The question sounds like he want to apply credit card which offer such plans and buy things on installment.
I hope I didn't guess the intention correctly coz that's a bad move towards personal cash management.

Just to share MBB BT also uses separate account. No worries about payment hierarchy problems.

Approval of the OCBC TI is not about how high your current CL is. It is about how your good you are in their eyes. OCBC got very strict risk management policies. They guess that OCBC TI product could possible become a big hit with consumers thus every application need to be carefully screened. While the OCBC TI can potentially increase their customer base but at the same the risk for higher NPL from bad customers also increases.

That explains why they are extremely careful about approving the application. (Don't know whether what I am saying will make sense to you guys or not)

I asked for 1/6 of my CL and they approved me.

This post has been edited by hye: Jan 2 2011, 09:48 PM

Don't push the idea. If anything goes wrong and does not go his way, he may blame us. We are talking about decisions that involves money.
The guy need to decide for himself.

This post has been edited by hye: Jan 3 2011, 01:23 AM

Yes ... generally working in multinationals does have it advantages when applying credit card. Multinationals can be Sdn. Bhd. or Bhd. coz this depends on how the incorporation was done locally.
All the folks here and us can categorize but it depends on how would the bank consider it. Submit the application and just sit back. There's nothing much you can do to influence the application process, so why stress yourself ?

We know what we are talking about. The senior contributors to this thread would not simply give you advise just for the sake of post count.
It is entirely up to you to decide. I suggest you to do your own research before you commit yourself to a new card. But please don't ask everyone's opinions in here. You decide yourself.

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Added on January 4, 2011, 1:10 amThere's a lower way to do it.
1. Put money inside a Citibank account.
2. Take the ATM card and bring it to SG.
3. Withdraw local money while you are in Singapore.

Sorry guys ... OT.

This post has been edited by hye: Jan 4 2011, 01:10 AM

Sure why not? Just bear in mind some banks have some sort of lockout period where you can't reapply after you cancel. After that they will accept you. Normally lockout period range between 3-12 months depending on the bank.

I'm not sure what you mean by "quite some time" as this can mean months or years.

I think tinky is very active is the Mac area these days. She hasn't been around much in here for a long time.
Our friend terapox has been around back then and he has made his return!

Ah ... the illusions of high CL.
Banks are not that stupid to just simply give you high CL just for fun.

Likely to give high CL to customers who they already "know". High CL just to attract new customer ? Unlikely as this seriously undermine the banks risk management practices.

Got ... Eraman honored mine, I bought chocolates @ the airport. Promotion ended 31st December 2010 by the way.

I totally agree on this point. Freebies are 2 way ... you gotta give some and get something back.
Even if you go supermarket, the food samples are incredibly small. You can't fill yourself up unless you go like 10-20 times. (or more) Not to mention where to put your face.

Just ask the bank to remove the old credit card account guys.
My old credit card no. remains in my M2U for years. I had to ask to get it removed and it was gone within 2 weeks after I asked.

If it happened by mistake then good for you. Another possibility the GST will be charged later.
If you think your GST is being paid for (by anyone) .... dream on.

My prediction is that petrol rebate would not be sustainable by the cc providers in the long run. Petrol prices looks to go up again in the short to medium term.

HSBC Premier has the word "World" because HSBC standardized the card across all its Premier centres all over the world. Few places has the "World" standard namely Australia. Unfortunately Malaysia isn't one of where HSBC recognizes the card to be "World" status. In Malaysia it is more like a "Platinum" card.

You are not the only who has a Premier card bro Terapox.

It has nothing to do with the placement of the word "World". As mentioned earlier, HSBC Malaysia does not have WMC in Malaysia.
The word World exist because the card design is standardized all over the world for HSBC Premier card holders.

Whether you use the official one or your own, you will still get your card cancelled. Please don't come in here thinking here supply bank forms! I think it is a bit too much although we can discuss or share things here. Let's not take spoon feeding to a new level guys.

Most banks does not even have an official form for card cancellation. And I have never used any so called official form to cancel my card (as far as I could remember) and I am sure 100% my card gets cancelled all the time.

Just use your Maybank for overseas use. Conversion rate ? You didn't even tell us which country you want to go to ... which date, what time you intend to use the card. Conversion rates will change on a daily basis and the rates are set by the bank, none of us here would be able to tell you what is the conversion rate is right ?

I won't bother ... question is very subjective. You can ask 100 guys in here and they will give you 100 different answers.

Agreed. While AMEX may give good promo but acceptance is very limited in Malaysia.
Using it overseas attracts an unattractive transaction fee too.

This is more of a personal preference but I'd rather not use a card where I have to think so many times where the merchant accepts it or not. Plus, I'd not use it overseas thus making my reason to use it even less.