Last time the Rebates option gives you both cash back and Timeless Bonus Points but it seems that it gives only cash back now.

but when i wanted to apply for my 2nd loan last week, i repeated ask the officer, he said is fine as it appears 0 outstanding debt in the ccriss... (dong get me wrong, not wanting to argue here, just stating my findings)
hmmm

It depends on the loan amount you would like to apply for. If the amont is not big and it is well within your repayment capacility, you could get the loan approval easily.


If you choose Alliance Younique "rebate" option, you can still get both cash back and bonus points. Only the "rate" option does not give any bonus points.

Actually the statement given by the CS is true. It is positive is you wish to look at your credit repayment discipline.
The other angle will be a concern should you decide to take on a home loan, etc where credit worthiness is evaluated then you might get stuck as your net worth is a huge gap against your "perceived" credit. Don't compare CC credit against big ticket debt such as home loan because the bank can liquidate your house (and house is deemed as assets) for loan recovery purposes. They can't do the same if you default on your cc payment and recovery is harder.

I know this is difficult to understand to some but in short some personal debt is OK but to overdo the debt will not be good on you.

which is why, in short, having huge CL or lots of CC doent affect the hsing loan application. You got the point that, in housing loan scenario, the bank can resort to auction of the property if one fails to make repayment.

oh yeah.. my 1st credit card have been approve this morning (^^,)V
just now i call to card center to ask... they say this morning approve d... will send by pos laju... receive within 1 week.
but just now got 1 pos laju fella call me n ask when am i... say got pos laju for me ... hope its da card XD

---

Added on November 2, 2010, 1:05 pmlol... just when i finish da msg... da pos laju fella reach.. just got my card XD n they give me 4k CR XD oh yeah.. my taiwan trip this thursday wud b wanderfulXD... kinda excited right now .. having my own 1st credit card XD kakakaka

This post has been edited by leozai: Nov 2 2010, 01:05 PM

congrats! remember, to spend wisely and only swipe if it is within your budget. Dont be a cc debt slave

I think yes he's gonna owe bank money coz he said he want credit purpose. If younique rate card doesn't earn bonus point the i think affin bank is more suitable for him. Am i right?

Can anyone help me with this..
Is the uob one platinum credit card a real platinum card?

I just found that like citibank's cash back platinum card is not really a real plat card.

Thanks

haha, real or fake also same la... now most all ppl also got plat card one, nothing special also la.. like that you can also ask SCB world card is real or not lo... the requirements to get the card is so low le if compare with other bank world card..

No. That is definitely not a Platinum card.


This really is a Platinum card actually. Just a much lower standard Platinum card. You only need a mere RM48k/pa of salary or an existing Gold credit card with a minimum credit limit of RM10k to qualify for this card.

Hmm... thanks for the info... i was in 1U the other day and the agent keep asking me to get that card saying it's a plat. I was curious since my gold card is less than 10k and they prompt me for the One Plat Card...

thanks for the information

you must be really exited as your post above is like a sms msg. haha

just want to tell you to activate the card and tell CS you going overseas (coutries you may use your card) to avoid your transactions not being successfull or them calling you on your mobile to confirm (and you paying overseas rate for the call).

Oh yes @leozai

Quite a fair bit of places in Taiwan would impose a surcharge when you use your credit card. Do take note of that as it means your purchases would be more expensive.

just failed to apply titanium card with my HLB platinum card..i always pay in full and wonder y... =.=///

is the huge limit given may affect our card application?

This post has been edited by 0misae0: Nov 2 2010, 07:22 PM

i just got my "unsuccessful" status in a week...

Me too..my HSBC credit card application declined..I wonder why..is it because I'm holding 2 credit cards..so they dont allow me to get 1 more? or because I'm too young?

any other way to re-apply this titanium card...??? and this will be my second card only...

---

Added on November 2, 2010, 7:38 pmage is not a problem...i think just depend on ur earning...

This post has been edited by xplorex: Nov 2 2010, 07:38 PM

My income is more than the requirement..