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

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TSalexwsk
post Jul 11 2011, 12:43 PM

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QUOTE(David83 @ Jul 11 2011, 11:19 AM)
Let's open one thread for Citibank CC. whistling.gif
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oledi suggested b4, but no one wants to do it laugh.gif
http://forum.lowyat.net/index.php?showtopi...post&p=43262597

after that ct comes and sponsored this thread liao sweat.gif

This post has been edited by alexwsk: Jul 11 2011, 12:46 PM
TSalexwsk
post Jul 12 2011, 08:20 AM

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QUOTE(Gen-X @ Jul 12 2011, 07:00 AM)
I thought it was RM150K, alexwsk, time to revise 1st post.
CIMB Enrich and RHB Visa Infinite are really exclusive cards for the filthy rich and or big spenders. And CIMB sent me sms on contest for ipad2 for what when they have Enrich members.
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so now all banks 200k min
TSalexwsk
post Jul 30 2011, 12:03 AM

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QUOTE(wschoo26 @ Jul 29 2011, 10:20 PM)
Just some update. Hong Leong bank card center called me today and waived my 2008 and 2009 annual fees. And they compensate me with a new automatic life waiver platinum card( i cancelled my old platinum card on monday as when i called and me the customer service in pj city, she refused to waive for me), which means i no longer need to call again to waive annual fees in case I forgot to call.Dont know got any'catch' inside...very scare with these credit card already
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don't forget that u still need to pay GST
TSalexwsk
post Jul 30 2011, 12:44 AM

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QUOTE(wschoo26 @ Jul 30 2011, 12:17 AM)
thanks for highlight it.  GST also can be waive r not? or everyone need to pay for it?
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most of the banks will not waive it without conditions
some banks need you to spend certain amount (eg. ocbc titanium), while some others will offer points to offset the GST
TSalexwsk
post Aug 21 2011, 08:38 PM

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QUOTE(Gen-X @ Aug 21 2011, 07:59 PM)
I thought several people mentioned about GST waiver in UOB, HSBC and Citibank threads. Just search gst waiver and see what you get.

To All: did you guys notice that Citi no longer sponsoring this section (???)
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gd for my eyes
TSalexwsk
post Sep 1 2011, 10:42 PM

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QUOTE(lalakidzz @ Sep 1 2011, 08:01 PM)
please enlighten me on something guys,

I had a Maybank 2 cards Gold since May 2011. That would be my first credit card ever.

I would like to prompt for other bank credit card but almost all banks requires my card to be more than 1 year. It would be easier to apply if i provide my pay slip and related other income documents. However i have just switched to other company. Its a bank.

I had car loan more than 1 year already. It is possible for me to apply another bank credit card with providing my current credit card and a 1 month pay slip as an income document ? Or otherwise upgrade my Maybank credit card limit ?
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if u apply from the bank you are working at, shud not need any documents laugh.gif
TSalexwsk
post Sep 2 2011, 11:50 AM

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QUOTE(lalakidzz @ Sep 2 2011, 12:24 AM)
erm, income around 6k+ havent deduct epf and this that. i settle my debts everytime without owing. I need a higher credit limit cause my expenses more than that.

need to use the card to pay first for the stuff im buying before i can sell it off to customer ma. credit limit not enuf always need use cash.
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since u have one month salary slip now, just wait another month lo, what's so difficult sweat.gif
TSalexwsk
post Sep 2 2011, 08:10 PM

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QUOTE(winner @ Sep 2 2011, 06:29 PM)
Early this year I went to BNM to print a copy of my credit report and I was surprised to notice that my previous 3 credit cards with Alliance Bank which had already been cancelled for years were still shown in the credit report. I immediately made a complaint to Alliance Bank who purposely did not cancel the cards even though I had requested to terminate the 3 cards through written letters and cancellation via branch. One week after my complaint, I receive 3 separate letters from Alliance Bank stating the cards have been cancelled with immediate effect.

This afternoon I went to BNM to get the latest copy of my credit report. And finally, the previous 3 cards with Alliance Bank are no longer in the credit report. I urge those ex-Alliance cardholders to check the record at BNM, as most of the time the cunning Alliance Bank would not officially cancel your cards although you have requested for card cancellation.

As compared to other banks like MBB and SCB, my Amex Gold credit card and SCB Preferred WMC which were cancelled in April this year had instantly been removed by the banks and were not shown in my latest credit record.
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i thought you can only request one report per year?
TSalexwsk
post Sep 2 2011, 08:23 PM

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QUOTE(winner @ Sep 2 2011, 08:17 PM)
One report for every 3 months.
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ic, time to get mine again
want to see whether pbb cleared my late payment record or not
TSalexwsk
post Sep 7 2011, 12:24 PM

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QUOTE(gerrardling @ Sep 7 2011, 10:24 AM)
http://www.standardchartered.com.my/person...ines/index.html
SCB already asking those who earn below 36k per annum to update their income record. Citibank already did that. Guess other bank will follow soon
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my current salary as viewed in online banking is 0
let's see what happens after this laugh.gif
TSalexwsk
post Sep 7 2011, 12:29 PM

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QUOTE(ronnie @ Sep 7 2011, 12:27 PM)
How do you view that ?
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er, login to online banking, go to My Preferences > Update Personal Particulars
SCB did not captured my salary nor my employer's name laugh.gif

or is it they did not display it hmm.gif

ronnie, can u chk urs and see

This post has been edited by alexwsk: Sep 7 2011, 12:32 PM
TSalexwsk
post Sep 13 2011, 10:49 AM

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QUOTE(onthefly @ Sep 12 2011, 02:46 PM)
looks like my scenario, i go try apply again. this time i will say.  " THIS IS MY SUPP CARD. AND I GIVING U MY PAYSLIP WHETHER U LIKE IT OR NOT"  vmad.gif

btw genx great website, help me alot  icon_rolleyes.gif
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don't bother providing supp card
TSalexwsk
post Sep 26 2011, 05:31 PM

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QUOTE(pocketcctv @ Sep 26 2011, 05:22 PM)
Thanks for sharing your point of view. Really appreciate it alot.
I do understand what you are trying to tell me in this post. smile.gif
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make sure you pay at least the minimum amount on or before the due date
else doh.gif
TSalexwsk
post Sep 26 2011, 09:25 PM

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QUOTE(Gen-X @ Sep 26 2011, 09:05 PM)
since you enjoy spamming, why don't complete it by posting in all the threads  and then take a screen shot of this sub-section and post here  tongue.gif
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you just ruined his screen shot for the Pinned section tongue.gif
TSalexwsk
post Oct 10 2011, 04:09 PM

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QUOTE(nokiaXP @ Oct 10 2011, 03:26 PM)
if ccris show 1111... apply for cc still can get approved?
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doh.gif , don't thk so sweat.gif
TSalexwsk
post Oct 10 2011, 05:08 PM

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QUOTE(nokiaXP @ Oct 10 2011, 04:14 PM)
but i apply pl can approved.suppose cc more easiest than pl to approved rite
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well, what amount of pl are u talking about?
if low amount and you have existing relations with that bank, why not

if cc from other banks especially which you don't have any accounts, who want to take the risk rolleyes.gif
TSalexwsk
post Oct 10 2011, 07:11 PM

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QUOTE(shiroikun @ Oct 10 2011, 06:55 PM)
what is the meaning of 0000 and 1111?
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0 means ontime payment
1 means late payment
TSalexwsk
post Oct 21 2011, 09:36 PM

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QUOTE(hye @ Oct 21 2011, 06:09 PM)
I did saw the earlier post and I'm aware of the suggestions made. (Which was highly shocking and inappropriate) I came in only later in the evening ... and I'm sure many had already read the post. (Sigh ...)
The additional post contains quoted posts which had some references/clue to the earlier suggestions and I don't think we should be showing that for public consumption. Apologies if that unexpectedly deleted some of the additional comments as well.

To everyone here ... appreciate if everyone could take time to bother reading the T&C of your card. It explains a lot of things you can do and should never do. Doing something inappropriate can get you into a whole lot of trouble.
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no worry, i suggested to merge the thread into general but was initially about to suggest to just delete the thread tongue.gif
TSalexwsk
post Oct 31 2011, 09:27 AM

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QUOTE(ivanchin99 @ Oct 31 2011, 12:20 AM)
Okie thanks for the quick respond.  icon_rolleyes.gif
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for pbb, confirm you'll need to walk in and fill in a form
TSalexwsk
post Oct 31 2011, 09:29 PM

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QUOTE(Gen-X @ Oct 31 2011, 08:20 PM)
I posted below question at SCB thread but everyone there is excited over the 20% cash back.

To ALL: Does the SCB Just One still earn you guys up to RM600 cash back on a Friday?
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Yes


Added on October 31, 2011, 10:24 pm
QUOTE(stranger88 @ Oct 31 2011, 11:50 AM)
guys, i really no idea how to calculate the interest for late payment. please help

let say this month statement = 1k
i pay 500 only for this month

how much the interest (RM) will they charge me for the next month? (will clear it all next month)
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does it really matter? just pay what is shown in the statement
wanted to remind you that the interest is high though, and if you continue to swipe the card, interest will be charged on new transactions as well

This post has been edited by alexwsk: Oct 31 2011, 10:24 PM

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