Credit Card v12, Credit card GST remains....
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 Oct 22 2010, 06:56 PM
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Junior Member
208 posts Joined: Aug 2009  
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QUOTE(gerrardling @ Oct 22 2010, 05:00 PM) how to check cc payment due date through citibank online ? after log in click on the blue color word with your card type & card number look for a line say's (RMXX due on xxx) This post has been edited by SeanChang: Oct 22 2010, 06:58 PM |
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Oct 22 2010, 07:09 PM
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Senior Member
8,650 posts Joined: Sep 2005 From: lolyat
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QUOTE(carlitofreak @ Oct 22 2010, 06:10 PM) I didn't submit any documents to back up my application. I only send a simple letter to appeal the application. But i do wrote down i my letter that i'm interested with their card just bcos it's the best all rounder CC atm. i think maybe thats help me did u qualify for the requirement? eg. annual income 36k? |
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Oct 22 2010, 07:24 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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Guys, I planning to cancel the 5 credit card with me ... which 1 shall I keep ? I currently pumping BHP petrol so I think I gonna keep UOB CC.
The card I have is UOB Classic,CIMB Classic,GSC Eon CC,PublicBank Classic & HongLeong Classic card. Anyone can advise ?  |
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Oct 22 2010, 07:32 PM
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Junior Member
19 posts Joined: Sep 2010
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QUOTE(WhiteWing @ Oct 22 2010, 07:24 PM) Guys, I planning to cancel the 5 credit card with me ... which 1 shall I keep ? I currently pumping BHP petrol so I think I gonna keep UOB CC. Again, keep the card which provide you with the highest limit.The card I have is UOB Classic,CIMB Classic,GSC Eon CC,PublicBank Classic & HongLeong Classic card. Anyone can advise ? |
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Oct 22 2010, 07:37 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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QUOTE(0misae0 @ Oct 22 2010, 07:32 PM) Again, keep the card which provide you with the highest limit. HongLeong,EON Bank & Public Bank gave me 4k credit limit.UOB & CIMB gave me 3k credit limit. |
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Oct 22 2010, 07:49 PM
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Junior Member
30 posts Joined: Jan 2009 From: /AS/ not US 
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QUOTE(Alec.Yong @ Oct 22 2010, 04:24 PM) Mr Miles, Affinbank and Bank Rakyat still have the world "Gold" printed on their gold credit card. lol.he said usually.but yeah it is. QUOTE(carlitofreak @ Oct 22 2010, 05:08 PM) My appeal for my application of OCBC Mastercard Titanium has been successful what is requirement for titanium?usually i heard platinum.what is the benefit?Last week thursday, my application status was not successful. So on Monday I had submitted an appeal letter to their credit proccesing department. Today, i called them up and they told me that my card is successful and will sent out to my house next week. Quite happy since this is my 1st Credit Card application. |
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Oct 22 2010, 07:54 PM
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Senior Member
928 posts Joined: Feb 2006 From: s a n t i a g o . b e r n a b e u
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QUOTE(yhtan @ Oct 22 2010, 07:09 PM) did u qualify for the requirement? eg. annual income 36k? To be truth im not qualified. My salary is around RM2000 per month. Im not even submit my payslip since i dont have one. I applied the card by opening FD account and deposit a sum of RM5000. And i dont even have CCRIS record too. |
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Oct 22 2010, 08:03 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(WhiteWing @ Oct 22 2010, 07:37 PM) HongLeong,EON Bank & Public Bank gave me 4k credit limit. The difference is very marginal. If I were you, I'll cancel all and just keep UOB since you are using it actively.UOB & CIMB gave me 3k credit limit. |
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Oct 22 2010, 08:03 PM
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Senior Member
3,064 posts Joined: Mar 2009 From: N.Sembilan
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QUOTE(WhiteWing @ Oct 22 2010, 07:24 PM) Guys, I planning to cancel the 5 credit card with me ... which 1 shall I keep ? I currently pumping BHP petrol so I think I gonna keep UOB CC. Just keep the card that rewards you the most.The card I have is UOB Classic,CIMB Classic,GSC Eon CC,PublicBank Classic & HongLeong Classic card. Anyone can advise ? How much rebate do you earn for purchases at BHP? Do you always watch movie? How much can you save in a year? CIMB Classic (Mastercard) offers 5-10% rebate at Giant/Tesco/Guardian/KFC on weekends, are you aware of this? Do you have kids? If yes, you may consider dining at places where 'KIDS EAT FOR FREE'. If no kids, cut it. Public Bank card, I don't find any special. This post has been edited by chemistry: Oct 22 2010, 08:05 PM |
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Oct 22 2010, 08:10 PM
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Junior Member
241 posts Joined: Dec 2006
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QUOTE(carlitofreak @ Oct 22 2010, 07:54 PM) To be truth im not qualified. My salary is around RM2000 per month. Im not even submit my payslip since i dont have one. I applied the card by opening FD account and deposit a sum of RM5000. And i dont even have CCRIS record too. What is the CL given?U may choose to not answer, just to satisfy my curiosity. |
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Oct 22 2010, 08:16 PM
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Senior Member
928 posts Joined: Feb 2006 From: s a n t i a g o . b e r n a b e u
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QUOTE(travelyew @ Oct 22 2010, 08:10 PM) What is the CL given? The credit limit will follow ur FD amount. So in my case my credit limit would be RM5000 U may choose to not answer, just to satisfy my curiosity. |
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Oct 22 2010, 08:31 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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QUOTE(hye @ Oct 22 2010, 08:03 PM) The difference is very marginal. If I were you, I'll cancel all and just keep UOB since you are using it actively. Ohh ok. Thank you  ~ QUOTE(chemistry @ Oct 22 2010, 08:03 PM) Just keep the card that rewards you the most. 2% for every transaction at there ? How much rebate do you earn for purchases at BHP? Do you always watch movie? How much can you save in a year? CIMB Classic (Mastercard) offers 5-10% rebate at Giant/Tesco/Guardian/KFC on weekends, are you aware of this? Do you have kids? If yes, you may consider dining at places where 'KIDS EAT FOR FREE'. If no kids, cut it. Public Bank card, I don't find any special. I watch atleast once a week so 1 months got 4 times go to cinema I don't really aware of this .... I don't go Giant,Tesco , Guardian or eat KFC too .. can cuts ! No kids ...can cut ~! PBB ~Cut ! |
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Oct 22 2010, 08:52 PM
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Junior Member
232 posts Joined: Jul 2009
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QUOTE(Gen-X @ Oct 21 2010, 10:40 PM) Well, if you do have overseas transactions then I would suggest you keep MBB Petronas since it is free and has the lowest rate for overseas transaction. I regret cancelling my MBB Petronas as now Alliance Visa overseas rate is high. Thanks advise. As the the other cards, cancel all and get OCBD Titanium Cancel UOB One Plat as OCBC Titanium better as gives 5% at all petrol station, groceries store and for dining. Cancel HSBC Premier if you have it because you deposited FD with them. There are better rates from other banks for up to one year tenure (for comparison, RM200K you can get RM1500 extra interest a year). However before you cancel HSBC Premier, go apply for CIMB WMC using your HSBC CC. If you did read previous posts, with HSBC CL of RM30K, you can qualify for CIMC WMC. With CIMB WMC cancel your CIMB Petronas as CIMB WMC got better offer. With OCBC Titanium you get 5% rebate for all petrol stations so no need CIMB Petronas. Citibank Signature - well this is SG card? Guess you would want to keep it. Since i'm not staying at Msia, so far i didn't enjoy any benefit from local card issuer. BTW my HSBC offer me 3+% interest some more holding lots unit from them. So far that is best services their provided compare with other bank. Heard that ocbc titanium offer until end of till year, so far not interest with those short term offer, consider standchart privilege from worldwide, airport lounge entry. Does cimb offer better? Citibank will keep it unless . . . ( lost it ??? ) haha . . . best card !! no preset limit . . Compare with previous rhb VI, differ class, better n better. . . What do you think about UOB prefered Plat ? Their asking me to take just keep relation with them cos today i go to cxl my card ! |
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Oct 22 2010, 09:05 PM
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Junior Member
290 posts Joined: Oct 2010
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ocbc a bit stingy on the credit limit...
somemore said it here.... and its true i only got a mere 14K cl for ocbc, whereas my cimb upgraded to platinum with rm70K cl is it possible to ask ocbc increase the cl by faxing income docs? if salary say rm10k, how much cl can get? |
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Oct 22 2010, 09:16 PM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(Robin Liew @ Oct 22 2010, 09:05 PM) ocbc a bit stingy on the credit limit... Frankly speaking, CIMB is famous for granting high CL so that your CL in CIMB is actually an artificial figure and it does not reflect your income capability. If your gross salary is RM10,000 per month, your CL should be around RM30,000.somemore said it here.... and its true i only got a mere 14K cl for ocbc, whereas my cimb upgraded to platinum with rm70K cl is it possible to ask ocbc increase the cl by faxing income docs? if salary say rm10k, how much cl can get? |
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Oct 22 2010, 09:20 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(Robin Liew @ Oct 22 2010, 09:05 PM) ocbc a bit stingy on the credit limit... I don't quite get why people want a higher credit line for their OCBC Titanium MasterCard. The total rebate one can get is capped at RM50/month starting from next year. Why do you guys need such high limit then ? RM10,000 is more than suffice.somemore said it here.... and its true i only got a mere 14K cl for ocbc, whereas my cimb upgraded to platinum with rm70K cl is it possible to ask ocbc increase the cl by faxing income docs? if salary say rm10k, how much cl can get? |
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Oct 22 2010, 09:32 PM
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Senior Member
3,064 posts Joined: Mar 2009 From: N.Sembilan
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QUOTE(WhiteWing @ Oct 22 2010, 08:31 PM) 2% for every transaction at there ? You are not aware of CIMB card's benefits, why in the first place did you apply? because of gifts?I watch atleast once a week so 1 months got 4 times go to cinema I don't really aware of this .... I don't go Giant,Tesco , Guardian or eat KFC too .. can cuts ! No kids ...can cut ~! PBB ~Cut ! |
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Oct 22 2010, 09:33 PM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(MilesAndMore @ Oct 22 2010, 09:20 PM) I don't quite get why people want a higher credit line for their OCBC Titanium MasterCard. The total rebate one can get is capped at RM50/month starting from next year. Why do you guys need such high limit then ? RM10,000 is more than suffice. I guess some forummers want to take advantage of the 0% retail interest till end of this year and 0% BT interest till March next year. For the 0% BT interest promotion, OCBC only accepts a BT amount of not more than 60% of your available CL.This post has been edited by winner: Oct 22 2010, 09:35 PM |
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Oct 22 2010, 09:45 PM
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Senior Member
2,991 posts Joined: Jun 2007
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QUOTE(wongpeter @ Oct 22 2010, 11:29 AM) What free gift are you referring to? Is it a free Apple iPhone offer? I don't know what's the free gift. Just trying my luck. Usually these roadshows will have free gifts to encourage people to sign up right? QUOTE(carlitofreak @ Oct 22 2010, 07:54 PM) To be truth im not qualified. My salary is around RM2000 per month. Im not even submit my payslip since i dont have one. I applied the card by opening FD account and deposit a sum of RM5000. And i dont even have CCRIS record too. Congrats. Now that you have your first CC, you can build your credit history with CCRIS. Take good care of your credit history. Be punctual with your repayment. When you've got a good credit history, in the future easier to apply for mortgage. |
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Oct 22 2010, 10:14 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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QUOTE(chemistry @ Oct 22 2010, 09:32 PM) You are not aware of CIMB card's benefits, why in the first place did you apply? because of gifts? That CIMB is my first credit card and I need it because I got car and because of petrol rebate on 2 years ago.This post has been edited by WhiteWing: Oct 22 2010, 10:15 PM |
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