Call them up and request that they upgrade your card. If they don't want give you, with your income, go get other banks Plat card which are free e.g. DA, Alliance, etc.

Same thing, call them up for increase in CL.

If you want something, you got to do it yourself. If the CS on the phone is unable to entertain your request (you got to note that CS have no approval authority), write/email to HQ so that your request will reach the "correct" person and tell them why they have to satisfy your request. When talking to the CS, always take down her/his name and follow up with the same person, so when you write or email to HQ you can always refer to the conversations with the CS.

By the way, have you been paying annual fees for your Gold Card?

This post has been edited by Gen-X: Nov 5 2010, 09:21 AM

Since you been paying the annual fees for your SCB Gold CC and happy with their service I guess you won't mind paying the annual fees for the Plat card. Next time around, do ask for annual fees waiver, even if they don't give full waiver, SCB may give you partial waiver and that still save you more than RM50.

But like I said, do try out the free Plat cards by Direct Access or Alliance, you may need to pay RM50 GST but that's cheaper than paying the annual fees. Or maybe consider the OCBC Titanum card which is a cash back card with no annual fees and you get 5% cash rebate for ALL petrol station, dining, groceries and utilities.

This post has been edited by Gen-X: Nov 5 2010, 05:59 PM

Maybe it is because they are kiasu and want the "best" People here also want the best but not willing to pay for it.

Interest charges of RM36.55 for RM566.66? That equivalent to 6.45% and when annualize thats a whopping 77.4%. Never take cash from CC.


Why you want to terminate HLB Essential? As winner mentioned, Alliance cash back is based on tier and unless you spend like RM5K the cash back not much. Based on your monthly transactions do make a comparison before applying for Allaince. And also Alliance CS sucks after 9pm.

As everyone mentioned, do apply for OCBC Titanium if you qualify.

On another note, if you do cancel your HLB card, the CS may just call you and offer you free annual fees and rewards points to cover for the GST for the next 3 years.

With Alliance Bank Visa rate now comparable to other cards, I reapply for MBB Petronas Plat Visa last week and today called up CS and was told application has been approved.

So anyone here knows if get 2X for overseas spending with MBB Petronas Card?

SCB VI also issued to people having loan with SCB.

As for SCB 1 year FD, there's no promotion rate and rate lowest (unless opt for the weird 5 years FD tenure where interest rate is changeable). For 1 year FD better go deposit with another bank and get extra RM2500 cash and free gift too.

Unless one goes overseas often, what other better benefits does SCB VI offer over other Plat cards?

OCBC Titanum offers 1% cashback for general transactions, so how is above 1% of importance?
got the email too, but since it only up to Dec 2010, lazy to go and change auto debit to OCBC.


just got my OCBC Titanium statement today too. Unlike AMEX Gold CC where it list down the merchants where we get extra 3X points, OCBC doesn't breakdown the cash back. Got charged interest of RM221.09 and noted there was a reversal for the same amount. Next month got to fast fast do BT to DA and enjoy another 6 months 0% interest. Got max cashback of RM120 Last month miss the max cash back by RM20.

No lah, no outstanding amount owing as BT account also settle accordingly not to kena interest. If add all the credit facilities provided to me by banks, the amount of BT I do is like negligible. Never got problems getting credit card approved nor getting loans from banks and not thinking of getting any loans in the near future.

Got BT facilities with 0% interest might as well make use of it.

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Added on November 16, 2010, 6:35 pmguess that answer my question on 2X Treatpoints for MBB Petronas Plat.

This post has been edited by Gen-X: Nov 16 2010, 06:35 PM

auto waiver if spend RM36K per year.

You can also get RHB Premier Platinum Credit Card which is free as along as you are a PB member. i.e. different application form from standard Plat card application form.

I am cheap all my cards no annual fees or waived (except a stupid debit card which I have to pay RM50 annual fees for it!) And all credit cards ARE cheap plastic, haha except for AMEX Black card, even if I qualify (in my dream), would not pay for the fees .

This post has been edited by Gen-X: Nov 16 2010, 10:01 PM

Cash One Loan, isn't the interest high and interest charged just like Personal Loan (non reducing). You should be thankful to the application department for rejecting your Cash One application.

As for the card, how come they cannot check CL when it is already approved? They should also be able to tell you if it is a Plat card or not. Call them again and ask.

good idea, gave me idea on how to get imitation AMEX Black Card. That would make me really cheap, haha


Me got no CIMB account. Now starting to collect Debit Cards, so far got 4 Debit Cards already.

Wah you do swipe a lot until both DA and HSBC cards got problems. But you are right, my previous HSBC Plat and DA Plat card also "broke" near the magnetic strip.

Haha, all cards are stupid since they can't do anything by itself, but then again maybe I am the stupid one since did not read the T&C before signing up . Got the RHB debit card because want to skip q to get to teller, and RHB charging me for this! The card only gives cash back 0.5% for transactions, however it does give 4X access to KLIA, LCCT and Senai Lounges. Alliance Plat Debit Card with 2% cashback which is technically free is much better in my opinion.

Having said above, I have yet to use any of my Debit Cards for transactions but mainly to withdraw emergency cash.

Now itchy want to get RHB Plat CC. They getting me the PB application form for Plat Card as was informed that the normal form for Plat card no auto annual fee waiver.

My 4 Debit Cards issued from Alliance, RHB & UOB and a new HLB ATM card, so free withdrawal not really a concern. Moreover my Debit Cards all link to Savings Account where got less than RM1K most of the time so don't need high withdrawal limit. Never carried an ATM card for more than 10 years until last year got my first Debit Card link to SA. Last week got myself HLB PB ATM card (because they don't have Premier Debit Card) as need to open internet account for my children HLB Junior Debit Card Now no longer need wait in q for teller anymore at HLB branches.

Reason why Plat starting CL have been reducing is because income to qualify for Plat have been reduced to RM60K which was the minimum income for Gold years ago. However this is good for the general public as Plat cards do offer better travel insurance and purchase protection compared to Gold cards.

As for your Citi Silver RM30K, that may be the max CL already.

Nowadays to show "status" need Premier Cards, Visa Infinite or World Master Cards; then again most us here want the OCBC Titanium card for general day to day use.

yes, you got to pay minimum 5% of BT amount. Click on my signature below to learn more on DA BT.

and also here http://creditcardsmalaysia.blogspot.com/20...0-interest.html

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Added on November 17, 2010, 10:48 pmWhat card you applying, as far as I remember there is no column for guarantor in application form.

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Added on November 17, 2010, 10:50 pmIt should take less than 14 days after it has been approved. The officer most probably told you 14 days to play safe.

This post has been edited by Gen-X: Nov 17 2010, 10:52 PM

so troublesome, need company chop and guarantor. Company chop is not for personal use. Go get another credit card. 1st time I have heard CC also need guarantor.

no idea, call them and ask and report back here.

after i read above, i more confuse, hahaha

For DA BT, very simple. DA will open separate account where you only need to pay 5% of the BT amount (and following months 5% of the outstanding amount) and whatever not paid (i.e. 95% of amount) will be interest free for that month. However must settle in full by end of six months and close the account else will get high interest charges on the 7th month.

yes you can as long as you still have available credit

just wanna ask you, your OCBC is Titanum and new account?

If yes to above, you will be getting 0% interest for your OCBC until end of Dec. So just BT your OCBC amount to DA next month and enjoy 1 extra month 0% interest for the amount in OCBC.

This post has been edited by Gen-X: Nov 17 2010, 11:36 PM

OIC, just as a friendly reminder, with 0% interest free you still got to pay back principal and make sure you have funds on hand today for whatever transactions you make today and not fall into bank trap enticing you to spend what you don't have (i.e. cash).

1000 smile points = RM15 petrol

The Star reported that as of 30 Sep this year the total Credit Cards in circulation stands at 8.7million compared to 10.8million end of last year. And only 1 million supp cards now.

That's a whopping 2 million less cards in circulation. No wonder we now hear that even MBB is offering reward points to offset GST.

With the GST, the banks are offering more offers to attract new customer and maintain existing customer. Great for us who uses credit cards.

I don't think it is capped at RM30 for petrol. Someone mentioned long ago in this thread that the cash back is RM30 when using the OCBC website sample calculator for cashback. But it is not mentioned in the T&C.