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 Credit Card v14, Please read the 1st post before posting

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soitsuagain
post Jan 26 2011, 12:18 PM

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My Maybank card credit limit is finally 18k. Took me 5 years. sweat.gif
soitsuagain
post Jan 30 2011, 02:39 PM

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QUOTE(hye @ Jan 30 2011, 06:05 AM)
You may try but let's be realistic about the expectations due to the income requirements.
Outright, the answer is definitely NO.
*
Yup, damn true. Use CL to apply.
soitsuagain
post Feb 16 2011, 04:38 PM

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Late payment after the two days grace period from the due date means your retail interest rate will be revised upwards to 16%. Of course I am just assuming you have c/f balance.
soitsuagain
post Feb 24 2011, 12:26 PM

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QUOTE(den @ Feb 24 2011, 10:19 AM)
hate those maybank customer service =.=

i snail-mailed the pre-approved application, but they never received. so it might be lost during delivery.
then she said "do you still have the form?"

grr.. i said i delivered already what... so i answered "no i dont have. i send it out already"

she said "it's written on the form that you can fax it."

grr... like blame me pulak...
when i ask if i can get a new pre-approved form, she say she can't check whether i am pre-approved or not.. =.=
then ask me to dl the form and fill in, with all the documents required.
i dont know why i feel so irritated =.=
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as long as your salary is credited to your maybank account, you can go to any maybank branch and apply. it is automatically pre-approved.
soitsuagain
post Feb 24 2011, 12:49 PM

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QUOTE(alexwsk @ Feb 23 2011, 04:55 PM)
i believed CIMB upgraded almost all their cc holders back in Dec, 2009 laugh.gif
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I still cut it anyway...Plat can't be make any cheaper than it already is laugh.gif
soitsuagain
post Feb 24 2011, 12:52 PM

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pay your balance in full every month then no finance charges
soitsuagain
post Feb 24 2011, 06:32 PM

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QUOTE(eric84cool @ Feb 24 2011, 05:04 PM)
If card min requirement is RM60k p.a...if a person happened to have basic pay of 4.8k but if include allowance etc is about 6k and above..does it considered as income?
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simple, use your highest credit limit card to apply. for example, if you start with 4k credit limit and have been using this one card actively with prompt payment every time, 3 years forward you can at least get ~20k min and way over with CIMB. Citibank, HSBC and HLB are also good alternatives. Continue using smartly, try not to get one month late and voila you can apply everything even if they ask for 120k/yr min income.
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