no need to take it seriously la kawan... this is only forum mahh,, if they want to reply then mai reply or else just dun reply loo... why reply then shoot ppl le.. really dun understand this kind of ppl one.. some shoot ppl but give wrong info lagi teruk.. if they wan action mai let them be la.. you r free to say anything.. real or tipu, doesn matter la..haha

some forumers here are very helpful too.. hehe

thanks a lot your info i will try apply and use it wisely if approve

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Added on January 25, 2011, 12:51 pmHere i want to ask :
1) my friend try to apply few bank credit card and personal loan,but all failed. But maybank approved the personal loan for him,so funny?
2) the personal loan not must have credit card payment record at least 6months or 1year only can apply?
3) and then,with this personal loan, my friend can apply personal loan again or not?
4) and then,with this personal loan, my friend can apply personal loan/credit card with this personal loan payment record? maybe after 6months or 1year?

Sorry if i ask much... I really wish to know more about banking services

Thanks if you guys can answer me

This post has been edited by BeChong: Jan 25 2011, 12:51 PM

read it at my blog, click below to read more on Maybankard 2 Cards:

http://creditcardsmalaysia.blogspot.com/20...an-express.html

Better ask your friend to join the thread .... don't be postman. Questions and answers need to be clear .... passing info can lead to misunderstanding.
1. Maybank probably have a reason to approve your friend that's all.
2. Personal loan approval is independent of cc application unless you have a previous personal loan and screwing up the payments regularly then you'll be "blacklisted" in CCRIS and effectively that means no bank will entertain you.
3. At least not from the same bank and then again banks will check your total exposure to debt. If it is too much then no. Banks are not stupid to give you money and risk the money not getting paid back.
4. Partially answered in 3. Then again, your friend wants to take another personal loan in 6-12 months ? That's a signal your friend is living beyond his means. Generally bank uses 1 year record as reference. 6 months record ... maybe for certain banks. I personally would not have a good impression of banks with too generous credit facility.

@BeChong if you consider your friend to be your friend then don't give him all these answers.
The way he's taking credit is rather reckless and if this continues he's on his way to build a deep and solid debt position for a very long time. Not the kind of idea a guy should be living his lifestyle.

I beg to differ.
My friend transferred balance frm Citibank to OCBC. She continues to use the card as usual. When the statement comes, she just paid 5% minimum, there's absolutely zero finance charge. I saw the statement with my own eyes.

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Added on January 25, 2011, 2:01 pmYou have asked a question nobody can give definite answer. We are not banks, how do we know?
By the way, you don't need to worry. As long your application 'reached' the credit card processing department before 31Jan, you're entitled to welcome bonus once approved. That's why I encourage application through fax.

This post has been edited by chemistry: Jan 25 2011, 02:01 PM

I may be wrong but until December 2010, OCBC will not impose any finance charges on outstanding balance. That explains the zero finance charge.

I overlooked that.
My apology. I might have given inaccurate info.
Will update this if I get to see her latest statement.

maybe 10 sms since yesterday?

1.but his application for cc or pl all rejected from others bank
2.he just get the loan when november and pay installment every month
3.he can apply with same bank if his payment records is good?
4.he need and apply 20K but MBB approved 10K for him, that's why he want apply loan again, but he failed to apply any credit card also (that's why i weird) i have no idea to help him on this

Hi,

Sorry because he no have forum member, and i just wish to know about his situation as my reference only.

I am new here and wish to have some experience from you guys. This noon i just go nearest CIMB and apply DA Wish it can approve

I did throw this question to OCBC CS last month but nobody can give me an accurate answer. They said BT and cc share the same account. Whatever payment will go towards the settlement of cc outstanding balance first. But when asked whether the extra payment will be deemed settlement of BT balance, nobody can answer this. If all the money goes to cc account ONLY, then interest will be charged for BT.

What hye said might be true.
The statement I saw was for Dec2010. Hence 5% payment will continue to enjoy zero finance charge.
Now stepping in Jan 2011 already, maybe cannot 5% minimum anymore, must settle the retail in full, plus 5% of the BT amount (which is as advised by OCBC CS)

And if your total relationship balance falls below RM200k for 3 consecutive months, your account will be downgraded automatically to either the Advance Account or just some regular savings/current account.


Yes. It's probably just starting this year though. The World MasterCard was always missing from all the previous ads. Oh, and they call this card a new card

To all HSBC Premier World MasterCard holders, you may find this flash file useful to you.



This post has been edited by MilesAndMore: Jan 25 2011, 03:11 PM

i think now also not difficult to get world or infinite card dy.. yesterday I go to watson and 3 ppl infront me all use master world card..

As long as CIMB and Direct Access is offering 0% BT plans I would not consider any other BT plans simply because CIMB is efficient and fast in processing BT application and making payment. Best of all they will create a separate account which makes it easier to monitor outstanding balance for BT and not have to worry about payment hierarchy.

not difficult if you can meet the requirements to qualify for the card. Maybe those you saw are supps

This post has been edited by Gen-X: Jan 25 2011, 03:14 PM

Where i can know the benefit of CIMB Direct Access Master Card ?

their website perhaps? And there is this thing call google

but since I so free, here you go

http://www.directaccess.com.my/index.php?t..._promotion_list

This post has been edited by Gen-X: Jan 25 2011, 03:17 PM

I totally agree with you. It is advisable to do BT with those banks creating separate account. CIMB/DA BT serves this purpose perfectly.

thanks for ur info but i am not clear with it

And before this i saw it about rebate from kfc,burger king,watson and so on ? no more start from this year ? and also no more petrol rebate???? The benefit will keep changing year by year? confused

Actually, this DA purpose is for what?

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Added on January 25, 2011, 3:23 pmwhat is BT means? balance transfer? and what is this? who can tell me this stupid new credit card user (soon)

This post has been edited by BeChong: Jan 25 2011, 03:24 PM

I suggest you to read through this thread from first page onwards. All your questions have actually been answered. Do research before posting questions. No offense here.

i know what is BT already

no la, because of you guys use too many shorthands so i don't understand only..sorry