HSBC got 10% off

What they will do to the credit limit for cardholders from both bank is up to them. We can only speculate and the final decision rests with the bank itself.
IMHO, From a financial management perspective (bank's view) - cardholder should only hold one credit limit because if they have 2 individual limits, from the bank's view it is actually CL A + CL B = CL C thus the actual CL granted to the cardholder is CL C. (Post merger)

The impact is ...
1. You may run foul of BNM new ruling
2. The is likely to violate their own risk management policies because you are granting a risky level of unsecured debt to a particular customer.

A good example of a historical situation would be the merger of Bumiputra Commerce (Product line is SB cards and the DirectAccess) and Bumiputra Commerce (Bumiputra Commerce cards) bank many years ago. After the merger, customers have 2 CLs and eventually the 2 CLs are "merged" (After factoring your individual risk/eligibility, etc). Today you don't see anyone with 2 CLs anymore from these guys.

IMHO ... the CLs will be merged and/or one of the other CLs will be discontinued. But .... it is all up to the bank, so don't flame me if it turns out differently.
* Edited ... thank you bro zenquix)

This post has been edited by hye: May 19 2011, 03:18 PM

Bumiputra Commerce.

so no more eon bank, this name already ? how about eon bank branches ? i am sure there are a lot of commercial area got hlb and eon bank.

i guess if the 2 banks are in the same area, one will be relocated

back to the CL question up there, easiest will be merged both CL to follow the highest CL from either of the bank
not that anyone would keep cards from both banks anyway

the making of CIMB:

1. Bank Bumiputra + Bank of Commerce = Bumiputra Commerce Bank (BCB)
2. BCB + Southern Bank = CIMB

previously at Kajang got 2 Southern Bank branches, after merged to CIMB, both branches closed. only CIMB branches left.

Hi, need a ask a question here. Previously i do not have any credit card at all and now trying to apply for MBB 2 cards. In terms of annual wage of minimum rm30k, i am qualified. I even have a mbb account with them to track my pay slip BUT how come my application has been rejected?
I have no debt, no loan and my account is quite healthy. Any idea why they rejected my application?

u better go get ur CCRIS report print out at BNM

sorry, what is CCRIS report? haha

refer post #1 item 16

ok, read about it already. But then, i do not have any loans whatsover with any banks at all.
Only 1 supp card but even that i do not have any outstanding amount.
Really confuse...

First time is always the hardest. Perhaps the rejection is due to unable to contact your home tel no. Or the higher risk of you being a first-timer. Just move on with life, apply other banks first. After 6-12 months, if you really want MBB-2-CC and benefits, re-apply again.

I've been in your shoes before, but with Citibank. Rejected. So I apply MBB and got it. Few years later, I got Citibank CC. Nowadays, they send me free, but I don't take it up (benefits not suite me).

afaik, if your salary goes to that bank, they shud hv no prob approving
i suggested you to get CCRIS is to make sure there's nothing unknown to you appear

however, u can try apply from other banks and if one of them approved, you shud be safe

CCRIS will display your financial information that is being shared by all the banks. Sometimes you will see in that report things which you don't even know exist or thought to exist about yourself.

And if you never had any financial history before, build one. If you can't get the card you want, get something else first to build your history. Sure it is the long winded way but that's what we (the seniors) here have build over the years. No shortcuts will help you unless you got plenty of money and get yourself a pledged cc.

I can't find this promotion in their website. Can you please give me the direct url ?


My MasterCard gets 7% discount at the checkout page. For Platinum, it's 6% and 5% for Gold and Classic cards. Not sure which category the Signature falls on but i guess it's 6% like Platinum.


The 10% off promotion is applicable only to very few selected hotels in certain countries and promotion period usually is very short. The 5%-7% off is available to all hotels booked through Agoda (must access Agoda site through HSBC Home&Away website). The discount will be automatically reflected on the checkout page after you've entered your HSBC credit card numbers.

By the way, HSBC Home&Away website states that this 5%-7% is like a limited time promotion but from my experience is that it's more like a year-round offer. The HSBC Group has been offering this Agoda promotion for a veeeeeeeeeeeeery long time

This post has been edited by MilesAndMore: May 19 2011, 11:54 PM

1. go to m2u website
2. click on Latest promotions (below Show me...)
3. on Show:, choose Cards: Maybankard (on drop-down / list menu)
4. click on Maybankard May-July Special Offer
5. go to Page 7

Then i don think i'm qualified for this card, i only having a CITIBANK Platinum Master card with 24k limit...hmm and Public Bank Platinum 24k limit too.

Dear LYN forumers,

Got a question to ask, if Shop ABC is Bank CBA merchant and the owner of the shop ABC hold the credit card of Bank CBA. Now:

Q1: Can the owner of Shop ABC swipe his Bank CBA credit card at his own Shop ABC? Being the owner of the shop is it ok? Violating any rules?

Q2: Same condition as Q1 but this time Owner of Shop ABC swipe his Bank CBA credit card every month with the same amount ( big amount assume >RM 20k ) and paid the full amount before the due date, is it ok to do so? Is this consider money laundering?


Anyone know?

This post has been edited by ak1977: May 20 2011, 11:01 AM

guys, want to ask something. let say cc expiry date is 06/14, is rm50 GST and annual will be charged into that cc on every month of june or in july ?

Best to call CS to confirm the GST charged month. Basing on the expiry date maybe wrong, as you may get upgraded cards and the date may change, just like my DA.