this how people get into debts... by overspending.

Billion is just like Jusco. It is a supermarket or departmental store. To be safe, you would better to shop at bigger hypermarket chain like Giant and Tesco in order to get the 5% rebate guarantee.

can someone explain on this term while applying for new OCBC titanium cc.
"0% Balance Transfer for 6 months" meaning whut?

does anybody know bt HSBC Security Device for the Internet Banking service? Do they give it to HSBC credit card users or what? (I just had my HSBC Visa card for near a month but they never send me this device tho)

I actually don't have account with HSBC, I only use HSBC credit card. N yep I have access to Internet Banking by registration thru online. I'm just curious bt wat is this security device? So they only give it to their account holders for internet banking but nt credit card?

No need to register for internet banking account over the counter to view CC statement online eh...I can view my statement online by registering online myself at home.

can i know which bank now giving out CC most easily?

ooo... thx .... btw ... wat document needed?

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Added on October 24, 2010, 5:08 pm

ooo... thx .... btw ... wat document needed?

I am nt sure oso. I kept wondering if I need the security device or will they be sending me the security device or not, till now I never receive that device. they just sent me a PIN number thru letter before i got my CC to access online banking.

i only got 2 month payslip +epf statement + employment letter + bank statement only... dun have credit card b4 this...
its this document enuf?

ok thx... btw... once u apply how long u take da time to get da card?

if i have a existing credit card more than 6 months , can i qualified to apply for cimb credit card?

or must have a existing 1 yr credit card then only can apply for cimb?

heard AMbank only need existing credit card more than 6 months only?

MBB has already started to grant free 10,000 points for customers to offset the RM50 service tax.

Let's hope they offer me 10,000TP on my next request to terminate their SonyCard.

Not for me, I've been a Maybank CC owner since 2002 with almost a 6-figure credit limit and 5-figure expenditure every year. They didn't blink when I said I'd like to cancel because I didn't want to pay GST so I cancelled. The gorgeous customer service lady at their 1U branch said management usually doesn't budge when threatened with cancellations and they had no power to do anything about it.

Good luck to you when trying.

direct access is not same as cimb credit card right, their rewards and so on also different.