try the standard chartered cards...can get cash back!

Anyone cancelled their booking with Agoda and received the entitled refund on the credit card payment before? Just would like to know if it will be a hassle or straight forward issue. Thanks

straight forward, thought it may take sometimes

My redund take 3 working days to reflect in my cc account, it is very straight forward.

Alright, thank you. I ended up not cancelling but booked another room, that will be a good info for future reference.

anyone have experienced requesting to have new replacement card 1-2 years before the card expiry date? i plan to move to Australia for few years and to retain 1-2 cards. since the expiry date is next year, plan to request for new card.

The bank may or may not approve of such. Check back your bank's T&C. I know Citi has a clause on it whereby if a person has moved elsewhere they are required to cancel their card under clause 46:
http://www.citibank.com.my/english/credit-...rCode=MYCCLNTNC
46. Your Departure from Malaysia
(1) If you are absent from Malaysia for more than one (1) month, you must settle the amount outstanding under your Card Account at least seven (7) days prior to your departure.

(2) If you leave Malaysia to take up residence elsewhere, you will settle the amount outstanding under your Card Account and call CitiPhone or by giving prior written notice to us for cancellation at least fourteen (14) days prior to your departure. The provision relating to termination above will subsequently apply and your Card(s) and all Supplementary Card(s) (if any) must be returned to us.

Because it is termed as Event of default under clause 24:
(1) We may suspend, withdraw or terminate the Card, Card Account and/or any of the services offered in connection with the use of the Card with prior notice, even if we may have waived our right on some previous occasion upon the occurrences of any or more of the following events (collectively, “Events of Default” and each an “Event of Default”):-
(vi) if you leave Malaysia to take up residence elsewhere;

thank you, in my case not an issue about residency.

why my cdt card application always not approved? My annual salary is >60k... i've applied for MBB cc for 6x & citibank 2x, but not approved. WHY???

This post has been edited by keretapilaju: Apr 22 2013, 01:33 PM

Pls, Obtain Your CCRISS Report (it's FREE) from Bank Negara....You will Know the Reason why the Bank have Reject Your Apps...

Normally due to your payment record in CCRIS. If u do have personal loan with deduction directly from salary, maybe your finance department always make late payment to the bank but it is normal as long it is stated in your payslip but you have to clarify it to the credit card issuer via formal letter/ emel.

Hello.,, what cc give highest cash back with bsn prudential insurance???? TQ in advance...

Hi all,

May I know if I just start my employment which is 4 months now, can I apply for a credit card?

Yes, you can as long as your income fulfills the income requirement.
Usually banks require 3 months payslip and yours is just nice for application.
Good luck.

With 6 months EPF Contributions More Secured & Guaranteed...

I wonder the income requirement is based on gross income or net income?


4 months only dude.. lolz

Gross income.
She said more secured ma, you can apply in 6 months time.

But no issue, I got my first personal credit card during my 2nd month of employment.

Most of the Bank Now refer to Your EPF 1st (min income. $2000 - Syer Pekerja=$220)

Getting a Credit Card Not an EZ Task Now if Compare to Last Times...

Thanks for your good new

I start work on Jan 2013. EPF statement only showed Feb, Mac and April. With this, do you think I can apply it?

For your all info, I want to apply OCBC Titanium credit card. My gross income is Rm3k+. But EPF statement only showed 3 months record. Do you think the bank will approve my application?

Another question, do I need to open a saving account before applying OCBC credit card?

Thanks in advance

This post has been edited by loyalkkk: Apr 28 2013, 12:42 AM