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Credit Card v12, Credit card GST remains....
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charymsylyn
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 Dec 2 2010, 02:47 PM
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QUOTE(erry- @ Dec 2 2010, 09:41 AM) my record are clean. NEVER had debt. cc all paid full/more. i dont have any loan (house/car all paid cash) - this also suprised the OCBC officer who took my application, since at the form i thick residental status - own, then she ask house loan from which bank, i said no loan. car loan? no car loan also. really need that 5% rebate for petrol+bill+groceries :( :( :( my mom told me, maybe, the bank think i'm able to pay, then no need la give me 5% rebate :x Your understanding of how banks view CC debt is actually the opposite way. The most important criteria is actually not whether you can repay the debt, but actually how much they can earn from you. Since your debt level is zero, it means your ability to repay is too good and you are actually a very poor customer to the bank. The best customers to the bank are people who are unable to clear their CC debt but do not actually default. |
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jensen_tidus
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Dec 2 2010, 02:49 PM
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I have a question to discus with.
I did a lot of online transaction with my Hsbc, so I registered securecode for it.
But now I wanted to create the visa verified thingy for Uob, I can't find it is the website.
Is it all banks have that feature?
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SUSpersistence85
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Dec 2 2010, 02:50 PM
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QUOTE(erry- @ Dec 2 2010, 12:39 PM) honestly, more  DA Plat requirement is higher than OCBC Titanium. besides, i use DA for more than 3 years without debt. btw, why need to wait for another 6 months? i only have 4, all never had debts. DA is now under CIMB, hard to access? besides they can check with CCRIS/CTOS right? yes my DA is Malaysian issued cc, from CIMB. What I dont understand is, 1st time apply with current cc not approved. 2nd time with all supporting documents also not approved. And they said they cannot tell the reason. Any OCBC agent here?  wow.. you have 4 credit cards? i guess this is the reason ur application went unsuccessful? once application get unsuccessful, need to wait another 6 months then only can apply lor.. except u apply for another type/brand of credit card.. |
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yuunasue
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Dec 2 2010, 02:59 PM
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Getting Started
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Last month i rcv my CC from CIMB, but im thinking to sign up their prime plan. Do i need to surrender petronas to get std plat card? BTW, nvr use the card since rcv.
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alexwsk
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Dec 2 2010, 03:16 PM
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QUOTE(jensen_tidus @ Dec 2 2010, 02:49 PM) I have a question to discus with. I did a lot of online transaction with my Hsbc, so I registered securecode for it. But now I wanted to create the visa verified thingy for Uob, I can't find it is the website. Is it all banks have that feature? not every bank has it |
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zenquix
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Dec 2 2010, 03:33 PM
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QUOTE(jensen_tidus @ Dec 2 2010, 02:49 PM) I have a question to discus with. I did a lot of online transaction with my Hsbc, so I registered securecode for it. But now I wanted to create the visa verified thingy for Uob, I can't find it is the website. Is it all banks have that feature? Maybe you need to call in to activate 3-D secure as stated in this website https://www.onlinepayment.com.my/NBepay/3dreg.htm |
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bingozero
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Dec 2 2010, 04:25 PM
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QUOTE(persistence85 @ Dec 2 2010, 08:39 AM) You apply with existing card and get rejected? Maybe ur existing card not 1 year or ur credit limit low?  I apply with my existing card with 10K limit, don't know what reason they rejected me  |
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soitsuagain
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Dec 2 2010, 04:45 PM
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QUOTE(chemistry @ Dec 2 2010, 01:34 PM) Degree is Degree, if you fail to comply with the requirement, don't blame the bank. Ask your friend to explain to the bank, why CFA is higher than a Degree. Then the bank's management may consider to have a meeting and discuss about this matter. It is okay, they approved him the Visa Infinite instead. It was when he received a different card that he calls them up and ask why but when he confirms it he just kept his mouth shut. It is only me complaining. |
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SUSpersistence85
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Dec 2 2010, 04:52 PM
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QUOTE(bingozero @ Dec 2 2010, 04:25 PM) I apply with my existing card with 10K limit, don't know what reason they rejected me er.. which bank's credit card u used to apply? |
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bingozero
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Dec 2 2010, 05:45 PM
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QUOTE(persistence85 @ Dec 2 2010, 04:52 PM) er.. which bank's credit card u used to apply? I use maybank cc to apply for it, I will try again later. |
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chemistry
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Dec 2 2010, 05:57 PM
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QUOTE(soitsuagain @ Dec 2 2010, 04:45 PM) It is okay, they approved him the Visa Infinite instead. It was when he received a different card that he calls them up and ask why but when he confirms it he just kept his mouth shut. It is only me complaining. So, the fact is, CFA member is eligible for Visa Infinite instead of lower grade Platinum  |
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SUSpersistence85
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Dec 2 2010, 06:05 PM
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QUOTE(bingozero @ Dec 2 2010, 05:45 PM) I use maybank cc to apply for it, I will try again later. oh weird ah get rejected? ur maybank cc using fixed deposit pledge? |
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Gen-X
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Dec 2 2010, 07:22 PM
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Lifetime LYN Member
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QUOTE(gerrardling @ Dec 2 2010, 09:55 AM) can u list down the places that offer 10% discount ? why u cancel citibank clear cc ? Aiyoh, cannot remember all the places lah at mostly shopped at departmental shop only at Takashimaya and OG (gives 8% discount card for tourist) only but one of them was Adidas outlet at Paragon where I did not get the 10% discount as no Citi card. Cancelled my Citibank Clear Card because places I do spend my money don't give discount with Citi so seldom use it. Find AMEX, HSBC and CIMB/DA better than Citi for my case. By the way, got sms from HSBC, got TagHeuer, Fendi & Dior watches sale up to 70% at 28th floor Central Plaza, Jln Sultan Ismail on 3-4th Dec10am to 4pm. HSBC card additional 10%. |
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erry-
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Dec 2 2010, 07:30 PM
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QUOTE(soitsuagain @ Dec 2 2010, 01:21 PM) The problem is he is not applying for any of those professionally branded cards. He is applying for a normal DA Visa Plat. He may only has a diploma but a degree is lower than a CFA.  i never know that degree is lower than CFA. honestly i also dont want to about CFA, and dont want to know. QUOTE(soitsuagain @ Dec 2 2010, 04:45 PM) It is okay, they approved him the Visa Infinite instead. It was when he received a different card that he calls them up and ask why but when he confirms it he just kept his mouth shut. It is only me complaining. wah ur friend with diploma got annual salary 200k! QUOTE(chemistry @ Dec 2 2010, 05:57 PM) So, the fact is, CFA member is eligible for Visa Infinite instead of lower grade Platinum even lower gold card too!  This post has been edited by erry-: Dec 2 2010, 07:34 PM |
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bingozero
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Dec 2 2010, 09:19 PM
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QUOTE(persistence85 @ Dec 2 2010, 06:05 PM) oh weird ah get rejected? ur maybank cc using fixed deposit pledge? Don't know about OCBC since they don't want to tell me any reason why rejected, my maybank cc not using fixed deposit pledge. |
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SUSpersistence85
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Dec 2 2010, 09:31 PM
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QUOTE(bingozero @ Dec 2 2010, 09:19 PM) Don't know about OCBC since they don't want to tell me any reason why rejected, my maybank cc not using fixed deposit pledge. maybe u call them and keep asking why got rejected? or ur annual salary didnt meet their requirement?  This post has been edited by persistence85: Dec 2 2010, 09:32 PM |
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nothingz
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Dec 2 2010, 10:22 PM
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QUOTE(jensen_tidus @ Dec 2 2010, 02:49 PM) I have a question to discus with. I did a lot of online transaction with my Hsbc, so I registered securecode for it. But now I wanted to create the visa verified thingy for Uob, I can't find it is the website. Is it all banks have that feature? uob does not require secure code to purchase online |
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jensen_tidus
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Dec 2 2010, 11:14 PM
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QUOTE(nothingz @ Dec 2 2010, 10:22 PM) uob does not require secure code to purchase online thanks everyone for answering my question. now i know i need to be very careful with my uob card. if it's lost, then i'm in deep trouble. |
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jonuslee
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Dec 3 2010, 12:20 AM
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Does CIMB Petronas CC and DA has paypass function??
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chemistry
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Dec 3 2010, 01:24 AM
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QUOTE(jonuslee @ Dec 3 2010, 12:20 AM) Does CIMB Petronas CC and DA has paypass function?? Yes, all CIMB Mastercards have PayPass feature. |
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