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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

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fruitie
post Jul 10 2012, 12:06 AM

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QUOTE(FK003 @ Jul 9 2012, 11:58 PM)
Im new to Credit Card, Sir, may i know if i wan to apply for CC my basic salary not meet 24k per annum, but if with my allowance will easy hit 24k above. will the bank approve it?

THX notworthy.gif
*
If your allowance is fixed allowance, then it should be alright.
If it is a variable allowance (like Chipsmore, sekejap ada sekejap takde) then it might not be possible.

This post has been edited by fruitie: Jul 10 2012, 12:07 AM
shortleg88
post Jul 10 2012, 03:59 PM

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I've applied a RHB credit card at a booth 2/3 weeks ago, suppose to have verdict already. Thus far I didn't receive any parcel.

How to check what's the application status? I'm just afraid someone is using my card (if approve) for something since I don't think need call bank to activate one right for all the CC nowadays


Human Nature
post Jul 10 2012, 04:25 PM

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QUOTE(shortleg88 @ Jul 10 2012, 03:59 PM)
I've applied a RHB credit card at a booth 2/3 weeks ago, suppose to have verdict already. Thus far I didn't receive any parcel.

How to check what's the application status? I'm just afraid someone is using my card (if approve) for something since I don't think need call bank to activate one right for all the CC nowadays
*
call up the customer service and ask about the status. you can find the number from RHB website.
Gen-X
post Jul 11 2012, 08:22 AM

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The Star - AMMB wants to acquire MBF Cards for RM623mil. It is not surprising that AMMB wiling to take over MBf since they have been working together for some time now where MBf card holder can pay their bills thru AMBank.
ZiNKaK
post Jul 11 2012, 01:16 PM

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QUOTE(shortleg88 @ Jul 10 2012, 03:59 PM)
I've applied a RHB credit card at a booth 2/3 weeks ago, suppose to have verdict already. Thus far I didn't receive any parcel.

How to check what's the application status? I'm just afraid someone is using my card (if approve) for something since I don't think need call bank to activate one right for all the CC nowadays
*
You'll still need to call to activate your card..
minah_ronggeng
post Jul 11 2012, 03:16 PM

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let say:

Statement Balance : 0
Outstanding Balance : RM100 (bought something on 7th July 2012)

Statement Date : 5th July 2012
Payment Due Date : 25th July 2012

Question:
The Outstanding Balance, shud be made by 25th July to avoid any interest charge? Or interest free until 25th August 2012?
Human Nature
post Jul 11 2012, 03:19 PM

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QUOTE(minah_ronggeng @ Jul 11 2012, 03:16 PM)
let say:

Statement Balance : 0
Outstanding Balance : RM100 (bought something on 7th July 2012)

Statement Date : 5th July 2012
Payment Due Date : 25th July 2012

Question:
The Outstanding Balance, shud be made by 25th July to avoid any interest charge? Or interest free until 25th August 2012?
*
The RM100 purchase will only appear in the next statement ie 5th Aug 2012, so due date is 25th Aug 2012.
minah_ronggeng
post Jul 11 2012, 05:25 PM

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QUOTE(Human Nature @ Jul 11 2012, 03:19 PM)
The RM100 purchase will only appear in the next statement ie 5th Aug 2012, so due date is 25th Aug 2012.
*
Appreciate much!.. biggrin.gif biggrin.gif
SUSDavid83
post Jul 11 2012, 09:11 PM

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Received a call today from a CC agency and asked if I'm interested to clear my CC outstanding in more affordable method (personal loan, BT and etc).

Didn't ask much since I'm totally not interested at all! tongue.gif

The number is 016 2285563.
tryer
post Jul 11 2012, 10:02 PM

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jz found this mach credit card by Hong Leong Bank.
https://www.machbyhongleong.com/mach-credit-card
is this new credit card?
the Annual Fees is a must pay?
wanna know more about this card if u know any pls share, thx =]
Human Nature
post Jul 11 2012, 10:09 PM

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QUOTE(tryer @ Jul 11 2012, 10:02 PM)
jz found this mach credit card by Hong Leong Bank.
https://www.machbyhongleong.com/mach-credit-card
is this new credit card?
the Annual Fees is a must pay?
wanna know more about this card if u know any pls share, thx =]
*
There is a dedicated thread for this card here:
http://forum.lowyat.net/topic/2421215

Quite prompt reply from the TS.
tryer
post Jul 11 2012, 10:40 PM

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QUOTE(Human Nature @ Jul 11 2012, 10:09 PM)
There is a dedicated thread for this card here:
http://forum.lowyat.net/topic/2421215

Quite prompt reply from the TS.
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thx a lot.. Gen-X got reply there as well rclxms.gif
Gen-X
post Jul 12 2012, 10:02 AM

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QUOTE(tryer @ Jul 11 2012, 10:40 PM)
thx a lot.. Gen-X got reply there as well  rclxms.gif
*
and ronnie too pointing out the "error/typo" and even posting the cash back table with additional info rclxms.gif rclxms.gif

and for those of you guys who do not read The Star, click below link to my wordpress blog

Malaysians Are Among The 10 Ten Savers In The World and Also the Top Worst Credit Card Repayers in Asia

This post has been edited by Gen-X: Jul 12 2012, 10:03 AM
leozai
post Jul 12 2012, 10:48 AM

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hi there, wanna ask, how to make payment if my credit card been cancel by the bank? can i just use CDM key in my cc number den make payment? or need to make payment on the counter?
WhiteWing
post Jul 12 2012, 10:52 AM

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QUOTE(leozai @ Jul 12 2012, 10:48 AM)
hi there, wanna ask, how to make payment if my credit card been cancel by the bank? can i just use CDM key in my cc number den make payment? or need to make payment on the counter?
*
You can still go to CDM and key-in your card number and pay or else go to counter. When PBB and CIMB and SCB asked me prove my income and I can't prove so those 3 fella terminated my card and I still paying them laugh.gif
FK003
post Jul 12 2012, 06:51 PM

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QUOTE(fruitie @ Jul 10 2012, 12:06 AM)
If your allowance is fixed allowance, then it should be alright.
If it is a variable allowance (like Chipsmore, sekejap ada sekejap takde) then it might not be possible.
*
Thx bro for the info
fruitie
post Jul 12 2012, 07:33 PM

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QUOTE(FK003 @ Jul 12 2012, 06:51 PM)
Thx bro for the info
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You are welcome but I'm not bro.
SUSPink Spider
post Jul 16 2012, 01:32 PM

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HLB CC holders come here, post #330

http://forum.lowyat.net/index.php?act=ST&f...=1865452&st=320
flapjack
post Jul 16 2012, 01:57 PM

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1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online transactions, backup for cash,touch n go,cinema.cash rebate

4. Existing credit cards if any: No

5. Preferred Bank or Considering CC from banks: Anything

6. Others: Please be specific. Currently working in Private IT company cisco partner, lot of traveling and belanja client, hope can get benefits apart from claim the spend from my company smile.gif

7. Estimated Spending per month with the card: WHEN NEEDED. ard <1k i think.
onncai
post Jul 16 2012, 02:03 PM

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hi recently what i got reply from HLB,
seem the Annual fee of HLB Visa signature has been raise up to RM600 Per year?

What mean by Prestige Banking?


A Visa product tailored to the needs of high-end, affluent customers.
♠ Delivers maximum purchasing power, priority services e.g. travel assistance and concierge, cardholder privileges, and exclusive Web access features.

Eligibility Income Requirement:
- ♠RM 80,000.00 per annum

Age
- Principal : above 21 years old
- Supplementary : above 18 years old

Nationality
- Malaysian & PR

Application Requirements Mandatory:

♠ A photocopy of IC (Front & Back) for Principal and/or Supplementary Applicant(s)
For Normal Application

♠ Latest Salary Slip (for salaried earner);
♠ Latest Commission Slip (for commission earner);
♠ Latest 3 months Company Bank Statement (for self-employed);
♠ Latest EA Form or BE Form (together with payment receipt if any, to Lembaga Hasil Dalam Negeri)

Annual Fee FREE for Life (conditional)

♠ 1st year annual fee is automatically waived.
♠ Subsequent years, annual fee is waived for both Principal & Supplementary card(s) with minimum cumulative spend of RM30,000 p.a. on the Principal Card (Supplementary not inclusive)
♠ The cumulative spend includes both retail and cash transactions billed to the Cardholder’s account
♠ Cumulative spend transactions exclude Balance Transfer, fee charges, credit entries and chargeback.
♠ The Card must be valid and not in defaults on card renewal date when the annual fee waiver is awarded to eligible Cardholder
Prestige Banking
♠ FREE for life as long as the card holder remains a Prestige Banking customer.

Annual Fee chargeable when Spending Criteria is not met
♠ Principal : RM600.00 p.a.
♠ Supplementary : RM300.00 p.a.
*Supplementary Cardholder(s) can enjoy Annual Fee Waiver
for life without any spend condition*

♠ GST RM 50 for Principal and RM 25 for Supplementary

Features and Benefits Overview Exclusive Rewards

1. FREE for life
2. 1% Cash Rebate
3. DOUBLE bonus plus points
4. Share trading reward
5. Year End Account Summary
6. 100% Cash Advance
7. Privileges for life
8. Will-writing services

Travel & Protection
1. Travel Plus Helpdesk
2. Frequent Flyer Rewards
3. Travel Accident & Inconvenience Benefits
4. Personal Protection Plan
5. Priority Pass - Global Lounge Access *discontinued in Jan 2012*

Visa Signature Privileges
1. EON Bank Visa Signature Priority Call Center
2. Visa Signature Concierge Service

EON Bank Group Services
1. Hassle-free Payment Mode
2. One Time password for secure online payment
3, Auto Apportionment Payment Plan
4. Internet Banking

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