From the point of movies ... maybe. But different people have different definition of "best" to them.
Generally I wouldn't want to call Citibank Clear Card as the best classic card.

Let's not get carried away with this best card question. Many will come in here will ask this best card again.
We already have a good guide over in #1.

Credit card application require proof of income. I think that answers your question.

@chemistry
Let's dispense with the profanities please. Other threads may be doing this but not here please. You profanities is now cc'ed over to bro@PPZ already.

I know there is a lot of excitement about MBB's new product but for those who can wait, just wait.
I'm sure other banks will be upping their own product line soon to counter MBB's new cc product.

This post has been edited by hye: Jan 18 2011, 11:53 AM

No need to care about that. They are willing to offer that to consumer so just enjoy it.

@cyang81
Let the guy decide. When it comes to money matters, it is an individual decision. So please don't be immature and suggest when it involves money.
Better still edit your post.

Next time please avoid telling him what to do because it is his credit card/money, his rights - not yours. What can happen if the guy is not happy with the decision he can BLAME you for suggesting it to him in the first place.

This post has been edited by hye: Jan 19 2011, 02:05 PM

@thtan

Don't generalize just so happen you don't have a use for high limit. If you don't need it then just downgrade your CL and have you done so?
If you have done so then I'll take my hat off and if you had retained your limit then ... you are no different from what you have described yourself people with high CL.
There are people who genuinely need the high limit and I couldn't understand your negative attitude.

@UltraConductor_41
You need to be responsible for your card either way ... both retail and online purchase. Always be aware of where your physical card is to avoid retail fraud and buy online from respectable websites. Safeguard information about your card and don't let it "float" around.
No such thing as pushing the responsibility to the bank entirely. It will not be an issue if you are careful and smart enough. Problems can still happen but these are rare incidences.

This post has been edited by hye: Jan 21 2011, 04:48 AM

Ask anyone who read your post. I was not the only one who had the same impression.

Yes ... this is the good practice to have.
One way to make sure agents cross the docs is, do not signature / leave the booth until they cross the docs in front of you. They will get the message.

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Added on January 22, 2011, 10:11 amFood is the MAS Golden Lounge will be better than the one in Plaza Premium Lounge. The food in Plaza Premium Lounge sometimes borders between edible and not.

This post has been edited by hye: Jan 22 2011, 10:11 AM

Yes ... it is normal. What should be considered as red flag if they asked you for the CVV no. (which they are not supposed to)
Plus ... you are the one who called into the call center, so there's very little to be worried about.

This post has been edited by hye: Jan 22 2011, 04:58 PM

Agreed. Many came in here wanting to look for answers which satisfy them only and not the actual fact.

CIMB WMC application - 1 hour processing only. Normal cc type - Citibank 2 hour but you need to apply at the Ampang branch.
Next time don't be lazy ... read to find out. This is not a spoon feeding thread, no excuses.

Depends on which credit card/what bank are you using. Most banks will impose a minimum amount to qualify before the conversation to installment plan.

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Added on January 24, 2011, 4:06 pmMy guess is yes but you are asking a question which no one here have experience in. The product is only launched this month and have never appeared in any Maybank TreatFair before. How can anyone here be sure ?

This post has been edited by hye: Jan 24 2011, 04:17 PM

Guys ... let's be careful when discussing about the signature issue.
The last thing we want to happen is someone tries to be smart and beat the system. It's a Malaysian "boleh" mentality that worries me.

Banks are not that stupid and generally banks have a special team which investigates cc frauds. Likely if someone tries to be smart against the bank, it has been done before and the poor soul caught.

This post has been edited by hye: Jan 24 2011, 10:28 PM

Rejection for a new card can be for a various of reasons. Correct me if I'm wrong but you did not view your own CCRIS right but you are only speculating that it is due to the card upgrade. Please don't bring the guys here on a wild goose chase because you did not provide any other information such as ...
- Did you check your own CCRIS yet ?
- Did you ever become guarantor for other people ?
- How many secured and unsecured debts do you have ?
- How many cc do you have ?
- Did you ever miss any payments for anything ?
- What's your total exposure ?
- etc ....

Like I said ... they are many reasons your cc application being rejected. Without a complete information of your own financial background, we'll be giving you wrong advise as well. I know may have been helpful (e.g. erry and the rest) but please be realistic ... there're things which require more background information.

Likely yes ... due to payment hierarchy. I suggest if you want to do BT then forget about using the OCBC TI anymore until you clear your BT.

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

Guys ... I know we have been debating as to whether supp card for Maybankcard Dua will be charged RM50 or RM25.
IMHO ... don't argue lah .... either way the max you will need to pay is RM50 and the best case is RM25 ... so what's the big deal?

The potential rebates will pay off by itself so I'll say anyone applying this card ... please don't be too kiasu. Just accept the max GST is RM50 and life will be easier.

@MGM
People in here help willingly and I can't believe the tone that you are using.
If you think your CL is sufficient then go ahead and try. While the folks here can give you an indication of what the answer is the final say is the banks. If you are not happy with the answer then next time don't bother asking the folks in here for help. Check the answer yourself via the banks websites and waste your time calling the bank's CS. This is better than wasting precious time of the good folks in here.

If you think owning UOB Privilege Platinum is a big deal then ..... you really need to take a reality check.

This post has been edited by hye: Jan 25 2011, 09:38 PM