I will take the offer with a pinch of salt as it is not offered to you in black and white. (official writing)
You definitely need to seek further official clarification as your situation is rather precarious.

Principal card holder are responsible for everything that the supplementary cardholder does. This statement should sum up and answers all your questions.

What Brother b00n is trying to say, the banks will ignore the Credit Report and instead use their own records to validate the application.
You may submit whatever you want but it's the banks to decide what they will use to validate your income. (How sure are you or your friend + able to validate that the bank actually uses the submitted Credit Report or they will use their own Credit Report?) And they have procedures outlining this process - look at it this way ..

Probably your friend will get his card application approved with no problems. Only way to be sure ... ask him to cancel all his card and apply for 2 cards which he has no history and see what's the outcome.

For each application, all documents submission are the same except for the following difference ...
1. Submit Credit Report
2. Don't submit credit report.

If both scenario produces a successful card application then would you say that Credit Report theory would stand true ?
Might be a lot of (noob) guys/gals reading this, so I'd like to throw caution to this unproven claim. Unless this claim can be undoubtedly substantiated by irrefutable facts and evidence, please revert to the existing documentation requirements as outlined by each banks.

Fact :
1. Credit Report are never a mandatory requirements for credit card application.
2. Banks have their own Risk Assessment procedures and guidelines when evaluating a credit card applicant.

If customer's self submitted Credit Report are a requirement and a weightage to the evaluation, would they have made the requirement mandatory instead of leaving it to the efforts of the customers to submit it ? Up to our readers to decide what to believe and what is not.

This post has been edited by hye: Oct 23 2012, 11:54 PM

Autobilling means you are allowing the merchant to charge you the moment they put up a claim/invoice/bills you and this is automatic irrespective whether you have paid separately or not + provided there is a positive amount that you owe to the merchant. The charging/claims will normally happen after the monthly billing cycle within the calendar month. Understanding this as well, (in your case) likely the autobil would not trigger next month provided the amount is negative after the new bill cycle occurs.

I don't understand as to why you paid your bills knowing the autobill has been signed up and you come here thinking you did not do anything which led you to this trouble. If you want to chase the rebate then simple - cancel your autobill and pay the bill yourself. Trying to save extra money (maximising the rebate) but end up paying so much and creating a lot of issues for yourself is not smart at all.

YES autobilling provides you with the convenience of not worrying forgetting to pay the bill. NO - this is not the mechanism to chase for a weekend rebate or any special credit card rebate which is date sensitive.

This post has been edited by hye: Oct 25 2012, 02:10 PM

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 ?

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

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

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

Citibank was right in asking you to revert to the merchant.
As what the bank sees, the transaction has already been received by the bank as it is. Any conversion (if Citibank has the facility to do it), if I'm not mistaken would be Base Price + Fees / Instalment period.

Here's the process
1. You need to run back to the merchant and ask them to revoke the transaction.
2. Recharge you again under the Flexi Payment system.

To note, you will likely face problems/heavy resistance from the merchant to execute this conversion - be prepared to be rejected by the merchant.

The moment you apply for all cards, all of your applications will appear in a central system which all banks can see. Depending on what the bank's risk policy is, you may find all of your application being rejected - especially of concern as you income is less than RM36K. Not to mention, all card approval are subjected to GST RM50 which you have to bear with no questions.

I'll be straight forward - your actions are not smart, be smarter and do your homework on which card to choose.

No and likely the answer will be the same across all banks. You have used your credit card to buy RM10k (for example) worth of stuff and you want the bank to give you a discount ? It is a rather outrageous request and likely no banks will entertain you.

You may try but be prepared for a long process and it might not be successful at the end of the day.
The T&C of your card usage clear says that you are viable for all (valid) transactions and charges associated with it. You may check it out if you have doubts.

This post has been edited by hye: Nov 20 2012, 11:02 PM

If you are using this forum to chase for CL then this the wrong place for you.
As mentioned, why you need high CL if your income is so low ? (Pardon me) You can afford to pay ? Or you want to sign up for EZ pay ?
Grow up kid ... credit card is debt and you are not helping yourself.

And newspaper not too long ago report of graduates creating cc debts so fast and so early.

You are not the first one with such questions. Everyone has an intention for such high CL - whatever it is.

CL commensurate with your income and we over here provide responsible answers. You want card with 30k-50k then submit your application to the bank with appropriate supporting documents or find a bank that accept FD pledge of RM30K-50K and you'll get such CL. (Probably)

If you want us to tell you how to get CL with 30k-50k but you only want to produce income document of RM3.5K monthly then this is not the place.

Please take note that @roger_faderar post here and open a thread to post the same question again.

Such actions are not welcomed here irrespective whatever the reasons are.

This post has been edited by hye: Nov 29 2012, 05:06 PM

I'd suggest if you are looking for protection while travelling then by all means buy a separate travel insurance for yourself.
The insurance coverage that you mentioned covers all tixs bought using the credit card. However it is not just about the value, you also need to carefully scrutinise and understand under which circumstances would you be able to claim for the insurance. Compared that to if you bought a separate travel insurance and you'll see things differently.

1. Always be aware where your card is.
2. When buying online, buy from respected sites.

An approved cc transaction/payment cannot be cancelled. Call any bank and they will tell you the same.

Get the application form.
Supplementary card application will require the principle to also sign in the application form.

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Added on December 18, 2012, 2:02 pmYou need to raise a dispute with the bank. (To all noobs : dispute Dispute refers to a process and not a verb. Don't go quarreling with the bank)
Call the bank and you'll be asked to fill in a form along to provide with whatever evidence. (Note : Doesn't mean you have a police report, you are scot free) Bank will conduct their own internal investigation and this may take up to 3-4 months. If you are found not liable for the transaction (Remember this process is not automatic nor a police report is a ticket), the bank will execute "credit" / reversal for the transaction. No such thing as canceling the transaction.

This post has been edited by hye: Dec 18 2012, 02:02 PM

If you have no intention to use the card then don't apply in the first place. Don't come here and simply confuse people with what is not true - WORST cultivating and encouraging irresponsible behaviour among the Malaysian credit card holders.

And yes, I agree with the analogy given.

No