Bro, you quoted wrong post lah, hahaha, go see. I guess what you meant was below:

Are you sure HSBC Amanah Minimum CL is RM7K. I mentioned in my article Malaysia Premier Credit Cards that HSBC Visa Signature minimum CL is RM5K! That was what I was told by HSBC CS. So, call HSBC CS and ask them to reduce the CL - I would think the minimum CS for non HSBC credit card should from RM3K or maybe RM4K.

wah, since when ronnie can ban people here

Yah, agree with above. Trusting a guy because he/she sent a PM then giving out personal info to a stranger is no different compared to those who got conned over the phone - Fraud Calls Relating to Credit Cards.

Bro, can I start a thread on credit card agents and anyone else too who sent unsolicited PM relating to credit cards? hahaha

This post has been edited by Gen-X: Aug 15 2012, 01:26 PM

Bro, thank you for the support.

However, if ever my thread is approved later by hye, agents cannot advertise, they can go to Notice Board. The purpose of my intended thread is to highlight spammers/potential scammers/Forum Rule breakers in Credit Card Section but not to the extend we want them to be banned or warned like here where Admin/Staff will take actions.

Forum Rules and Regulations
Do not abuse the PM system. Do not send unsolicited messages, however well intentioned. A single PM is sufficient to constitute spam.

I will then compile the reports and summarize it in Post#1 for easy reference like my Suspicious Telephone Thread

I think you are doing the right thing by not allowing members to request agents to contact them here; and, it also prevent others from doing the same. But more importantly, your this said action is done for the benefit of the member (so that they are not taken advantage off in this CC Section) and I don't see why would anyone object to it.

Members and agents can go to the Notice Board Section if they want to be contacted.

If a member wants to report, they need to post screenshot as evidence. And yah, KIV that "future" thread, already too many thread to update anyway, haha.

This post has been edited by Gen-X: Aug 15 2012, 03:38 PM

Bro, be kiasu like me, call OCBC to confirm it's OCBC that called you and not somebody else.

And talking about Kingt, he actually PM me half hour ago

Based on his posts at OCBC Thread, he is not sincere guy. He mentioned he will recommend his agent whereas he is the agent.

Noted also in OCBC Thread he offered to PM our MOD MilesandMore back in April offering GST waiver

Obviously he don't read the posts here but lurk around here to just cari makan.

This post has been edited by Gen-X: Aug 17 2012, 01:07 AM


Attached thumbnail(s)

Same for me, I would like to take this opportunity to wish all Muslims Selamat Hari Raya Aidilfitri.



This post has been edited by Gen-X: Aug 20 2012, 08:18 AM

Better you go read the terms and conditions for the Petrol Cash Back and understand them before you sign up for it. Don't want you come back here and complain you got cheated like thomas, see post #723. And check my blog next week where I will be publishing an article on RHB Credit Cards.

This post has been edited by Gen-X: Aug 24 2012, 02:56 PM

RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can

Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip

You mean you have HSBC Premier Banking and you are not issued their WorldMasterCard?

Not necessary if you have an existing card with the same bank.

For example I applied for Maybank Visa Infinite in October 2011 without any documents via phone.

And if you have a Maybankard, walk into Maybankard Centre and you can apply for the Maybankard 2 Cards without any documents and the card can be issued to you within 2 hours.

Same applies for MACH by HLB, if you existing HLB cardholder, go to a MACH centre and the card can be issued to you within 1 hour without any documents except for your NRIC.

Complimentary cards are still being issued for PB customers.

Since BNM guidelines was announced in March 2011, these are the following new cards which I have obtained without submitting any pay slip because I simply don't have any starting from January 2011 (did not submit BE Form too). My wife and I have obtained several cards through Premier Banking and both of us are unemployed.

- My wife's Citibank PremierMiles and my Citibank Platinum. - April 2011 applied thru CitiGold and both declared unemployed (Citibank will ask this when you are opening a banking account with them and it will be reflected in their system). I got a shocked the CL Citibank gave to my wife considering she has two other Principal credit cards of her own and she has zero income.

My Wife's and my Standard Chartered Bank Visa Infinite - October 2011, both Principal cards obtained via Priority Banking. Once again both obtained the card without submitting income documents because we don't have any. Same thing for my wife as far as CL is concerned, SCB really generous giving CL to my wife. For me, the CL was less than my other Premier cards.

And my latest card UOB Privilege Banking Visa Infinite last month without submitting any documents too, just sign on the form and my RM did the rest

Having said that, one can also apply for new Alliance Visa Infinite thru Privilege Banking and on the application form there is a box for one to tick if he earns above RM36K.

This post has been edited by Gen-X: Aug 26 2012, 11:47 AM

I agree to above 1st paragraph and I think the minimum annual income should be raised further to RM30Kpa since nowadays many debit cards offer benefits similar to credit cards. Also, BNM should also seriously look the maximum period for installment plans and make it not more than 12 months and ban balance transfer plans. The other thing is BNM should also apply the credit card requirements to personal loans where the maximum loan amount shall not be more than 2 months salary.

Anywhere on earth if one got no income from legit source, sure very hard (not impossible) to get a Principal credit card. When I was in Australia I asked the Personal Banker if I can apply for a HSBC credit card with my Malaysia issued HSBC VS and was told NO. On the other hand, no problems in getting Australia Debit cards. Those of you who want to see my Australia Citibank, Commonwealth and HSBC Debit Cards click here.

Having said above, the HSBC Personal Banker did confirm that there is an exception if one has HSBC Premier Banking Account. You see, if I have a Malaysia HSBC Premier Account, I'll automatically be eligible to open an Australia HSBC Premier Account (without depositing the minimum amount required for Premier Status) and as such I can get HSBC Australia issued World MasterCard without needing to proof any income Initially I thought of opening a Malaysia HSBC Premier Account but then decided against it as they don't offer FD Promotion to existing customers and as such I will be earning less from interest compared to FD promos in town.

This post has been edited by Gen-X: Aug 26 2012, 11:33 AM

Yah, RHB Travel Money is amongst the best RHB Classic Credit Cards series since you can earn you 2X points for selected transactions.

Currently, RHB have pretty good promotions on Friday where we get Freebies at Starbucks, GSC, Sushi King and Popular Bookstore. And they are offering 0% Balance Transfer Plan until 31 December 2012.

I just published by latest article where I did a short review of several of the RHB Credit Cards, please click on below link to read more. As usual, there will be comparison of cards, and in this article RHB Tesco versus Maybankard 2 Card and I also touched on RHB Travel Money petrol rebate.

RHB Credit Cards Review & Promotions 2012

I suggest you call MBB CS and reconfirm the procedures - i.e. do you need to make an "official" written report or if you are required to fill any form(s). By the way, take down the name of the CS and record the time and date of your conversation too,

In the past, for Buka Puasa buffet, some hotels even make me sign on a fax copy to confirm booking. But I can't remember which hotels. Oh, I my reservation was for many people and not for a couple.

This post has been edited by Gen-X: Aug 28 2012, 10:38 AM

That AEON installment got interest charges lah. For 32" or 40" TV, nowadays it's kinda cheap compared to 5 years ago. Better you go use cash or debit card and pay one lump sum.

When you cancel the card, did you ask that the GST be cancelled too? Anyway call CS and tell them you were conned and see what they can do. If they not willing to waive, then I suppose you can lodge a complain with BNM.

But, it is your fault for being negligent and not ticking on the application form what card you want. Luckily the agent the did not tick on all the cards

You did not sign anything? You sure? Was there a box to tick in your loan application? If you really did not sign anything, than someone must have forged your signature because you have to agree to the terms and conditions.

This post has been edited by Gen-X: Aug 30 2012, 10:30 PM

Huh? Was your conversation recorded? What proof the bank got you applied for the card?

anyway, what bank? maybe the card can benefit you.

Yah, what you mentioned is possible. So, ask for a copy of the signed application form for your records (they need to photocopy your IC right) or take a photo of the application form with your smart phone

Yes, you may appeal if you know the reason why it was rejected and you need to justify why you should be given the card.

I guess the first requirement besides needing to be 21 years old, you need to meet the minimum income requirement of RM24K.

Go ask your bank if you can apply for one based on your current account.

Read This Thread and there is a link to Visa International Exchange Rate Estimator

Just use your Petronas Card as you would in Malaysia and don't worry about the exchange charges.

If you need cash while in Singapore, use your Maybank ATM Debit Card (if you have one) BUT never use credit card for cash withdrawal as you will be imposed a fee upfront and subsequently daily interest shall be imposed. Furthermore, will it be convenient for you to access a MBB ATM?