huh? combine limit? i thought supp card will have combine limit? new principal card combine limit meh?

their CC market is the largest in Malaysia if i'm not mistaken

same with ur current credit limit

If other banks' cc also employ Evergreen Reward point programme, I bet Citibank will lose some market share.
CIMB/DA cards offer great benefits/rebates, but the worst drawback is its 3-year point expiry period.
SCB also has great dining privileges, but potential applicants could be held back by non-evergreen points.

However, it all depends on the spending amount within this 3 years. Let say the smallest redemption is worth 10,000 pts, which means you gotta spend (10,000 / 36 = RM277.77) per month to gather 10k points before it goes expired.

This post has been edited by chemistry: Nov 23 2010, 01:48 PM

If i have 2 credit cards from the EON bank, the bonus point Rm1 = 1 point will be combined or seperate points for each card.

For a second card without credit limit increase, then no.


Citibank uses customer credit limit. Basically you just have to remember the card with the highest credit limit. That would be your total usable credit limit.

Not for me, I've been a Maybank CC owner since 2002 with almost a 6-figure credit limit and 5-figure expenditure every year. They didn't blink when I said I'd like to cancel because I didn't want to pay GST so I cancelled. The gorgeous customer service lady at their 1U branch said management usually doesn't budge when threatened with cancellations and they had no power to do anything about it.

Good luck to you when trying.

Same goes to me because I think that upon cancelling the AMEX, I'm still holding Visa Petronas.

maybank dont rely too much on cc business. they dont bother whether u wan to cancel your cc or not coz they still got other customer and they are the largest bank in msia

MBB is the largest credit card issuer in Malaysia?

largest bank in malaysia
and if they thk like that, from there on, there's only one way to go --- down

Not the largest credit card issuer in Malaysia?

You should have called their card center.

Gentlemen

Can we be more careful about using the term "threatening" the banks when it come to the GST subject? Already there has been a reader who want to only apply a card with the GST "waived" or else. And slowly the past few replies have been circling around "threatening" the banks to waive the GST.

IMHO ... I don't think we are setting the right example here in this forum and let's be more responsible for what we say. This thread was originally created to educate reader on good credit card consumer management and definitely not how to arm twist the banks about getting your own way. I have no issues about getting our value for money but to this extent then I don't think it's appropriate anymore.

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Added on November 23, 2010, 7:02 pmLargest credit card issuer in Malaysia is Citibank. Followed by Maybank and CIMB.
MBB had all along was the largest local credit card issuer.
CIMB card base grew because of Southern Bank acquisition, back then CIMB cards (a few years back) were something you wanted to avoid.

This post has been edited by hye: Nov 23 2010, 07:02 PM

well, there's a few cases where it didn't work

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Added on November 23, 2010, 7:45 pmfrom where did you see MBB as the largest cc issuer in MY?

This post has been edited by alexwsk: Nov 23 2010, 07:45 PM

Citibank never persuaded me to retain their card. I cancelled three Citi cards already.
Giant, Gold, Shell Gold.

I cancel my UOB, immediate get call from their HQ ~"~ Pretty Preferred Platinum . . . Let it survive in my card holder one more year.

May i know what is the Maximum limit for SCB Business Plat? 50k HCBS can get how much?

If you don't like the term "threatening", perhaps you could think of it as "negotiating".

"negotiating" includes the "or else" and "arm twist the banks", metaphorically speaking only, and nothing illegal, of course. And that's a perfectly valid thing to do.

Mm...this doesn't look like Citi. Normally they will offer you if you swipe certain amount or few times within weeks, they will waive the Annual fees and give you cash rebate.

But I think these kind of co-brand cards will 'die' very soon, as it cannot beat certain cashback card.

The bank did provide several solutions to me.
Either spend RM2k in 2 months' time OR subscribe to one Autopay service will do. At that time it was impossible for me to fulfill either one condition.

Talking about cancellation of Shell card recently, the bank did not even advise/persuade me, straight away proceed OK lor, cancel then cancel lor