want to pay for annual fee.
so they offer to waived annual fee for another 3 years, and they offered 10k points for me to redeem gst
i dont know if this help to waived the annual fee & gst (just additional info) - i always pay my cc statement balance (all cc i had, not only maybank) in full amount or more. never let the bank charge interest on me never had debt

but i will definately terminate this card on sept next year (which i plan to do this year), since not using it so much.

err.. dont think MBB will do that?

This post has been edited by erry-: Nov 21 2010, 03:48 PM

refer to citi website:

minimum amount for conversion is RM500 (no matter IT hardware or else), from 6 – 36 months, flat interest rate of 9.88% p.a - which is 4 me is too high

if u want to purchase IT hardware or something else and convert it into installment, go apply CIMB petronas (free for life) or Direct Access (if u meet the qualification), their installment rate for me is the cheapest - 3% fee for 6 months (min rm500), 4% for 10 months (min rm1k), or 5% for 30 months (min rm3k)

The above promotion ends 31st Dec 2010. Hopefully they will extend it like what they have been doing all these while. I particularly like the BT .

What I'm planning to do is buy RM1K worth of Tesco and Giant cash vouchers b4 the promo ends. That way I can max the rebates if they don't extend the promotion. And you get 5% even on weekdays, dont have to wait for the weekend to shop. But be informed that Giant only offers 6 month validity while Tesco 1 year. Too bad Jusco ain't in the list cos Jusco cash vouchers have NO expiry date.

thanks. i'm looking for best cash rebates card for normal local spending.

my average spending per month for petrol+phone+broadband+astro+tnb+groceries/hypermarket is about rm1600.
still no card can beat OCBC 5% for normal locally spending. but they will capped at rm1000 starting jan next year.
i wish can apply 2x OCBC Titanium

currently using OCBC and DA for petrol and groceries rebates (coz DA offer 5% on weekend at Giant/Tesco)

This post has been edited by erry-: Nov 21 2010, 04:05 PM

haha...
i think u r correct...i always pay what i used...so no interest pay by me
better use amex now