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!

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.

hi guys~

I got this one cc which my credit limit is 3k. I already bought 1 item worth 1.8k and converted it into an installment plan. My balanced will be 1.2k. Now I want to buy 1 more thing worth 1.6k =.= should i ask for more credit limit? or is it should be ok cause my credit limit is 3k or it's not ok cause my credit limit now is 1.2k ++~ =.=

-noob-

after u pay for ur installment for few months, you should have enough credit limit already OR you can ask bank to increase your credit limit

since u have one month salary slip now, just wait another month lo, what's so difficult

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.

i thought you can only request one report per year?

1 report per 6 months using the automatic system but if you still need the report before 6months can ask at the counter

One report for every 3 months.

ic, time to get mine again
want to see whether pbb cleared my late payment record or not

Dear forummers,

Please be informed that Maybank does not implement "3 days grace period" for payment made to credit card account. I was just advised by Maybank Platinum Services. He said "MBB has never implemented and never aware of that grace period".

And because of my negligence, my 3-day late payment (23/8, due 20/8) to MBB credit card had incurred finance charge.

I believe there is a misunderstanding on your part regarding what the grace period means with MBB CS miscommunicating to you (or you understood him/her wrongly). If you refer to the ABM press release linked below, banks will not charge you late payment fees for valid payments received up to 3 days from statement date. Late payment fees here refer to the 1% late payment charge (min RM5/max RM50). It does not refer to the finance charges, of which banks can apply or ignore.

In my experience, MBB and CIMB charges, OCBC does not.

For the benefit of other members, valid payments above is defined as cleared payments. That means if you deposit a cheque 2-3 days after the deadline, you can expect to get charged late fees as it will only clear after the grace period.

http://www.abm.org.my/upload/Further%20rel...dit%20cards.pdf

Oh ! I see.
So I managed to escape from late payment fee. But finance charge was still applicable.
Thanks for your kind explanation.

Are there any credit cards for students with no income? I'm asking on behalf of my cousin.

Credit cards application / eligibility requirements require you to show proof of income of a minimum of RM24K per annum. This is set by BNM and practiced by all banks in Malaysia. The answer is NO since you wanted (or your cousin) wanted a credit card.

juz email scb to increase my platinum visa cl from 16k to 20k.done in 1 weeks without any proof document needed.b4 this call hlb and citi to increase but they asking for income document..too bad this type of service

Lucky you. Congrats.
on the contrary, I'm looking to downgrade my SCB CL, it's way too high.

This post has been edited by chemistry: Sep 3 2011, 04:19 PM

got income worker, also not easy to get a card, don't say student

Nah I got my own credit card la. I'll tell her to stick to the debit version of credit card .

but my another month salary wont be that high. due to my banks revised something. It makes a really really big different.