You have DA MasterCard right ? When the bill comes next time, do not pay it. Instead, apply for BT with HSBC. HSBC will pay for you and you will pay HSBC back in installment for 6 months. Assume if you apply for the 0% HSBC BT before 15 Jan 2011.

So you don't have to pay so soon. You can keep your funds in FD earning interest first. After all, it is not like you will have to pay more to the bank later on.

Alternatively, use your HSBC credit card more and do a BT to DA. DA offer a longer interest free repayment period after all

Not the best but among the best. CIMB/DA have been offering 0% BT for 12 months for quite some time already.

I stand corrected.

No worries. You are not alone. I was rejected too and had a clean sheet record I intend to try again next year. Probably around March or April. If i get it then i will cancel my Citibank Cash Back VISA Platinum



This post has been edited by MilesAndMore: Dec 21 2010, 11:29 AM

I am not exactly sure where to post this. Anyhow, you can also make credit card payment using your Citibank VISA debit card at any local banks' and Al-Rajhi's ATM when they introduce this service next year.

Not really. I am sure people like Winner, Gen-X etc. all have a clean sheet record too and all of them got it


Add Public Bank to the list. This is why they have the lowest NPL in Malaysia


May be ... may be not. I had only one card when i applied for the OCBC credit card and still got rejected too.

This post has been edited by MilesAndMore: Dec 21 2010, 01:27 PM

This card might give a big headache to you if you're a non-Muslim.


Yes.

By the way, you will be charged RM10 each time you withdraw cash at non-Citibank ATM and not RM8.

Why not consider Alliance Bank VISA Platinum or Alliance Bank Platinum MasterCard ? The first RM500 charged to your card every month will get you at least 1.02% cash back. This cash back will continue to increase as you spend more. The cash back however, is capped at up to a maximum spending on retail purchases of RM5,000/month only. Any amount spent after reaching RM5,000 in a month, you will earn only Timeless Bonus Point. You will get at least 2.42% cash back on the last RM2450 charged to the card (out of RM5,000).


Every newly approved Standard Chartered credit card comes with an auto fee waiver for 2 years. After that you will have to call in once a year.


The benefit and coverage is almost identical to HSBC Amanah Takaful credit card insurance. I wondered if anyone has made a claim from your bank before ?

By the way, anyone knows if Citibank credit card comes with complimentary travel insurance ? I can't seem to find this in their website. So i assume there is none ?

Don't forget to factor in the timeless bonus points you can use to redeem shopping voucher. The final cash back (inclusive of the shopping voucher redeemed) can be as many as 1.38%.


Platinum. I can't seem to find the complimentary travel insurance for loss of luggage, missed flight, delayed flight etc.

Ah, thanks. I did not notice that. Any idea if our luggage is lost for more than 6 hours on a domestic flight, are we still eligible to make the claim ? I know it is not possible with many other credit cards from other banks such as HSBC and Standard Chartered as they only cover it if it happens when you're abroad.

The problem is now we do not even know if that incident took place in Malaysia, are we still covered ?


No. The transaction can still go through. I tried this a few times before with CIMB Gold MasterCard and Maybankard Gold AMEX 2 years ago.


CIMB Bank and Maybank will not charge you over-limit fee if you do it as such. I mean deposit some money into your credit card account first before swiping it to make sure you have enough limit.

By the way, last time CIMB Bank rejected my transaction when i did not have sufficient credit line. Tried it twice and just about 2 minutes later, a CIMB Bank officer called my mom telling her she had only RMxxxx of credit line left in the card. So i guess certain banks will just not let the payment to go through if you have insufficient credit line which is better in my opinion. I do not want to be shocked with RMxx for over-limit fee


Yes. The transaction will still go through. Tried it with Maybankard Gold AMEX and CIMB Bank Gold MasterCard.


No. At least i know Maybank and CIMB Bank won't.


No. Not with Maybank and CIMB Bank.


You do meet HSBC's requirement for a Classic Card but the chance may be slim as you had no other credit card. HSBC is known to be very reluctant to approve the first card to people that are still new to credit card. May be you can try CIMB Bank ? They do have many offers going on

I guess so.

By the way, two years ago i was using the Maybankard Gold AMEX. The one with the ugly Maybankard logo on the front and blue color AMEX logo on the bottom right.

First, you need to charge the all the tickets to your credit card order to make sure your trip is insured. Second, it covers only you and your immediate family members (written so in the MSIG and HSBC Takaful prospectus).


The fight is getting intense. Good for us the consumers


This post has been edited by MilesAndMore: Dec 23 2010, 09:22 AM

Yes. That's the only one for the time being. I swiped RM5,900 for a treadmill last Friday around 3pm. I did not win the RM30 though

My application for OCBC Titanium MasterCard was rejected. I have not given up on it though. Will definitely reapply next year. This card is simply too good to let it pass by


Too bad i do not have a Standard Chartered credit card either


The cash back i got for charging RM5,900 into my HSBC MasterCard is equivalent to about 0.43% only assume that i redeem for a RM50 Watson voucher with 11,500 HSBC Rewards Points. And no. I did not win the RM30 from the current HSBC contest, much to my dismay

I did not use my Citibank Cash Back VISA Platinum because this card gives only 0.3% cash back, much worse than HSBC's 0.43%. I do have another Citibank credit card which is the reward points based normal VISA. If i were to use this card, i'll get around 0.46% cash back (assume i redeem a RM100 Guardian voucher with 21,000 Citi reward points). The reason i did not use my normal Citibank VISA is because i wanted to do a 0% IPP with HSBC and it just so happens that they only offer 0% IPP for HSBC credit cardholders. Besides, i thought i could win the RM30 from the ongoing contest. But then, HSBC simply has too many big fish using their credit cards and luck wasn't on my side at the time i swiped my card


It pales in comparison to OCBC Titanium MasterCard. I now only use my Citibank Cash Back VISA Platinum for petrol, Gurdian, Watson and all the supermarkets that give me 2% cash back. For all other transactions, i only use my normal Citibank VISA. As for my HSBC MasterCard, i rarely use it now as Citibank requires less reward points to redeem a shopping voucher.

This post has been edited by MilesAndMore: Dec 23 2010, 06:22 PM

That thought did cross my mind before but i quickly dropped it. I think it is quite a hassle to open yet another savings account with another bank. I simply am too lazy too keep track of my accounts from a few different banks. Never mind. I'll wait for a few more months and reapply for it. Credit line i am seeking is RM10,000 only and i will write this request down in the application form next time i apply for their card. I have the tendency only to pay up my credit card bill on the last day of my due date. So i will need RM10,000 of credit line from OCBC to make sure the card still can go through despite there is an outstanding

Assume i used RM5,000 last month and it's been billed, i wait until the last due date before finally paying up. If my credit line is only RM5,000, i won't be able to use the credit card anymore until i pay up which is why i need RM10k of credit line.