faster apply scb card.... can win Apple iPad.

You have faith in the Bada OS? Seems like Symbian is heading the way of the dinosaurs and taking Maemo with it. Probably only 2 will be left standing when the dust settles.

What PIN for online shopping are you talking about? I've been a Citibank Visa cc user for a long time now and have bought stuff online numerous times but I don't recall ever using a pin number.

I think having 2 cc's is good, in case anything unforeseen turns up like 1 cc getting declined when making payment so you still have the other as backup. I witnessed an incident when a customer's cc got declined and he tried with a 2nd cc which also got declined. In the end he had to call up a friend to come and pay for his drinks. Embarrassing to say the least esp when he was with his GF!

2 cc's I would consider the min number to have, why cut?

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Added on January 4, 2011, 9:49 amI am having Citibank's cc for more than 10 years and only tried annual fee waiver after I started reading this thread. Called up Citibank few months back and they waived my 2010 annual fee. Just call them up a month before annual fee is due for the waiver.

Although I can't really say what benefits Citibank cards have, I like it for the fact it has given me a high CL, relatively speaking of course.

Their rewards redemption service is fast like greased lightning. Redeem the items online and the stuff is delivered to your doorstep the day after. Now that's fast!

This post has been edited by wongpeter: Jan 4 2011, 09:52 AM

cc recognition based on what criteria?

or is your question based loosely along the lines of 'what is the meaning of life?' anyone care to answer?