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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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nokiaXP
post Oct 18 2011, 09:55 AM

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QUOTE(erry- @ Oct 17 2011, 10:35 PM)
ask hlb if got form like maybank or not. usually bank no prob to give 2.5x salary for people earn rm36k/year.

maybank - http://www.maybank2u.com.my/WebBank/inclimit_100210.pdf

but personal opinion, hlb gold mc dont give much benefits? try apply hlb essentials?
besides at the website stated:

Higher credit limit

Your Hong Leong Essential Credit Card is the only card you need because it gives you a higher credit limit so much more spending power in just one card, imagine that!

and the card give 1% cashback unlimited too smile.gif
*
i holding hlb mastercard and essential.both combine credit limit only rm8k.need pay slip to request cl increase?

This post has been edited by nokiaXP: Oct 18 2011, 09:56 AM
erry-
post Oct 18 2011, 09:58 AM

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QUOTE(nokiaXP @ Oct 18 2011, 09:55 AM)
i holding hlb mastercard and essential.both combine credit limit only rm8k.need pay slip to request cl increase?
*
oh u already have essential, good. but why want to keep the gold card? somemore rm50 gst? sweat.gif

but its up2u.

btw yes need to provide latest payslip (usually 2 months) to increase CL.

unless, bank give u without ur request (they send letter) ~
Gen-X
post Oct 18 2011, 10:47 AM

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QUOTE(gerrardling @ Oct 18 2011, 09:36 AM)
it's time for bro gen-x or other blogger to compare all the VI cards available in malaysia including (MBB, CIMB, HLB, SCB and RHB)
*
Bro, it's under planning, done Entry Level, next Plat and then only Premier.

In the meantime, did a short article over the weekend for Maybank VI where I agree with zenquix that it is the best card for overseas transactions.

Click here to read my article titled Maybank Visa Infinite lce - the Best Credit Card for overseas.
gerrardling
post Oct 18 2011, 10:57 AM

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QUOTE(Gen-X @ Oct 18 2011, 10:47 AM)
Bro, it's under planning, done Entry Level, next Plat and then only Premier.

In the meantime, did a short article over the weekend for Maybank VI where I agree with zenquix that it is the best card for overseas transactions.

Click here to read my article titled Maybank Visa Infinite lce - the Best Credit Card for overseas.
*
AMEX is still better than MBB VI for oversea transaction IF you spend on weekend and you have not max out the rm50 cash back quota yet

This post has been edited by gerrardling: Oct 18 2011, 10:57 AM
Gen-X
post Oct 18 2011, 11:05 AM

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QUOTE(gerrardling @ Oct 18 2011, 10:57 AM)
AMEX is still better than MBB VI for oversea transaction IF you spend on weekend and you have not max out the rm50 cash back quota yet
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Bro, if one has the MBB VI, most probably he/she would use up the RM50 for local spending already. Or if spend above RM1K overseas on weekends with MBB 2 AMEX, he/she will be losing out.

This post has been edited by Gen-X: Oct 18 2011, 11:09 AM
psiloveu
post Oct 18 2011, 11:58 AM

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QUOTE(gerrardling @ Oct 18 2011, 10:57 AM)
AMEX is still better than MBB VI for oversea transaction IF you spend on weekend and you have not max out the rm50 cash back quota yet
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please dun forget amex currency rate sometimes is higher. My experience at Gold Coast theme park, they charged 3.5% administration fee if customers use amex to purchase tickets.
hye
post Oct 18 2011, 12:04 PM

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I wonder who among us will become owners of the MBB VI card. hmm.gif

Currently what I know

1. No application form exist or can download (vs. MBB WMC which has an application form)
2. Card application is handled directly by a dedicated team from Maybank. Call in via MBB CS.

This post has been edited by hye: Oct 18 2011, 12:08 PM
nokiaXP
post Oct 18 2011, 01:09 PM

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QUOTE(erry- @ Oct 18 2011, 09:58 AM)
oh u already have essential, good. but why want to keep the gold card? somemore rm50 gst? sweat.gif

but its up2u.

btw yes need to provide latest payslip (usually 2 months) to increase CL.

unless, bank give u without ur request (they send letter) ~
*
normally how long bank will auto increase your cl?me ord use 1 year +
ronnie
post Oct 18 2011, 01:22 PM

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QUOTE(Gen-X @ Oct 18 2011, 10:47 AM)
Bro, it's under planning, done Entry Level, next Plat and then only Premier.

In the meantime, did a short article over the weekend for Maybank VI where I agree with zenquix that it is the best card for overseas transactions.

Click here to read my article titled Maybank Visa Infinite lce - the Best Credit Card for overseas.
*
QUOTE
Having a Platinum card still has its advantages, for example you can enter The Gardens Premium Toilets at Ground Floor for FREE, hahahaha

The above is no longer valid...
Gen-X
post Oct 18 2011, 01:35 PM

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QUOTE(ronnie @ Oct 18 2011, 01:22 PM)
The above is no longer valid...
*
What! cannot enter Garden Premier toilet with our Platinum cards anymore? sad.gif Thanks for the info, deleted the toilet thingy from my blog.

**EDITED** to avoid making people confuse with my WRONG statement.

As for MBB VI versus MBB 2 AMEX:
a) MBB Visa or MAsterCArd overseas transaction fee is the lowest.
b) most of us who use our AMEX overseas knows not really fixed at 2.5%.
c) MBB VI we can earn something, MBB 2 AMEX we hope that the RM1=5XTP can offset AMEX overseas fees.

This post has been edited by Gen-X: Oct 18 2011, 02:05 PM
rickkywong
post Oct 18 2011, 01:44 PM

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QUOTE(erry- @ Oct 18 2011, 09:58 AM)
btw yes need to provide latest payslip (usually 2 months) to increase CL.

unless, bank give u without ur request (they send letter) ~
*
not really.

UOB case:
i tried before call up uob to request permanent increase CL without submit any document after use the card for 18 mths. my wife tried before call up uob to upgrade her uob one plat to preferred plat without submit any document too. thumbup.gif

Alliance Bank case:
apply for permanent increase CL by walk in, submit latest 6 mths bank statement for proof of income and was rejected even after use the card for 7 mths. doh.gif

So, i believe it is depend on cases to cases because every bank has different policy. hmm.gif after all, if you really need a higher CL, why don't just give them a call to request increase CL whereby it cost you nothing... brows.gif

This post has been edited by rickkywong: Oct 18 2011, 01:45 PM
zenquix
post Oct 18 2011, 01:57 PM

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QUOTE(Gen-X @ Oct 18 2011, 01:35 PM)
Anyway guys, I was thinking about the RM2 = 5X TP and then it hit me, with my Maybank Platinum MasterCard (not MBB 2 MC), for RM2 I will get 4X TP. Therefore actually my initial statement that we earn 2.5% with 5X TP is WRONG. For the MBB Visa Infinite, for overseas, for every RM1 we earn 2.5X Treats Points. Therefore we only get returns of 1.25%.
I'm confused. Which card are you referring to? RM2 = 5x TP? To my knowledge the Maybankard Visa Infinite is

2 TP for every RM1 locally
5 TP for every RM1 overseas.
Gen-X
post Oct 18 2011, 02:05 PM

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QUOTE(zenquix @ Oct 18 2011, 01:57 PM)
I'm confused. Which card are you referring to? RM2 = 5x TP? To my knowledge the Maybankard Visa Infinite is

2 TP for every RM1 locally
5 TP for every RM1 overseas.
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OMG!! You are right. I must be in dreamland doh.gif doh.gif doh.gif doh.gif Guess I have been making up reasons why the VI no good blush.gif

Revised again my post doh.gif Looks like I want this card again.

This post has been edited by Gen-X: Oct 18 2011, 02:12 PM
erry-
post Oct 18 2011, 04:07 PM

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QUOTE(nokiaXP @ Oct 18 2011, 01:09 PM)
normally how long bank will auto increase your cl?me ord use 1 year +
*
sorry but i 've no idea blush.gif

QUOTE(rickkywong @ Oct 18 2011, 01:44 PM)
UOB case:
i tried before call up uob to request permanent increase CL without submit any document after use the card for 18 mths. my wife tried before call up uob to upgrade her uob one plat to preferred plat without submit any document too. thumbup.gif

Alliance Bank case:
apply for permanent increase CL by walk in, submit latest 6 mths bank statement for proof of income and was rejected even after use the card for 7 mths. doh.gif

So, i believe it is depend on cases to cases because every bank has different policy. hmm.gif  after all, if you really need a higher CL, why don't just give them a call to request increase CL whereby it cost you nothing... brows.gif
*
most people (ok including me), the bank just increase the CL notworthy.gif
virgoguy
post Oct 18 2011, 06:21 PM

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hi all

two days ago, I've just cancelled off my RHB classic which been followed me for 8 yrs long due to the incompetent offer and benefits. Today the bank called me up and decide keep me to stay with them by offering me NO GST, NO Annual fee and double up my CL from now onward.

So I really wonder doesn't it they overturn the GST rules been stated by government whereby the bank are not allow to absorb the GST for the customer?

The second question is, should I accept it or reject it? or ask them to offer me platinum card with same condition? tongue.gif but somehow i still think that their cc benefits are sux
(Note : currently I am holding OCBC Ti and MB2 Platinum)
Human Nature
post Oct 18 2011, 06:36 PM

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QUOTE(virgoguy @ Oct 18 2011, 06:21 PM)
hi all

      two days ago, I've just cancelled off my RHB classic which been followed me for 8 yrs long due to the incompetent offer and benefits. Today the bank called me up and decide keep me to stay with them by offering me NO GST, NO Annual fee and double up my CL from now onward.

So I really wonder doesn't it they overturn the GST rules been stated by government whereby the bank are not allow to absorb the GST for the customer?

The second question is, should I accept it or reject it? or ask them to offer me platinum card with same condition?  tongue.gif but somehow i still think that their cc benefits are sux
(Note : currently I am holding OCBC Ti and MB2 Platinum)
*
i think they will basically give you RM50 cash rebate or points to offset the GST. On your 2nd question, you already mention that their benefit is not up to your liking, so why still wanna get one unless of course you wanna keep it for occasional discount/offer/etc.
virgoguy
post Oct 18 2011, 06:54 PM

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QUOTE(Human Nature @ Oct 18 2011, 06:36 PM)
i think they will basically give you RM50 cash rebate or points to offset the GST. On your 2nd question, you already mention that their benefit is not up to your liking, so why still wanna get one unless of course you wanna keep it for occasional discount/offer/etc.
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ya that's partially of the reason occasional discount/offer/etc. I will try to call back to nego for the platinum with the same condition see if they wanna to offer me or not else I will just reject it although the CL they offered to me is the highest among my OCBC Ti and MBB2 Platinum.


Their current RHB Platinum offer as below
» Click to show Spoiler - click again to hide... «
Human Nature
post Oct 18 2011, 07:01 PM

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If you can indeed nego for the plat, and get confirmation in writing, no AF/GST or RM50 cashback with no condition, it could be worthwhile to keep the card for the 4x complimentary access to all Plaza Premium Lounges since it is not offered by your current OCBC Ti and MBB2 Plat.

This post has been edited by Human Nature: Oct 18 2011, 07:04 PM
virgoguy
post Oct 18 2011, 07:13 PM

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QUOTE(Human Nature @ Oct 18 2011, 07:01 PM)
If you can indeed nego for the plat, and get confirmation in writing, no AF/GST or RM50 cashback with no condition, it could be worthwhile to keep the card for the 4x complimentary access to all Plaza Premium Lounges since it is not offered by your current OCBC Ti and MBB2 Plat.
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Get confirmation in writing as in stated all those in the paper mail?
Human Nature
post Oct 18 2011, 07:28 PM

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QUOTE(virgoguy @ Oct 18 2011, 07:13 PM)
Get confirmation in writing as in stated all those in the paper mail?
*
through email maybe? else you will have no proof of the offer when you see the AF and GST in your statement. anyway, it is offered for classic, try your luck for the plat wink.gif
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