I just read about Gen-X's blog post regarding the iPad2 purchase at Harvey Norman. Gen-X's blog is ever enlightening, really learnt a lot especially when I'm still a newbie.

Nice, gave me lots of wild idea.

OK, I tried buying AirAsia ticket on Thursday's midnight and AmEx didn't go through, in the end I used VISA. Though I lost out the 5xTP but I paid a much lower convenience fee. (Actually I bought for my colleague, if for my own ticket, I'll use M2U).

Er, I forgot what the error says but is that something to do with this new enhancement? Since AirAsia is also online based.

This post has been edited by fruitie: Dec 11 2011, 12:18 PM

VISA is RM 5, but I forgot how much was AmEx, either RM 10 or RM 15.

I just used MSOS for AirAsia and Groupon... That's on my VISA.

Oh yea, so it is upgraded? Yeah, it is something like TAC. Much convenient I must say.

Why wanna get when you know you can't?
My current annual income is more than 40k yet I still got Gold.
Next year new adjustment will be more than 48k and I don't foresee the chance to be upgraded to Plat.
I just want my CL to be increased, that's not gonna happen.

Actually my CL is sufficient for my usage but it hurts me a bit to see such puny CL.
Which particular plat benefit that you are looking at?
I think I'll try to apply for one OCBC Ti next year and before my CIMB DA approaches its anniversary, I'll get it cut off, provided I already got an OCBC Ti.
I don't see the benefits of keeping the CIMB DA... Looks like Maybankard2Gold + OCBC Ti is the best combo for me now.

I got mine at the third month if I remember correctly.

Heavy transactions don't really guarantee one to get a Platinum these days. Banks are getting stricter, they only want to see your income which fulfills their requirements then only Platinum will be granted.

Still there is hope. I'm a newbie also when it comes to CC world.
So, please don't take my words seriously.

It is weird that someone wants to apply for a CC but doesn't want to show payslip?

What's wrong with that?

Don't get me wrong, I'm in HR department and looking at people's salary is a norm for me.

Anyway, earning a lot or not, payslip is one of the criteria for credit card application. Just that there are people who can escape by just submitting in current existing credit cards but not all the time. What's worse when BNM has stricter regulation for this.

I use CC to earn little cash rebate and points.

This month, I started to swipe almost all my expenses using credit card, I swap between my Maybankard2G and CIMB DA. Both have different statement dates and I always make sure I have the cash to pay despite using CC to pay.

It's nice to see that transactions occur after statement date will be paid in the next 2 months.

I went through the route too but the waiting time is pretty long compared to apply directly from the centre or agent.
You need to make constant follow-up.
The good thing is you don't need to submit any documents. That basically saves a lot of time.

I'm thinking of cancelling my CIMB DA before the anniversary next year's July.
Hopefully in between I can get an OCBC Ti. Perfect combo for my Maybankard2Gold.

I can. No issue.

I thought less than 36k annual income cannot have more than 2 banks' credit cards?

@lazyserv: Well, if PBB Card doesn't serve you right, might as well just cancel it off and try your luck again applying for the Maybankard2Gold?

This post has been edited by fruitie: Dec 26 2011, 01:50 AM

As Gen-X mentioned before, you can try if your annual income >36k before (or after) 6 months.

Amazon can use PayPal right? Just link AmEx to PayPal and use it during weekends. That's my suggestion la.

I have never tried buying on weekdays before.

Since when having Degree is one of the requirements?

Suggest you to wait for 3 months then only apply.

Usually if you fulfill the requirements, you shouldn't have much issues in getting one. If you get rejected by them *touch wood*, then you can always appeal.