LATEST UPDATE: New Measures on Credit Cards by Bank Negara

Proceed from v14: Credit Card v14

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards > http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)

2. Credit cards payment methods - http://forum.lowyat.net/topic/1802980

3. Tap and Go Cards - no signature required


4. Credit Card linked to Petrol
- OCBC Titanium MasterCard <> all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum <> all petrol stations = 5% cash back
- UOB <> BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank <> SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic <> PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic <> PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA <> ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money <> all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz <> all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)
**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.
For more info on pumping petrol using cards, please refer to this thread: http://forum.lowyat.net/topic/1798403

5. Standard financial charge (interest rate)
Tier 1 > 13.5% p.a.
Tier 2 > 16% p.a.
Tier 3 > 17.5% p.a.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
Sample calculator can be found here

6. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM150k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

7. American Express - http://forum.lowyat.net/topic/1724607

8. International Transactions - http://forum.lowyat.net/topic/1845691

9. Credit Card Cancellation - http://forum.lowyat.net/topic/1814307

10. Cash Advance fees


11. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :


12. Balance Transfer - http://forum.lowyat.net/topic/1123346

13. RM50 Government Service Tax - Currently STILL IN FORCE
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on each Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, or on the completion of each year or on the date of renewal of the card (except HSBC which will be billed 1 month later). This means that the above mentioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance.


14. Airport Lounge Access - http://forum.lowyat.net/topic/1791878

15. Previous versions


16. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx

17. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

18. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

19. Other Links By Users
A blog about credit cards by Gen-X > My Credit Cards

20. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - reward points are evergreen
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - 3 years (**SCB VI Choice Points are evergreen)
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years
12) EON Bank - 3 years

21. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
Existing HSBC Cardholder with CL RM30k and above OR Citibank CL RM50k and above OR Other banks RM70k and above MIGHT also be accepted, limited time promotion only
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
6) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
7) RHB Visa Infinite - Strictly by Invitation Only
8) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
9) EON Bank VISA Signature - Min Income Requirement : RM180k

22. Best Credit Cards and its categories - Click on ME
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique / Maybankard 2 AMEX Gold
3) Titanium Card = OCBC Titanium / Standard Chartered Titanium (**product withdrawn from new application)
4) Platinum Card = Alliance Platinum / SCB Business Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable) / Maybankard 2 AMEX Platinum
5) Visa Signature = EON VS
6) Visa Infinite = SCB VI
7) World MasterCard = Maybank WMC (assuming AF is waiveable)
8) For 1st time CC applicants with Degree: DA (Direct Access @ CIMB)
Looking for recommendations? Please refer to this thread: http://forum.lowyat.net/topic/1792023

23. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6) All EON Bank credit cards
7) Alliance Bank Platinum

24. OCBC Titanium Credit Card rebates - http://forum.lowyat.net/topic/1791215

25. Reload Touch n Go using credit cards - http://forum.lowyat.net/topic/1803385

This post has been edited by alexwsk: Apr 27 2011, 03:02 PM

Damn.. MY OCBC Titanium MC Application is been reject. I called CS, they said need to write appeal letter for the reason why. Do anyone write it before?

write letter oso no use, you'll get it's management decision
if you fully met the requirements, write a letter to appeal, but not guarantee will be successful

Updates !!!

Maybank
21 Feb 2011
- HKD105 > RM41.45 (HKD100 = RM39.476)

**Wawasan Sentosa's HKD rate on 18/2/2011 was HKD100 = RM39.45


HSBC
23 Feb 2011
- HKD59 > RM23.57 (HKD100 = RM39.949)

**Wawasan Sentosa's HKD rate on 18/2/2011 was HKD100 = RM39.50

This post has been edited by MilesAndMore: Feb 25 2011, 10:04 AM

to apply OCBC, better use ur existing 1 year card which has 10k CL

Thanks for reply. I meet theirs min requirement. I submitted 3 month salary slips, EPF 2010, IC, <1 Years CC. The only things is, I'm afraid that sales executive submit my <1 years CC to apply.

BTW, do u mind to to post sample of appeal letter? Thanks in the advance.

how about your total credit exposure? meaning total credit limits from all your active cards, housing loan, hire purchase. If it's very high, some banks don't like it. And also some banks don't like to approve new customers with high outstanding balance in other cards.

As for the letter, just google letter of appeal and modify accordingly, just a simple one or two lines letter will do

I just only have 1 CC with me. Always full payment before due date. No house loan and hire purchase yet.

This post has been edited by babypao: Feb 25 2011, 10:28 AM

that's strange, since you've submitted all your income documents, actually no need to submit ur cc
so, try to fax or mail your appeal letter and see how

Please heed hye's advice. AKPK is your best option. If you are still 'saving' money for your wedding now...it is very unwise - I am being as polite as possible. Start tracking your expenses and create a monthly budget based on your income. Be realistic and do note that post-wedding expenses will be even greater. Cut your credit card today - nobody here is joking. There is still hope if you make the right choice now.

I also don't have house loan nor HP. Only got a PTPTN, I think it's not stated in CCRIS.
IMHO, an existing cc with sufficiently high limit is even more useful than submitting 3 months payslip regardless of whether meeting income requirement. This is based on my personal experience. It may not apply to everyone.

I submitted EPF for 2010 statement, salary slips. I will try to mail them appeal letter. Thanks for the suggestion.

My exp, I received my 1st ever platinium (Citibank Cash back) 3 months ago. I applied with my 3 year-old Direct Access GOLD with CL 12k.

Although my salary shall be entitle for CL 7k. I agree that apply with existing card. after 1 year, I can start applying for Platinum with my existing platinum~~

Simple & easy. I am writing to DA to upgrade from Gold to Platinum. I just received a call. Most probably will be approved. If I apply with current pay slip, I only can get Gold nia~~

i have cimb cc, can i request them to increase my CL after 1 year ?

any1 know about CIMB GSC buy 1 free 1?

Yea, U can write in and try. In 3 years, my CL from 3k=>7k=> 12k..
nw i m requesting to 20 k.. muahahha..

n intend to get visa platinum.. GSC, buy 1 free 1... but no more petrol rebate.. sad.. will apply OCBC titanium soon~~

Strictly saying, it's not BUY1FREE1 but 'Complimentary ticket for any purchase of normal class ticket(s)'.
No matter how many ticket you buy, you still get 1 free ticket only. Good news is, you can buy everyday

my wife requested to increase cimb cl from 30k to 60k
it was granted without any documents

Pb is the worst
lowest cl.... time to cancel it

pb i got 4k only..since the time i apply for it..never increase at all.
any idea if want will increase upgrade my gold to platinum if i doesnt use card that much ?
average usage about 1k-2k per month only. prompt payment and never have outstanding.
have been using for 3 years at least.

i like platinum so much, its like my goal for credit card, lol.

pb i aso fedup
many years with them yet no increase of cl

can maybank2 u plat be applied with a copy of 1 yr cc? or need all documents?

Definitely !


It's like they are going back to the Bank Bumi era again ...


Not a chance ...


Aim higher man ... such as HSBC Premier World MasterCard or Standard Chartered Priority Banking VISA Infinite

why ? to entitle for platinum card, we need to spend a lot ?
my current maybank cc have 10k cl.
if it is cl problem, i think if i simply apply other bank i will get 12k-15k.
should i jump ship to easier my goal for platinum ?

Thank you for the note.
I think a lot of people think I am rather sarcastic in here (although I am speaking the truth) thus often my words are ignored. I'm alright with that ...

u call them to increase or write a letter ? PBB is known for their stingy CL. but their BT and installment offer is good

No. Not necessarily so. Besides, i thought you only have the PBB credit card with a credit limit of RM4k.


May be you can try to apply for the Maybankard 2 cards. For the Platinum one of course.

By the way guys, any idea which credit card companies that provide mail/parcel forwarding service for items ordered in US/UK if we pay using their credit card ? I only know a few banks providing such service. I am going to order something from the UK and i want to compare the shipping fees first.
- Citibank > Citi Globeshopper
- HSBC > vPost
- UOB > vPost
- Maybank > vPost
- Alliance Bank > vPost

By the way, shipments through vPost doesn't seem to incur any duty tax. Has anyone ever encountered problems such as your parcel being detained at the custom ? Please share your experience.

Speaking of CL , if I pay promptly but still used around 80% of the current CL , will they upgrade it after 1 well ?

You may request for increment but be noted the bank is not obliged to do that.

You can always request.

Below is the statement in Citibank Malaysia's website in regards to request for increase on credit limit:

You may ask your credit card company to increase your credit limit. The answer will depend on your total financial picture. You may qualify for a higher credit limit if you always pay on time, if your income has increased or your debts have decreased, and if you always pay more than the minimum due or your balance in full.

The above was posted in my blog titled Malaysia Credit Card Annual Income Requirement and Credit Limit. Link below

http://creditcardsmalaysia.blogspot.com/20...ual-income.html

p.s. Miles or whomever start the next thread, reserve a post for update after the 1st post. Last time we talked about something like listing all the places we get 5% cash back with OCBC Titanium MC.

This post has been edited by Gen-X: Feb 25 2011, 01:42 PM

totally forgot about that
i was waiting for someone to open new thread

how to register pbebank.com online banking if i have their cc only ?

Guideline is usually items below RM500 no duty.
Amex - Comgateway

This post has been edited by zenquix: Feb 25 2011, 04:11 PM

yes, it is troublesome and it seems cannot..for eon bank, can.

go to bank and fill in the form
repeat the above no matter what account u hv or u want to add to ur online banking

OCBC - comGateway

not sarcastic but maybe you just dunno the right way to communicate with people... if you know most ppl ignore your words, then you don't have to reply what.. if you meant to help, you should reply nicely la.. besides, the way you reply to most of the members here is like everyone looks idiot to you.. you should learn from some seniors here how they reply and giving advices, maybe you should mix with more people to improve your interpersonal skills.. not to be sarcastic but just telling the truth.

guys i got a situation here...

I used my card to pay for maxis iphone installment plan few months ago, but after that i upgrade/change my card to to gold card (with different card number)..

Now i want to cancel the old card but stucked with the installment....
What should i do?

I went to bank and they say go back to maxis..But i dont think maxis has any clue/authority to help me..I called to maxis helpline but they ask me to walk in to maxis center...
Afaik, when we do installment we are actually dealing with the bank, the bank had already paid the full amount to the shop..

Anyone had such experience b4?

Just call Maxis and say you want to change your payment method. That's what I did. When they pass you the form, put your new cc number.

Don't go thru bank, very the mafan wan.

Oic...

Just to make it clear...Its installment plan for iphone, not autopay for phonline woh

Me also requested to increase my cl last friday by calling them. It took only 2 working days to be approved. maybank by the way.

Bank should be able transfer from old card to new card if it is in the same bank.

Maybank ask me to go find the merchant and gao dim.

diff bank, diff policy. thinking want to transfer my installment with citbank to another citibank card, dont know can or not. any one do this before ?

my card got ppl curi use, they transfer my statement balance and treat points to new card in 2 days nia.

Go branch or HQ?

phone call only

I'm amused by your remark. You should also learn as to when to give a meaningful answers in the right thread. Not every thread is a Kopitiam like thread.
Many times in the past other people have remarked politely on your post in the cc thread to be misleading (not this ver) but yet you do not ever take heed.
Plus never you assume responsibility for any of your posts. Need I continue further? (And for once you sound mature and writing maturely)

I got your attention didn't I ?

This post has been edited by hye: Feb 26 2011, 07:17 AM

guys wan to ask some of u experince b4 mbb2 plat card suddenly a appear in ur account where u never apply b4. today got sms said application approve i check my maybank acct got mbb2 plat added

Maxis is right by saying that they have no say in your case.
You see the moment you signed up for EZ installment ... they will post it to the bank, obtain bank approval code, claim the monies from the bank and the bank pay Maxis minus whatever fees. Please understand the process is completed once it gets here.

From here on, it is the bank's responsibility to claim the monies from you. And more importantly you are stuck with the bank's T&C and this will impact you should you wish to exit/transfer. (It's the bank's way to retain you as their customer) I'll suggest you to evaluate
1. Whether the bank allow you to transfer the installment to the new card.
2. Consider paying the remaining balance and exit the installment. (you may be charged a fee)
3. Or last but not least ... just bite the bullet and stay on.
* Read up the contract which you signed when you did the installment. This will give you a clue of what should you do or cannot do.

That's why I personally never liked long term installments.

This post has been edited by hye: Feb 25 2011, 10:02 PM

Yes ... this can happen. If you don't want the card then call immediately to decline.
Delay then the likelihood of you being charged the GST is definite and please don't complain when you have been warned.

i'm planning to apply mbb2 soon but now they suprise me without apply it. hope this plat arrive to my house add, as none of them from maybank call to confrim this

I'll add on to suggest (since I think you want the card), confirm the address by calling MBB CS.

Did you click "I'm interested in MBB website"?
Did you call CS to enquire about the card?

If no, then you are the first person to report that you got MBB card approved without doing the above.

Other received offer by MBB for pre-approved Maybankard 2 cards and some even got 10,000 TP to offset GST. Refer to CC V14.

I tell you, I kind of pissed off, MBB should reward early birds 10,000TP to offset TP. Somemore my Maybankard 2 Amex card don't have Platinum printed on it The new ones come with the word Platinum printed on it as reported in Amex Thread.



The MBB 2 Visa blue is really ugly for a Plat card.

Click here to read about my MBB Dua application which was kind of frustrating.

To all, today I wanted to check if MBB processing my MBB Dua Gold Card application and found out MBB Plat CS Toll Free line have menu to separate MBB Plat and Maybankard 2 Plats. I guess that should not surprised me as MBB Platinum cards should be ranked higher than MBB Dua Plat.

However, I found out something interesting, when I call MBB CS today, I gave them my New IC No and only my Amex Gold Credit Card was shown in the system but none of my MBB Dua and MBB Platinum cards. So I gave the CS my MBB MC Plat number and then the system showed Petronas Plat Visa and MBB 2 Platinum cards and AMEX Gold Charged Card numbers but my IC record shows my Old IC No.

Click here to see My Credit Cards in Nov 2010. Must go update a new post soon with MBB Dua Plat, EON Visa Signature and MBB MC Plat. Now considering to cancel AMEX Gold CC or not because it gives MR where can redeem for cash as compared to MBB Amex can only redeem for vouchers.

Hi, I'd like to share my thoughts on your indecision.

If you spend RM2,200 using MBB2Amex, you get 11,000 TP which equivalent to RM50 shopping voucher.

Assume that same amount of spending using Amex Gold cc earns you 11,000 MR. You may use 10,000 MR to redeem RM50 cash and still keep 1,000MR (equivalent to RM5) as balance.

Is the remaining MR worth the GST? It depends on your total spending.

I would not keep Amex Gold CC as only the MR points is the plus point right now. I might however upgrade to the Amex Plat CC as it gives 10x points in certain places + lounge access. But RM50 + RM800 AF.....
only if one travels alot or goes to plat partners alot i guess..

Gen-X was just making an indirect reference to his conversion preference. Everyone has one and I'm sure Gen-X knows what he is doing.
For example while everyone here talks about cash rebates and/or cash equivalent ... I actually have a preference towards Enrich point redemption. Again, MBB2/AMEX fits my need very well.

---

Added on February 26, 2011, 7:17 amYeah .... the only downside to AMEX is the higher conversion factor when used overseas making it unattractive if it is a personal travelling expenses.

This post has been edited by hye: Feb 26 2011, 07:17 AM

You better check that you get this card in your hand. I have read news that other people apply for them without knowledge and used their card and rack up huge debts.

By the way, I applied for MBB2 yesterday at Mid Valley, Lower Ground floor. Got free gift remote control car and a glass.

I think MBB 2 card application does have overwhelming respond from public.....don't know whether want to jump into this ship or wait for other bank to offer even better than MBB 2? I'm sick of RM50 GST..if not, I don't mind having plenty of cards in my wallet...

Hello all!
Need assistance here. I'd like to apply a credit card with high credit limit. PM me or just post it here.

Monthly salary: RM2300
Commitment: RM166.67 (personal loan) + PTPTN.
Current credit card: CIMB petronas with 4K credit limit.

The current cc was used solely for buying fuels.

Correct me if I'm in the wrong place to ask.

How long have you been using your current card? If you've been using it long enough with a good spending/payment record you can simply ask the bank for a higher CL.

Not long enough. just about 4 month. I heard, the adjustment of credit limit only will be given when renew the cc contract.

Anyone notice the Maybankard2 AMEX TP balance reduced... I lost aboout 500+ points

Of course Gen-X knows what he is doing
I just voiced my opinions. If it sounds shallow, I don't mind being corrected I want to learn.

the extra 1x that was given previously?

Just check M2U, found my 1xxx points reduced to 6xx only.............

unknown reason (not because the extra 1X cos i calculate the total 6xx points ont even achieve 5X)

Same, my TP was halved, current amount is even less than 3X TP per ringgit spent.

Spent rm988.50 Given 4942 TP. Correct.
Called Amex CS and was told that the RM1million rebate(for the 15% rebate campaine) was fully claimed on 21/2/11(Sun). Will wait and see if this is correct. Forgot to ask when this rebate will appear in the statement.

This post has been edited by MGM: Feb 26 2011, 01:46 PM

Same here ... sometimes I'm a bit out of touch with the promos. You guys here are better at tracking the promos.

This post has been edited by hye: Feb 26 2011, 03:33 PM

I found out how my TP is reduced...

MBB removed the 6x TP from the weekend transactions, and replace with 1x TP,
Other normal 5x TP transacation remains.

My weekend transaction still have more than 1X TP

well hye was right in a way, I was just like talking to myself haha But what you said also true.

hopefully that's true, on 20th Feb was at Pavillion having lunch, I was greedy for the 15% cash back so used my Amex Charged Card instead of my OCBC TMC or MBB Dua Amex. May end up with only 3X MR with my charged card.

Wait untill your statement comes and then report back here.

This post has been edited by Gen-X: Feb 26 2011, 02:50 PM

huh? Left 1X TP only...
shouldn't it be 5X everyday?? Seems MBB already messed up the thing...Wish I don't have to go through this..

Called AMEX CS to check and they said it was because they over-credited 6x TP previously and now deducted all back.

Apparently its still work in progress as my new balance is less than 3X of my total spendings, and she said the final points will only be credited upon next statement.

I have a very bad feeling on this as they said exactly the same thing for my 15% cash back in December which is also still outstanding

do we need to activate MBB 2 card or already activated? the statement date is universal for all card holders or personalized?

Maybank targets 500,000 new cardmembers with Maybankard 2 Cards.

Click here to read MBB Press Release at MBB website.

Where on earth are they going to get half a million "new" cardmembers. No wonder you see many getting MBB Dua approved without even filling up an application form or requesting for it.

Click here to read my comments at my blog on the Press Release above.

This post has been edited by Gen-X: Feb 26 2011, 05:03 PM

Go for directaccess cc if u're a graduate. can get 10k credit.

anybody ask Maybank CS if we can get Maybankard2 AMEX change to the one with 'Platinum' word for FREE.
would we get a new CC no.???

yeah i did click "I'm interested in MBB website" before which they intro the game thing
anyone specific number to call the CC amex to check on this?

you clicked it = you want it. MBB's definition anyway. They really need to check their English.
A few of us here are in the same situation.

I wonder what is ALL the hype about some MBB2 AMEX that doesn't come with "Platinum". To me, "Platinum" cards are a dime a dozen these days. It's really not so prestigious anymore. Sorry to say but some of you here are a lil shallow here.

is it possible to request for CL increase for CIMB cc by phone call only without submitting any supporting document ?

Possible, if you've been a good spender and paymaster for a certain period.

wao, read a lot of negative comments on the maybank 2 card TP. hope mine will be fine~

today went to apply the so hot maybank 2 card at the johor bahru city square branch , no free gifts from the gal serving me -,-''

said my salary is not enough for Plat, coz require 80+k annual income (exact amount forgot ald).

hell, 80+k sure cannot achieve, ask for gold,

1st timer , doc giv:
IC, salary slip, appointment letter, bank statement, oso want my graduation cert ... really dun knw why she want it -,-'

tell me to wait for the result , 1 to 2 weeks ~

This post has been edited by kl87: Feb 26 2011, 10:45 PM

Have you experienced this yourself?

Can we set secure online password for online purchase for CITIBANK Credit Card?

No. Citibank cc does not support it.
Please do not have the illusion the system is secure. Unless every single merchant adopt it then only it will be considered secure. There's still a lot of online merchant does not adopt the Securecode system.

I believe 21/2/11 is Monday not Sunday

need to give so many things?
i only passed to them slip and IC photocopy. she said ok.

terminated hong leong essential card last month. nvr use the card.... but also need to pay rm50 for GST