If you ask for a conversion for a purchase to installment plan from any bank, most of the time it'll be never be 0% ... Period.
The only exception to this is CIMB installment plan for education and medical fees if I'm not mistaken.

This post has been edited by hye: Dec 11 2010, 08:27 AM

Understand the concept of transaction and posting. While the transaction has occurred, the merchant need to post the transaction (to claim) before the card holder will see the transaction in their account.

Just to note ... you can't really "apply" HSBC Premier MC just because you want to. You need to "earn" it.

I share your sentiments but everytime I voice out something ... I always get flamed!

Trying hard to understand what are you trying to say. Let's try
When you do installment ... the lump sum already become small payment. So it will look weird that you are actually BT more than what you owe to the bank right ? Unless of course you intend to close the other cc then might as well terminate the installment plan and do a full BT.

On another note, I hope all the folks here will be mindful on how they present their fact about the BT waiver. I'm concerned that there's increasingly many want cards with free GST. IMHO, the real consideration would be to use cc which best suit your lifestyle. E.g SCB Titanium does not have free GST waiver but I'm very sure folks who has it does not cancel it, pay the GST and become the envy of those who can't apply for it.

I don't want to sound harsh but if you can't pay RM50 then please don't bother to use cc. Use cash.
CC rewards you when you spend ... never ever chase a cc just because of the freebies. You are unlikely to have a happy ending that way.

Had you been reading the thread, you'll be enlightened. Not a place to be lazy in here and expect to be spoon fed just because you asked nicely.Seek the cards under OCBC and you are on your way for enlightenment. You are on your own from here, now go to OCBC!

2-3 months waiting time is normal. Investigations take time. No way can settle in a few days.
That's why the best practice is to be always alert of where your cards are and don't delay to block card/make a police report. Plus, making a report doesn't mean you are scot free ... if investigations doesn't find clear evidence then how to just take your words ? Anyone can claim anything and say anything right ... please guys .... evidence is important.

Yup ... I concur this information. So any smart applying too many cards (e.g. during fairs), banks will see all the application pending when they do the CCRIS check. This can be a reason for rejecting the cc application as well.

No you will not qualify. The qualifier for this card would be nothing less CL of RM100K.
Anything less don't bother nor the bank will entertain any request.

Being a foreigner, the income requirements to own a local cc jumps significantly. If I'm not mistaken it is min RM60K per annum.

Only the minimum age requirement applies which is 18.
No income requirement applies as that is dependent on the principal which is yourself.

Agreed. Many folks here always equate using hard earned points (e.g you need to spend to get points) as service tax waiver.
Actual meaning of waiver means the bank offer compensation to offset the tax.

Again ... I would like to reiterate that the selection of credit card of choice should never be based on freebies or offer to offset service tax waiver. (Most cards are generally free in one form or another) It should be based on what you want to get out of your spending habits. E.g. Points, cash rebates, air miles etc. A good place to think about your choices would be the first page.

This post has been edited by hye: Dec 28 2010, 04:54 PM

No one can answer your accurately as everyone would have their own preferences and spending pattern. You need to understand what you want to get out of your credit card and match it against what is available in the market. Also to keep in mind there no such card that will be able to match 100% of your expectations. Most of the senior guys in this thread hold multiple cards to suit their lifestyle. (Holding multiple cards on the basis to get huge credit limit is wrong and encourages abuse of the cards)

Personally, I would say no to this HL credit card as it doesn't suit me but another forummer would have answered you positively. (That's what I am trying to say) A quick guide and (perhaps) an answer can be found if the first page and hope you made the effort to look there before posting this question.

When you sign up for any SCB cards, the agent will be required to produce to you 2 things.
- The application form
- Acceptance of the promotion (Form)

The second form indicates the promo that you sign up for. If you are worried, you can ask for a copy of the signed promotional form. SCB won't screw you up that easily, so don't worry. Websites will never indicate the current promo. All banks do not post this info on the website. This is to avoid banks from receiving a call from BNM due to another competitive bank complaining about their promo. (This has happened many times before)

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Added on December 30, 2010, 9:59 amLikely you are a 1st time card applicant then it is a yes. You may try other documents if they allow you but unlikely if you are applying for the 1st time.
Plus if you call the bank, that's the answer they are supposed to give you. Agents may relax this rule slightly.

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Added on December 30, 2010, 10:06 amQuick answer is yes ... online transactions are considered as swipes.
Choice of credit card dependent on individual ... look to the first page on what is deemed the best. It depends what you want coz for example while we may recommend you OCBC TI but your income may not meet the requirements yet and you may have preference to use your bank where your salary is banked-in for convenience. Many people do not want to pay the IBG fees or walk a little to the bank to make credit card payments. (Plus there can be many other reasons)

That's why I said it is a preference. Especially since you have narrowed it down to Younique card then go ahead and be happy about your decision.

This post has been edited by hye: Dec 30 2010, 10:16 AM

The person who you are speaking to would have no authority to process your application nor decides on whether or not your application would be successful. Even though you persuade them, best they will just put a note and pass it on to the department which handles your application. And no, they would not allow you to speak to anyone who will be processing your application.

Does that give you an idea whether your negotiation would be successful or not ?

If you paid in full (as required) and before the statement then nothing should be worried about.
1st month using cc and already your TP 6500+, I find that hard to believe.

These top spending contests are not easy to win. Forget it. Might as well buy the phone upfront.

Happy New Year folks!

Pay the minimum first just in case.
BT processing could take about 1 week but if the response is high then be prepared to wait even longer.

If you are being ignored the answer is because you are asking the wrong question in the wrong thread.

Yes ... should he did not pay the remaining balance after the due date.
Bear in mind that this interest is prorated and calculation on a daily rest. Probably your friend need to pay a few days of interest. You still save on paying a significant interest after doing BT.

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Added on January 2, 2011, 8:40 amSeparate spending.

This post has been edited by hye: Jan 2 2011, 08:40 AM