Maybe can consider to request to change or 'upgrade' to maybank 2 cards instead. No annual fee and pretty sure it beats the standalone maybank card in terms of benefits. And you get to keep the treatpoints too.

What is Maybank 2 cards? Sorry been very long didn't follow cc already. I just tell them Maybank 2 cards and they will know?

First post gives alot of info here:
http://forum.lowyat.net/topic/2434771

I think you may need to fill up the card upgrade request form. Easier if you can deal with them at the Maybankard Centre @ 1U or KLCC. If not mistaken, there is a new one at MV.

You think today they are open the centre at 1U? Thanks!

should be, just give them a call first to check.

just got a new job, new salary difference is quite a lot compared to the previous..never had a credit card before although I was already qualified.

so my question is when applying for credit cards will they set my credit card limit according to my new job salary or current?

I understand the banks need 3 months salary slips, but I wonder if they'll adjust my credit limit according to my latest offer letter?

As you said, why don't you wait for 3 months before applying for a credit card. They will use your new salary as reference and I'm sure you can figure out what will happen next right ?

A question here..anybody took diners club cc??i juz got mine wif 19k credit limit..amd what is the different between this and another bank cc?

Are you trying to say you signed up for the card without even understanding the product first ? That's rather unwise isn't it ?
And you come here to ask us to research for you after you signed up for the card ?

This post has been edited by hye: Oct 31 2012, 07:36 PM

I took the loan and they offer me..then i accept it..however,i know this is charge card..

Pls do not simply apply the cc which u do not know....

Any advse regarding this??i never used cc before and nowadays bank sometimes required customer to hv at least one cc to put customer into consideration for loan application to check customer's pay back record..isn't it??

This is up to you whether to accept the offer or not..
For those with hire purchase, this is very common for banker to ask you to sign up a credit card. My answer is always a big No.....

just wanna ask..i started working since feb 2012..started with rm1.7k/month but just got my increment to rm2k/month since June 2012. i understand that in order to get Hong Leong MACH card for 1 hour approval..someone need to have at least 6 months EPF contribution. Am i eligible to get that card in 1 hour if i only started my rm2k/month salary since june 2012?before that my salary only rm1700/month. Anyone pls help me..TQ

Since you insist for an advise ... here it is.

There has never been a mention of any prerequisite for a loan application to be credit card application. Please read your application form and I challenge you to look for that clause that require you to sign up for additional products as the approval condition.
It's always the case of the irresponsible agent trying to meet their cc and personal loan quota (They often carry this together) by "bundling" the both and "conning" the unsuspecting consumer into believing this is necessary. Bro @Titan_Gunners is right in saying ... you have the right to reject + likely you are unwise in signing up for something which you don't understand.

1. Cancel that card and pay up the GST. Consider you are paying the price for your mistake.
2. Don't be misled just because anyone offer you any form of loan.
3. Next time, don't sign up for any financial products you don't understand.
4. Do your homework before coming here and asking people to spoon fed and rescue you.

An HSBC card agent (Works for the HSBC bank and not a 3rd party marketing entity) that approached me admit this to me. They tried the same trick but I counter them with the correct fact which they shyly admits it because I verbally mentioned that I don't subscribe to lying agents. (And there were a lot of people around at that time)

This post has been edited by hye: Nov 1 2012, 11:07 AM

Ok..thanks for ur advise..actually i dont mind to take the credit card that came together with the loan coz i never used any credit card before and i wishing i had one,unfortunately bank rejected my cc application before..my another question is,after i take down this cc,next time i apply for another cc frm another bank,my approval chances will be higher?(dont hv any bad/delay record).
why im asking so is last time i was rejected coz they said i dun own any cc and they cant trace my payment record..is this true?

Hi Bros, I'm Back From Melbourne.

@MilesandMore - collected my National Australia Bank Visa Debit Card. Luckily it's not pink, hahaha. Click above link to see my Black NAB DEbit Card

While I was in Citibank Melbourne, the teller asked it I wanted a Citibank Credit Card. I said yes but I told her I got no income in Australia and she then said sorry no can do then unless I open a CitiGold Account. haha.

This post has been edited by Gen-X: Nov 1 2012, 11:36 AM

1. Unless you are blacklisted, I don't see why you will have a problem.
2. Approval are Yes and No. You should not play the game of getting approval chances higher ... coz if you need to, I'd (and all of us here) suspect you have problems in getting it via normal means + are you that desperate ? If you are ... you need to be realistic and seriously relook at your finances. (You want an honest answer right ? ... here you are)
3. Chicken and egg question but you should not allow yourself to be misled by agents (coz these days where it is more challenging to get people to sign up, they will say all sort of sweet things to you to make you say yes) + only apply a financial product when you truly need it and able to maintain it responsibly + do your homework before jumping in.

This post has been edited by hye: Nov 1 2012, 04:31 PM

wanna ask do Bank Islam - Alumni UiTM Platinum MasterCard Card-i got annual fee?
what it states in their website not so accurate:



they just charged me RM388 for annual fee.

If you had swipe more than 12 times, the annual fee should be waived. Call CS immediately and ask for waiver.