It's a good thing to check our CCRIS once in a while. Well, BNM limits us to check it once everyone three months only. I wondered how's your CCRIS report looks like. No remark at all i suppose ? Mind to share


I was just 17 years old when i first checked into a hotel using my own name. It was Le Meridien Singapore (now Concorde Hotel) and the check in went through just fine. Anyway, the hotel was all paid for before i checked in

Lucky lah your son. Only 19 years old already got a World MasterCard. Even a debit card was so rare just a few years ago and i had to screw the internet over and over again before i finally found out that Public Bank offers a VISA Electron. Wanted my own card so badly then because i often buys something from the internet and it is much more convenient if i have my own card

This post has been edited by MilesAndMore: Jul 31 2011, 12:29 AM

Actually my eldest son before at age 17 had 3 Debit cards - Public Bank Visa and 2 from US banks { Chase [ your avatar ] without my consent where he just needed to proof he is an undergraduate and his Uni Bank where account joint with me as he was under 18 and cannot have own account }. Since last year, he has Alliance Premier Debit Card that earns him 2% cash back but he doesn't use it often as that is his own money and instead uses my supp cards,

Nowadays kids can get Debit Cards easily. All my children have Debit Cards. And you are right, with internet, one can buy anything from anywhere. My eldest daughter since age 14 have been using her Public Bank Electron card to buy clothes from HK and the other day my son bought worms couriered to my house for his fighting fishes When I was young, I went to the road side drain to get the worms!

Reason why gave him DA WMC was so that he can buy XO at Eraman for me when he comes back. Too bad fags no discount.

This post has been edited by Gen-X: Jul 31 2011, 10:14 AM

Hi all, if i want to pay my bill online, do i need to register my AMEX card first? Want to pay p1wimax bill, thanks...

Didn't you read kei18kun reply to your post at Where To Use Amex Thread? P1 do not accept Amex.

This post has been edited by Gen-X: Jul 31 2011, 10:07 AM

All 'O's. No '1's, '2's etc as all payment done promptly.

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Added on July 31, 2011, 11:26 amWhat a meager CL. Never had such low CL even when I was a supplementary before getting my first card when I turned 21.

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Added on July 31, 2011, 11:30 am

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Added on July 31, 2011, 11:31 amFalse

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Added on July 31, 2011, 11:33 amHow presumptuous


This post has been edited by vanderbilt: Jul 31 2011, 11:33 AM

If it is not balance transfers, then it is either retail balances or installment plans (if you include this as outstanding balance)

Paying minimum & being charged on interest rates for the outstanding balance is not really a smart way. Anyhow it is your money & life, spend as you see fit. If it is installment plans, then it is alright.

On the new card application, since your records are clean then it should not be a problem. CL offered should be between RM 40k to RM 100k.

This post has been edited by ben83: Jul 31 2011, 12:04 PM

Sounds like you are one of those 'silver spoon to the mouth" backgrounds. It is your choice to continue to carry such a large balance and yet want more cards (of high limits) to continue the debt spiral. It doesn't scream "prudent financial management", and could possibly hint to the banks you may not be exactly mature enough to handle such large credit limits.

Possible high income due to directorship/position in FAMA company?

Just my 2 cents.

Try apply UOB, OCBC and Public Bank to see what CL they give you

Yes mostly interest free installment plans to allow greater flexibility for cashflow.

Thanks for your input, much appreciated.

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Added on August 1, 2011, 1:23 amThanks, hopefully they have more appealing cards in the future. At the moment, none seems to interest me.

This post has been edited by vanderbilt: Aug 1 2011, 01:23 AM

does ocbc or scb have free IBG transactions and doesn't charge annual ATM fees ?

You should inquire them if they have Basic Saving Account.

Try apply RHB Bank Visa Infinite instead, the CL start with minimum 200K....

Hi , my GF want to apply CIMB enrich gold .. is it possible to get approve .. her salary is less than RM36k per year ..the requirement is RM50k .. anyone experience this ?

hahaha, first he needs to pay himself more to qualify for the card (and thus pay 26% to government) and then can use the RHB VI minimum CL RM200K again for cash flow and to sustain his high salary

This post has been edited by Gen-X: Aug 1 2011, 02:10 PM

yes, SCB has got SuperSalary account which gives you ATM card for free, and without annual fee.
Service charge for withdrawal within SCB is free, however, within House network is RM1 and Meps network is RM4.

Oh my God!!!

Public Bank 8-12% cash back is back again! Check out their website.

Hey guys.. whats the difference between HSBC amanah and conventional card? All i heard is just one is point card and the other is a cash back card. Is there difference in privileges in local as well as overseas?

I had a bad experience getting HSBC to give the same promotions to the Amanah cards. So I cancelled it.

PB Credit Card offers Online Applicants 10% Cash-Back on their first month usage... maximum RM100 per new-to-bank CC.
After paying the RM50 GST, you get RM50 NETT cash back (equivalent to 5% cashback)