free gift by alliance bank

Just because SCB gave you 16K CL, it does not give you the right to demand equal CL from HLB (or from any other bank). What's the basis of award ?

Credit Limit also got good or bad deal ar If she really wants to know, ask her go apply OCBC and see what she gets and then if she don't mind sharing the info let us know.

why do u call it most despo?

i fail in several foreign bank aso..i wonder why u think standchar easier,,,

exactly, I also blur what you mean when you said your friend want to know good deal or bad deal  Who really knows how banks assign credit limit for those earning RM36K and above.

If OCBC not suitable, try MBF for comparison sake. But I can tell you one card that can give her higher CL, ask her go apply CIMB VS, with her salary, she will get higher CL than her MBB 2 Plat. But will you then say she got a bad deal for he MBB 2?

**Edited**
CL does not mean anything, it's the cardholder spending pattern that is of importance when considering a credit card.

For examples:

If one gets CL of RM10K for OCBC TMC, does that mean he or she got a bad deal? The OCBC TMC is only good for up to RM1K transactions with the 5% cash back. RM100K CL with OCBC TMC is useless.

Compare CIMB VS where CL is RM50K but only earns the cardholder 1X points to MBB 2 AMEX, which is better for transactions at Louis Vuitton or when buying groceries at TESCO?

And like I said, want higher CL, go get AMEX charge card and enroll into Turbo Points and earn 1.5% equivalent cash back.

Been awhile I did not call SCB's hotline, called them today and found their service extremely terrible. I hung up on the first call as its taking too long to check my information, asking for card info they tell me my saving account dormant after putting me on hold for say 3-4 minutes... Hope they have survey call like Ocbc, gonna rate them badly.

I think now no more already. Even if you use your current CC to apply (even if more than 1 year old), they will still ask for your credit limit.

compare to Plaza PL...it's
much bigger,much cleaner,much much nicer, more quiet, food much much better,got haagen daz ice cream, got liquer, got champagne...

Just answered your own question there haven't you? Also, there are some places locally that ask for IC, not just overseas.

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...

You no need to worry about the GST and the annual fee, it will totally waived for the first year. I suppose if you call up to waive everything, they will do so for the 2nd year.

The only benefit I see from this card is, you can enjoy 0% interest charges for outstanding not more than RM2000 for gold card and RM3000 for platinum card. You no need to pay full but make sure your outstanding amount don't exceed 2000 for gold