I'm there yesterday and ONLY saw HSBC cc counter, NO SCB counter...
Oh ya, i just recall....
HSBC located at Endah Parade main entrance and SCB located at outside K4 cashier counter (LG)
And i recall, the SCB girl looking at me & said "Cash Back, Cash Back"....hahaha...

This post has been edited by rickkywong: Nov 1 2010, 07:33 PM

went i went there yesterday, all the bankers were there together at the MCD ice cream counter.

is it true what our friend say here, even though all the cards are clear every month and without any over outstanding?
Please share with us about this....

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Added on November 1, 2010, 7:38 pmyalor, they are enjoying the MCD ice cream after talk so much....

This post has been edited by rickkywong: Nov 1 2010, 07:38 PM

If you have cleared up all outstanding debt on your card and then cancel it, I see no reason why you can't withdraw your FD immediately since you have just let the bank used your money interest free. Why should the bank hold onto your money?

Your CL are visible to all banks and these are treated as liability (unsecured loan) to the bank's risk management department. (Don't argue about this classification)

We share this many times already before in the past and spoke/discussed this in many occasions. Did you read the past posts or are you lazy to even do a search ?

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Added on November 1, 2010, 8:05 pmYou are using your FD to pledge, it is a different treatment vs. you place your FD as normal means.
Have you done a FD pledge to cc before @wongpeter ?

This post has been edited by hye: Nov 1 2010, 08:05 PM

Don't worry about it. Can be easily overcome by cancelling your card(s) or reduce your CL if the need arise. Just continue to settle in full and don't pay interest on outstanding balance.

This post has been edited by Gen-X: Nov 1 2010, 08:30 PM

from the alliance bank officer (the one where i approach to apply for younique card),
Alliance Younique CC is a gold card, so the minimum income is 36k (no longer offering classic card)

however in practice, it differs, especially when you hold a cc with other bank with good credit history, they still consider you even u did not reach their requirement... may give it a try...

for this year they give me back rm50 as a "welcome gift" to offset government gst

This post has been edited by hebe87: Nov 1 2010, 08:59 PM

There is one outside of Carrefour Mid Valley. Near Lavender Bakery.


Not necessarily so. Someone took such route but was declined. It was OCBC Bank for Titanium MasterCard, by the way.


Once the status of your credit card is confirmed to be canceled, the staff at the branch can help you to withdraw the money immediately. This is for HSBC only though. Not sure how it works for other banks as all banks practice a different policy.


It is not RM36k. It is only RM18k. Written so in their credit card application form.

I really doubt SCB will approve 3 cards at one time for one cardholder.

Oh ya.. midvalley... okok will go there instead... nearer..

Redo


This post has been edited by rickkywong: Nov 1 2010, 09:32 PM

Thanks miles and hebe,asking these on behalf of my work mate. He plan to apply 1 credit card for emergency and credit purpose. He consulted me what care suite him the most,i plan to tell him alliance younique with rate feature.

So, what you are trying to say here is by having high CL is not a good sign, be careful!

As we know this CC topic already come to V12 and not everybody started it from the beginning, that's why we have repeat & repeated question over here from all members. And we are expecting sharing with politely. Please do not answer/share or even hit the reply button if you are not willing to explain/share in a polite or sincere way...

My suggestion answer: "Please refer to the past post or you can make a search on this question for further details"

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Added on November 1, 2010, 9:35 pmthis way of sharing is what we call polite with manners......Thank you Gen-X...

This post has been edited by rickkywong: Nov 1 2010, 09:35 PM

true, but if you always pay in full and no other outstanding credit facilities, your loan app shud hv no prob

my total CL almost = my annual salary (previously exceeded, but request to reduce CL for 2 of the cards), but I still manage to get housing loan from 3 banks recently (applied 3 banks only)

of course, if you don't need the CL, reduce it

maybe SCB never reach their quota yet...
still got chances as i was offered by HLB before many years back. 1 visa gold, 1 mc gold & 1 amex gold. But with sharing CL....

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Added on November 1, 2010, 9:45 pmthank you for your reply, i really like the way you share. You speak professionally, understanding & mature way...not like someone else in a rude way..

This post has been edited by rickkywong: Nov 1 2010, 09:45 PM

On another thought ... everyone's is entitled to their own opinion and myself included.
Too bad this person is asking others to subscribe to a personal opinion. I won't stoop so lowly like that.

This post has been edited by hye: Nov 1 2010, 10:38 PM

Is he always going to owe the bank money ? I mean not paying in full every month ? Because the Alliance Bank Younique MasterCard rate card doesn't give any Timeless Bonus Point or cash rebate.

anyone know about Eon bank cash rebate for new applicant. I heard before this swipe X 3 and get RM 50 rebate on the 3rd months. but my friend got RM50 on the third months and another RM20 on the 4th months. never heard that they offering RM70 rebate

THank you ~ I will really consider about it ..

From their website, it seems there are 3 packages to choose for the Younique card: Rebates, Rates and Rewards. For Rebates, theres up to 2% cash back (without any restriction, except the spending range from 2k - 5k, i think) and for Rewards, there is double Timless Bonus Points. The down side is you can only CHOOSE 1 "package" out of the 3 options.