I always go to their website to look for the T&C whenever I receive an SMS from my credit card issuer regarding the contest or promotion they are having

if i have only one month and a half working experience, but salary above RM2k, whats my succession rate of applying a new credit card? I do not have any car loan, housing loan etc. Clear records.

fly126 has answered your question earlier on the minimum requirements. If you cannot wait and think you can get a credit card approved with 1.5 months payslip and without EPF printout, go try lah apply and share with us the outcome.

U got $20-30k or not, U can put into bank as FD (Pledge - something like given your Fixed Deposit as Security) to apply new Credit Card
Last times I heard Hong Leong Bank accept this, but usually they give very LOW Credit Card Limit maybe $3000 on this (Pledge) & max. CL maybe up to the amount of your FD only depends on the bank I think...

U better work-hard on your job 1st, maybe half or 1 year later baru..lah U apply Credit Card, the bank won't simply give a credit card to the people just Start Working ! ...

This post has been edited by fly126: Jul 30 2012, 02:58 AM

hi all, i remembere there was a road show thread, where it went to? thank you.

There you go:
Credit Card Sign-up Booths, Temporary booths at shopping malls (Credit Cards)
http://forum.lowyat.net/index.php?showtopic=1916038&hl=booth

I have a Question here, if i have outstading bal. $2.24
wether the bank will charges me Late Payment Charge & Interest after the Due Date
or carry forward to next month bill... how much the interest be ??? Thanks


This post has been edited by fly126: Aug 1 2012, 03:08 AM

Yes, you will be imposed late penalty if you did not make any payments prior to the Due Date and new transactions may also be subjected to interest besides the unpaid amount. You try lah and tell us how much interest is imposed

Also note, if you failed to make minimum payment, your credit history will also be tarnished.


To All:

This month, August 2012, is the best time to go apply for the Standard Chartered Business Platinum or Gold credit card. Reason being StanChart is offering FREE money for credit cards approved in August (this is a hot topic at SCB Thread). And to top that, the SCB Business Platinum and Gold credit cards approved in July and August 2012 are eligible for 5% cash back for Petrol But, as usual, there are terms and conditions, click below link to read more.

Standard Chartered Bank Business Platinum & Gold Cash Back Credit Cards

Thanks, Gen-X

Already google and search but answer not found.

Guys, I wanna buy electrical appliances, maybe rm2000 only,by using my hongleong cc. Then I want to convert the transaction to flexi payment plan. So, after swipe my cc to pay the thing, just call hong leong cs and tell them I wanna convert to flexi payment plan right? Easily approved or not? Cause someone in this forum shared his experience, he call hong leong cs to convert his transaction and the cs told him she will give him a call in next 3days. Lastly the girl didn't call n its appear rm1500 in his next bill.. Quite risky then if not approved.

I don't think HLB offers converting retail transaction to installment plans like AmBank or Public Bank. They are concentrating on Cash On Call (Personal Loan) or Balance Transfer. However, they do have Easy Payment Plan (EPP) with selected merchant where your purchase can be converted to 0% interest installment plan at time of purchase with the merchant. Check link below for more info:

http://www.hlb.com.my/pfs/cc/ccepp.jsp?flag=ccepp

This is the link for Hong Leong flexi payment plan. But subject to their approval. If not approved, then need to pay the amount by cash in the next bill.

http://www.hlb.com.my/promo/pfs/cc_fpp/index.jsp?s=ccpromo

This one also under hong leong. Promo. But still subject to their approval.

http://www.hlb.com.my/promo/pfs/cc_payment...dex.jsp?s=promo

I wanna buy something from Machines. Hehe.
Machines is not listed in the 0% installment plan from Hongleong. A bit leceh la hongleong

Anyone using hongleong cc and tried this method, hope can inform me yeah

This post has been edited by si perfeck!: Aug 2 2012, 08:10 PM

oh, they do have plan to convert retail transaction to installment, but at 5.99% upfront, it's not really 5.99%.

What you want not available at Harvey Norman? You can get 0% installments with HLB credit cards there.

how can i use paypal without using credit card ? i dont have any credit card but i only have account bank. can somebody help me ?

Bank Transfer in Paypal check on their website

how issit ? i wanted to buy an item on ebay but i still haven't paid it yet

U need to sign up a Payment Account in Paypal 1st..

---

Added on August 3, 2012, 2:12 amu done it already, the instruction step by step are in the website..


This post has been edited by fly126: Aug 3 2012, 02:12 AM

I wan to ask for foreign bank CC (eg. Citibank & UOB), do I need to call to card centre to activate for oversea use? Cos Local bank need to do so.

The purpose of calling is not actually to 'activate', but to inform the bank that you might be using the CC overseas to avoid card being rejected and so on. No difference between local or overseas bank as Citibank and SCB often ask me when is my exact travelling date.

This post has been edited by Human Nature: Aug 5 2012, 05:23 PM

Just published my latest article The Best Credit Cards for Movies. This said post will be updated with new movie promotions when they are launched. Easier to just look at one post instead of searching here and there.