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

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MilesAndMore
post Aug 25 2011, 11:17 PM

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QUOTE(chemistry @ Aug 25 2011, 10:47 PM)
Found a credit card collector in another chinese forum  rclxms.gif
That is one seriously loaded guy biggrin.gif

MilesAndMore
post Aug 26 2011, 11:23 AM

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QUOTE(Gen-X @ Aug 26 2011, 09:56 AM)
noted the number. As for the Chinese characters, I got no idea what you wrote, but after translating it kind of get the menaing. It was like up and down like roller coaster ride.
Actually, i shorten it. It should be 一路顺风 which means a pleasant journey biggrin.gif Sorry. Wasn't aware you did not go to Chinese school.


QUOTE(Gen-X @ Aug 26 2011, 09:56 AM)
To ALL: I was at Macau last few days and only used my MBB Plat MC. And you know what, there were two places where I can choose either to swipe in MYR or MOP based on MC conversion rate.
And how was the rate ? The one quoted to me at Pageone bookstore at Taipei 101 back in January is so high.

This post has been edited by MilesAndMore: Aug 26 2011, 11:24 AM
MilesAndMore
post Aug 29 2011, 04:43 PM

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QUOTE(nokiaXP @ Aug 29 2011, 04:17 PM)
ord 1 year.still need income document or juz the cc?
For credit limit increase, you must give them your latest salary slip.
MilesAndMore
post Sep 2 2011, 12:11 AM

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QUOTE(airline @ Sep 1 2011, 05:17 PM)
Which bank credit card better for overseas spending
Maybank platinum, American express or
Cimb world card

Thank u
You are no stranger to this board. So please make good use of the existing thread and post any of your queries there. Thread merged. Thanks!

MilesAndMore
post Sep 5 2011, 02:44 PM

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QUOTE(cenkudu @ Sep 5 2011, 10:44 AM)
I'm not interested with this one but the way she spoke like I'm the only one who decline to receive the offer.
A few banks offer this. I think it's called CPP or something. HSBC credit card definitely has it and if i'm not mistaken, Citibank offers similar thing too.


QUOTE(cenkudu @ Sep 5 2011, 10:44 AM)
I'm not interested with this one but the way she spoke like I'm the only one who decline to receive the offer.
I've received many such calls before too but i declined it all the time. And i think it's more like 99% of those they called decline the offer rather than accepting it biggrin.gif

MilesAndMore
post Sep 7 2011, 04:19 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
The link did not say that those "supposedly" to be earning more than RM36k/pa do not have to update their income record at Standard Chartered.
MilesAndMore
post Sep 12 2011, 12:43 AM

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QUOTE(onthefly @ Sep 12 2011, 12:07 AM)
but she said i have to wait 6 months to register again as they will check my IC if i did register in this 6 month. is this for real
*
Yes. It's real.
MilesAndMore
post Sep 15 2011, 04:22 PM

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QUOTE(cenkudu @ Sep 15 2011, 12:25 PM)
is it wise to use CC if we can find other shop who sell something with cheaper price but need to pay by cash. considering cash back or points also consider expensive. i know this is subjective but many people go for CC and the only benefit I can see is the 20 days free interest only.
*
If any store can sell me the exact same thing i want to buy for less if i were to pay by cash, i will definitely pay by cash. No doubt! smile.gif

MilesAndMore
post Oct 19 2011, 09:32 PM

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QUOTE(Gen-X @ Oct 19 2011, 06:17 PM)
Congrats! First person to report here to have the MBB VI. Nice ar the card? Can post picture of it?
file=...2199&sec=nation[/url]
Man... been away for just a while and Maybank introduced a new card again. This card looks awesome benefits wise thumbup.gif

Yeah, please post a picture of your MBB VI. I am curious how the actual card looks like biggrin.gif
MilesAndMore
post Nov 2 2011, 12:51 AM

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QUOTE(Gen-X @ Nov 1 2011, 05:37 PM)
Just received my Maybank Visa Infinite today and it has the No.8  smile.gif

Click here to read my latest article and view photos of the MBB VI welcome kit.
*
Congrats!!! rclxms.gif Did they ask you to provide any additional income document or they just review your existing credit card accounts ?
MilesAndMore
post Nov 9 2011, 10:52 AM

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QUOTE(Gen-X @ Nov 9 2011, 10:33 AM)
» Click to show Spoiler - click again to hide... «
Speechless! May be you can report it to Wordpress ?
MilesAndMore
post Nov 10 2011, 09:05 PM

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QUOTE(y_owez @ Nov 10 2011, 08:06 PM)
hi all

this is my case :
i'm in overseas and will be goin back to malaysia and HK for a holiday trip

i would like to know it is possible for me to open a bank account in malaysia ( my old maybank closed cause i've been overseas a few years )
You still have a valid MyKad right ? Of course you can.


QUOTE(y_owez @ Nov 10 2011, 08:06 PM)
and how can i get a credit card for holiday? i know need Jslip form all that.but i dont have all those and i dont have a credit card overseas
- Option A
Show them your payslip from the company you are working in now even though the company is not in Malaysia. No guarantee this will work though. Malaysians working in Singapore have no problem applying for a credit card using such method.

- Option B
Do you have RM200,000 ? Remit RM200,000 back to Malaysia and open a HSBC Premier Account at HSBC or Citigold at Citibank or CIMB Preferred Account at CIMB Bank. They will issue you a credit card without the need to show them your proof of income.

Option B is much easier, to be honest. Good luck!
MilesAndMore
post Nov 11 2011, 02:00 AM

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QUOTE(khairilyazit @ Nov 11 2011, 12:07 AM)
how long does it take to actuaally get a credit card?

i'm in sabah btw..
Fastest ? One week. Latest ? Months.
MilesAndMore
post Nov 11 2011, 11:33 AM

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QUOTE(Gen-X @ Nov 11 2011, 06:48 AM)
Another option besides credit card is get a debit card which are issued by Citi,  MBB and UOB  on the spot . PBB debit cards are pretty good for online but it will take about 2 weeks for you to get the card.
For Public Bank Day2Day VISA debit card, it will be issued on the spot at any Public Bank branch. Another option is CIMB Bank. It just came out with a new debit card that is linked to your savings or current account at the bank and this card is issued on the spot too.


QUOTE(khairilyazit @ Nov 11 2011, 10:28 AM)
which bank can approve in 1 or 2 weeks?

i maybe need 1..
Hmm... you can try Citibank. Apply it from the agent and tell them you need it fast. They will send in your application on the next working day. Last time i applied mine, it took 7 days (including weekends) for the card to reach me.


QUOTE(shikuzika @ Nov 11 2011, 11:15 AM)
can some explain to me what is a 'yearly' facility charges - as written in the fees and charges section of the cimb islamic credit card application form. thanx! smile.gif
That is the maximum interest the bank can charge you in a year.
MilesAndMore
post Nov 11 2011, 06:06 PM

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QUOTE(Gen-X @ Nov 11 2011, 02:00 PM)
That is indeed great, but I suppose the card won't have the card holder's name on it.
No. No name on the card. Just a few years ago i had to search high and dry for a debit card that allows me to do online transaction. Now we have so many choices cry.gif Not saying it's a bad thing but it really made my life harder then laugh.gif


QUOTE(Gen-X @ Nov 11 2011, 02:00 PM)
Better than waiting weeks for the Electron card, however the electron card do have advantage where it earns one more for general spending compared to D2D. Now that I know the card can be issued on the spot, I am considering to get it for my online transactions, thanks for the info.
Sure. No problem.

By the way, if you already have their ATM Card, just bring it and get a replacement card on the spot. Card conversion is free smile.gif


QUOTE(turion64 @ Nov 11 2011, 04:24 PM)
Scenario :
If i'm approved for a World Mastercard from Bank A (Requirement Rm72k annual income)

Would I be approved for World Mastercard from Bank B (Requirement Rm100k annual income)

note : my annual income does not reach 100k, my question is will Bank B check proof of my annual income or just see that I already have a World Mastercard from Bank A ?
No. Things have changed since the new credit card rules come into force. Application rules have changed as well.


QUOTE(turion64 @ Nov 11 2011, 04:24 PM)
What are the current process they check to approve a credit card?

In which order do they check?

-annual income
-credit limit
-similiar credit card from other bank
Most banks require you to furnish your application with your annual income statement now if you do not currently hold any card from the bank. However, if you are an existing credit cardholder with the bank, there is still a big chance they are going to request you to show them your latest proof of income, especially if you are applying for a higher ranking credit card.
MilesAndMore
post Nov 13 2011, 12:39 AM

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QUOTE(rockefeller @ Nov 12 2011, 11:40 PM)
I have a question. Among credit cards issued by major international banks like HSBC, Citibank or Standard Chartered, which one generally provides the best conversion for retail transactions overseas?

Surely they don't match MBB's rates, but which ones are most competitive?
QUOTE(zenquix @ Nov 12 2011, 11:43 PM)
you can refer to https://forum.lowyat.net/topic/1845691

think it is Citibank. I recall some posts back where it was discovered that Standard Chartered's rate is close to Amex's
I think it's HSBC actually (KIV). Last time i charged something in USD to my HSBC, the rate is very competitive, almost the same as Maybank's.
MilesAndMore
post Nov 15 2011, 07:59 PM

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QUOTE(samsungXP @ Nov 15 2011, 07:28 PM)
juz call scb and they say if your last time application for cc income is more than 36k per annum u still need to summit your income document by end of this year.got such thing?
May be... may be not. Just wait and see if anyone from SCB calls you or may be those involved will get a letter from their credit card department.


QUOTE(alexwsk @ Nov 15 2011, 07:48 PM)
QUOTE(samsungXP @ Nov 15 2011, 07:28 PM)

now those income below 36k apply for any type of cc also wont get approved.
don't mislead ppl doh.gif
those income below 36k can only hold cards from 2 banks
Yeah. There is absolutely no such thing!
MilesAndMore
post Nov 17 2011, 04:20 PM

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QUOTE(Edison83 @ Nov 17 2011, 02:43 PM)
I think its normal that u go a PC shop and buy stuff using CC sure charge atleast 3%, excluding those large PC superstore
Many computer shops don't do this anymore. Besides, charging 3% more when a customer wants to pay by credit card is such a rip-off because the merchant fee is only between 1.5% - 2.5% for VISA and MasterCard nowadays. Even smaller shops with small sales through credit card can get the merchant fee around 1.8% - 2% only.

MilesAndMore
post Nov 17 2011, 04:55 PM

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QUOTE(Edison83 @ Nov 17 2011, 04:46 PM)
ps: mod, is this starting to off topic? if do, please delete any post that relelated, thx
No worries. It's still a credit card related subject smile.gif

MilesAndMore
post Nov 17 2011, 05:44 PM

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QUOTE(Gen-X @ Nov 17 2011, 05:16 PM)
Today I receive my Starwwood Privilege card via courier.
Just noticed this Starwood Privilege Card is free for you. Anyway, are you a SPG member ? If you are not, make sure you enroll for it online. They will not automatically send the card to you. Once you have successfully enrolled for SPG online, click request card and choose your desired card design. You will get it in a few weeks time smile.gif


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