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

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TeraPox
post Dec 13 2011, 10:33 PM

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QUOTE(hye @ Dec 13 2011, 10:31 PM)
Folks as reference, I don't tolerate profanities in this section. I won't hesitate to delete posts with such contents.

Please don't quote any posts with such contents. And a great thanks to the folks who were careful not to quote inappropriate contents.
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bro... which post r u refering to? how come i cant find any profanities contains in any of the post? hmm.gif
TeraPox
post Dec 14 2011, 12:12 AM

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QUOTE(Gen-X @ Dec 13 2011, 11:56 PM)
Let me guess RM250K  tongue.gif

As for the personal loans, I get average 1 call or sms a week.
It is possible that the agent may be correct about the Min CL RM40K to qualify for the MBB VI because I was told may MBB VI and even their WMC cardholders have CL RM50K. And I guess there maybe the sign up rate for the MBB VI not that encouraging since one has to spend RM50K to get the annual fee waived.
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but i read ur blog saying tat the wall for you to leap over to get the VI is darn high.... biggrin.gif


CL for WMC only 50K?
how come mine so high? brows.gif
TeraPox
post Dec 14 2011, 12:39 AM

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QUOTE(rockefeller @ Dec 14 2011, 12:18 AM)
Looks like mbb is getting desperate in expanding its premium cards' database. At the rate this is going in a year or two, the supposedly premium wmc and vi will lose its premium status and banks will start coming up with an even more exclusive cards i.e world elite mastercard etc.

Added on December 14, 2011, 12:20 am

LOL. Gen-X leaped the wall not once but three times okay. CIMB, Stanchart and MBB!
Terapox, of course yours high. VVVIP ma tongue.gif
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4 years ago... white color made us bely shiok... laugh.gif
user posted image

now... new trend is black... laugh.gif
user posted image


2-3 years down the road.. World and Infinite will be like Platinum level now...

and they will come out with new level of card to make us shiok... biggrin.gif



This post has been edited by TeraPox: Dec 14 2011, 12:45 AM
TeraPox
post Dec 14 2011, 12:56 AM

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QUOTE(Gen-X @ Dec 14 2011, 12:46 AM)
No need 2 years, now already Platinum Level with MBB allowing RM40K CL to qualify for the VI.

OT, your wallet same as mine too, Louis Vuitton Multiple Wallet; but, mine in damier graphite. 

In my LV wallet, there are eight cards - 6 black, one Titanium and JJ card. The rest in another elongated wallet just for cards.
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still need mythbusters to prove that MBB really allowing 40k CL or not... which i highly doubt so... biggrin.gif

if that's true, i will kut off my MBB Premium cards as a kind of silent boycotting... u and Rocky fellow should do the same...

I used to be a card collector like u... but since our beloved PM that we mostly adored announced that we need to be the first country to pay GST for having a CC... I decided to kut them off ... whistling.gif

Added on December 14, 2011, 12:57 am
QUOTE(rockefeller @ Dec 14 2011, 12:53 AM)
You're humble as always. Last time also you said MBB VI wall too high to climb, in no time, I saw a post on your blog the card delivered already!

Like you mentioned a few times in your blog, you perceive CIMB Enrich (regardless World or Plat) as very prestigious among its respective categories just because you don't have them and don't even plan on having them! LOL.

Added on December 14, 2011, 12:55 am
Hahaha OT, mine is Multiples too. But taiga! Great minds think alike? LOL.
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I think the black cards deserve a better 'carrier'... and LV is quite a good "card carrier" ... don't u think so...


yeah... great mind think alike... hahahaha

so, one monogram canvas, one damier and one taiga... rclxms.gif

anyone using epi leather?

This post has been edited by TeraPox: Dec 14 2011, 01:01 AM
TeraPox
post Dec 14 2011, 01:06 AM

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smile.gif
QUOTE(rockefeller @ Dec 14 2011, 12:58 AM)
Your article on Premier Cards is extremely useful. I find myself referring to it every once in awhile till now!

Added on December 14, 2011, 1:00 am

In that case if any of us finally gets the Amex Centurion, need to start looking for Hermes wallet! Ha ha ha.

Added on December 14, 2011, 1:02 am

Terapox, just noticed you had CIMB Plat and DA Plat those days. Separate credit limit right?
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i think yes... dun really remember... I kut off DA long long ago already... smile.gif

btw, now still got DA? or they have already merge into 1?

This post has been edited by TeraPox: Dec 14 2011, 01:07 AM
TeraPox
post Dec 14 2011, 01:13 AM

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QUOTE(manjohari @ Dec 14 2011, 01:08 AM)
let me see if i can find her namecard, u can give her a call hehehe...

if the gimme VI with 40k cl, i'll return back hehehe....
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on second tho...

having MBB VI and WMC and CIMB WMC OR VI can let u and ur wife/gf/bf dine in almost every hotel in KL and enjoy 50% discount... smile.gif

Added on December 14, 2011, 1:18 am
QUOTE(Gen-X @ Dec 14 2011, 01:06 AM)
No no  I am keeping my MBB VI, the 5X TP is great for overseas and my PPM card number is really superb.
Well, for my case, it was a gift so I guess I can't say the same  tongue.gif
No wonder my hits are increasing exponentially  tongue.gif  Thanks Bro for your support.
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please write more article teaching ppl how to make full use of their premium cards...

like for example...

go to doma alone..

order a scone

order a latte

and pay using CIMB WMC or VI

ur latte will be free and u only have to pay RM7+ ... laugh.gif

This post has been edited by TeraPox: Dec 14 2011, 01:18 AM
TeraPox
post Dec 14 2011, 10:33 AM

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QUOTE(samsungXP @ Dec 14 2011, 07:20 AM)
i suprise that my frenz holding every bank cc
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ur friend is Bro. Gen X? biggrin.gif

Added on December 14, 2011, 10:35 am
QUOTE(pspfan @ Dec 14 2011, 07:39 AM)
when i got the VI they increased another 80k on top of my current CL .
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altho most of the black kad user CL is already rediculously high... but by increasing our CL is a token of respect... we should appreciate it... lol...



This post has been edited by TeraPox: Dec 14 2011, 10:35 AM
TeraPox
post Dec 14 2011, 11:08 AM

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QUOTE(Gen-X @ Dec 14 2011, 10:55 AM)
if a person is able to qualify for a Premier card, he/she should be as smart as me or even cleverer and no need me to teach anything, haha

haha, yah, order a scone at Dome for tea and get free coffee ( i prefer flat white), for my case, my wife has the CIMB black cards too, so we separate the bill and get two drinks free  thumbup.gif Same goes for GSC movie tickets where my son also got the CIMB WMC, so get 3 free tickets, hahaha
no lah not me, must be another fool like me  biggrin.gif
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blink.gif nvr tried that b4... if u seperate the bills, do u need to sit @ different tables? we tried that alot using amex @ shang and WMC @ hilton... 4 of us go, paying for 2, but they have to separate us into 2 tables next to each other...

about gsc... i seldom go movie... but i tok u need to buy 1 ticket inorder to get another one free, right? and now CIMB only offer normal class b1f1 ticket @ gsc , right? while HSBC still offering all class including gold class b1f1...
TeraPox
post Dec 14 2011, 12:29 PM

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QUOTE(Gen-X @ Dec 14 2011, 11:28 AM)
yes need to be separate bills, for my case, I usually go with my family, and I be smoking away outside whereas they are at the aircon table. As for scone, I eat alone for tea while waiting for them at shopping malls.

Yah CIMB buy 1 free 1 ticket and for normal class only now (which is just nice when my eldest is back here since there are 6 of us).

To All: just posted a short post on Hong Leong Bank 5% cash back promotion. But the promo is for selected cardholders only, i.e. they will receive SMS from HLB. I guess this is worst than HSBC needing us to register. Promo runs to 28th Feb 2012 and cap at RM40 payable one time only doh.gif
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bro Gen X... do u happen to hav SCB WMC? now i'm eyeing on it...
if yes, mind to share wutz the benefit it brings?
TeraPox
post Dec 14 2011, 01:13 PM

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QUOTE(rockefeller @ Dec 14 2011, 01:02 PM)
Bro Gen-X, the UOB Midas card can be considered very prestigious too right?
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by invitation only... they should have make it black... call it Midas WMC... biggrin.gif


TeraPox
post Dec 14 2011, 04:24 PM

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QUOTE(JonnY @ Dec 14 2011, 03:30 PM)
Is it so hard to get a credit card? I had been working for 6 mths now and application being reject by 3 bank.

Is is that someone need to work for 1 year in order to apply credit card?
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no la... normally after 3 months they will give... as long as ur background is clean... hmm.gif

maybe u can try some "aggressive bank" first... like CITIBANK, OCBC.
TeraPox
post Dec 14 2011, 11:50 PM

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QUOTE(danlhct @ Dec 14 2011, 11:45 PM)
Btw, which bank is hard to get a credit card for first timer? HSBC??
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first time ah.. i think mbb or cimb hard to get...

i heard hsbc... from previous post, i heard ppl saying that he get a HSBC platinum with 3k CL... biggrin.gif
TeraPox
post Dec 14 2011, 11:58 PM

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if still cannot get, u can try to pledge FD for card... should be okie...
TeraPox
post Dec 16 2011, 01:22 PM

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guys guys.... SCB guys called me again...

they r offering me free RM300 for Visa B Plat
and free RM300 AA vouchers for Preffered Master card...

wuts the scheme like? sounds too good to be true... free cash oo..
is there any string attached?
TeraPox
post Dec 16 2011, 01:44 PM

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QUOTE(shiroikun @ Dec 16 2011, 01:41 PM)
You cannot cancel your credit card within 6 months for the bussiness plat, i'm not sure about the WMC
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so i get free 300 pay our beloved PM 50 bucks, then i can spend the rest?

and put the card in my fridge and cut it off after 6 months?

sounds good!

250 enough to buy me a decent meal... smile.gif
TeraPox
post Dec 16 2011, 01:58 PM

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QUOTE(shiroikun @ Dec 16 2011, 01:51 PM)
Yap, you can do so...and many are doing this too...including me!!!  rclxm9.gif  rclxm9.gif
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who can say no to free cash...

seems like scb is losing quite a lot in this scheme every year... smile.gif
TeraPox
post Dec 17 2011, 01:27 PM

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QUOTE(bingozero @ Dec 17 2011, 12:55 PM)
Minimum Income Requirement : RM240,000 per annum and by Invitation Only
http://www.pbebank.com/en/en_content/images/infinite.pdf

Not much benefit if compare to other bank visa infinite
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biggrin.gif PBB's card are famous for their ultra plain design.... biggrin.gif

This post has been edited by TeraPox: Dec 17 2011, 01:28 PM
TeraPox
post Dec 19 2011, 10:15 PM

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I've been using Maybank WMC for ages... and Brother Gen-X kept pointing both thumbs up for their new VI... so, I called the CS last week saying that i want to get a VI, and .... I got my Card today~~ am surprised by their speed... biggrin.gif

user posted image
New Kad on the block...


user posted image
fit nicely in my LV Wallet...and it completes the Cycle of the Dark Side... biggrin.gif


btw... Bro Gen, it comes with a PP form, need to fill in b4 they send it to us, right? I tok other banks do it automatically...

This post has been edited by TeraPox: Dec 19 2011, 10:18 PM
TeraPox
post Dec 19 2011, 10:37 PM

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QUOTE(Gen-X @ Dec 19 2011, 10:31 PM)
Bro, I didn't know my power of influence was so great that it managed to brain wash you  tongue.gif

Anyway, if you are into Enrich miles, the MBB WMC better. As for the dark side, not complete yet, you now must get CIMB Enrich WMC to join rocky's level tongue.gif And to join my circle,  you need Maybankard 2 Cards, hahaha

As for PP form ,read lah the link above.
Maybankard 2 American Express, even better than OCBC, buy iPad2 also can get 5% cash back  tongue.gif
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U better write to MBB ask for commision... biggrin.gif i bet Black Cards pay quite handsomely to the agent, right?
I prefer TP than Enrich Miles... smile.gif

what's the different function between MBB WMC and CIMB Enrich WMC? pls advice.

With all respect... M2C r slightly too common... dun have the "Ummphm..." I believe u know what i mean..

we r the "siok sindiri" type ... M2C just dun have the kick... biggrin.gif


The PP form, can i just fax in?
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