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

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ronnie
post Aug 14 2012, 05:49 PM

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QUOTE(dig_dug @ Aug 14 2012, 05:21 PM)
at first I am worry but after that he sent me a mail using his ocbc email address only I dare to proceed to sent my details to tat guy.
I didnt request him to pm me, He c i drop some comments asking for the ocbc CC I think....
a bit worry
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What's the username.... ?
dig_dug
post Aug 14 2012, 05:56 PM

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QUOTE(ronnie @ Aug 14 2012, 05:49 PM)
What's the username.... ?
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why u wan ban ah?
Gen-X
post Aug 14 2012, 06:16 PM

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QUOTE(Frostlord @ Aug 14 2012, 04:59 PM)
hi bro gen-x

can help me with my question above?  tongue.gif

thanks  thumbup.gif
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Bro, you quoted wrong post lah, hahaha, go see. I guess what you meant was below:

QUOTE(Frostlord @ Aug 14 2012, 04:56 PM)
hi all

i want to reduce my card limit for HSBC (normal HSBC and Amanah also can) but i was informed that normal HSBC min credit limit is 7k? shocking.gif

im planning to use this card for online purchases and i dont want to have such high limit. is there anyway for me to reduce the CL to rm1k?

or is there any card that can provide RM1k CL?

thanks in advance
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Are you sure HSBC Amanah Minimum CL is RM7K. I mentioned in my article Malaysia Premier Credit Cards that HSBC Visa Signature minimum CL is RM5K! That was what I was told by HSBC CS. So, call HSBC CS and ask them to reduce the CL - I would think the minimum CS for non HSBC credit card should from RM3K or maybe RM4K.

QUOTE(dig_dug @ Aug 14 2012, 05:56 PM)
why u wan ban ah?
*
wah, since when ronnie can ban people here tongue.gif
Human Nature
post Aug 14 2012, 07:33 PM

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QUOTE(dig_dug @ Aug 14 2012, 05:21 PM)
at first I am worry but after that he sent me a mail using his ocbc email address only I dare to proceed to sent my details to tat guy.
I didnt request him to pm me, He c i drop some comments asking for the ocbc CC I think....
a bit worry
*
What you can do now is to contact OCBC call centre and ask if there is any record of your application. Then maybe verify whether that guy is working for bank or just an agent.
dig_dug
post Aug 14 2012, 08:13 PM

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QUOTE(Human Nature @ Aug 14 2012, 07:33 PM)
What you can do now is to contact OCBC call centre and ask if there is any record of your application. Then maybe verify whether that guy is working for bank or just an agent.
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thanks for the advise will call and ask about it
ronnie
post Aug 14 2012, 11:44 PM

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QUOTE(dig_dug @ Aug 14 2012, 05:56 PM)
why u wan ban ah?
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KPC... tak bole ?
So that other forummers ARE made AWARE of such tactics to get info.
dig_dug
post Aug 14 2012, 11:50 PM

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tat guy jus replied me saying need 1 week to process so I will jus wait I think
zulhisyamr
post Aug 15 2012, 03:17 AM

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Im self employed
Epf contributor
Got car loans( payment quite okay)
Statement bank maintain 8k to 20k per month

When i apply citibank cc..they do not approve it

I dont know what is the problem
fireballs
post Aug 15 2012, 03:24 AM

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QUOTE(zulhisyamr @ Aug 15 2012, 03:17 AM)
Im self employed
Epf contributor
Got car loans( payment quite okay)
Statement bank maintain 8k to 20k per month

When i apply citibank cc..they do not approve it

I dont know what is the problem
*
try get local bank one first esp those desperate ones, then use that to apply for citi


Added on August 15, 2012, 3:24 ammy record superclean got platinum cards but my ocbc titanium kena reject 3 times

This post has been edited by fireballs: Aug 15 2012, 03:24 AM
hye
post Aug 15 2012, 06:07 AM

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QUOTE(dig_dug @ Aug 14 2012, 11:50 PM)
tat guy jus replied me saying need 1  week to process so I will jus wait I think
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ronnie meant well when he asked.
You should reveal the guy here for the benefit and safety of the members in the forum. Too many rouge agents these days roaming around because the cc market isn't what it used to be anymore.

dig_dug
post Aug 15 2012, 10:00 AM

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QUOTE(hye @ Aug 15 2012, 06:07 AM)
ronnie meant well when he asked.
You should reveal the guy here for the benefit and safety of the members in the forum. Too many rouge agents these days roaming around because the cc market isn't what it used to be anymore.
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I should pm ronnie I think not gd to reveal here is it?
ronnie
post Aug 15 2012, 10:47 AM

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QUOTE(dig_dug @ Aug 15 2012, 10:00 AM)
I should pm ronnie I think not gd to reveal here is it?
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What's so secret about revealing username ... this user may potentially "harm" others
hye
post Aug 15 2012, 12:26 PM

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@smsbusiness2u

Please take your personal dispute offline (if there's any). My decision is asking dig_dug to reveal who the guy is got nothing to do with ronnie asking.

The intention is to alert everyone who reads this forum of the potential "risks". In the first place, everyone should be aware of the inherent risks of doing so and not panic/come to this forum when there's potential trouble. If you ask me anyone trusting someone online so easily (just because of perceived convenience) is not so smart as well.
Gen-X
post Aug 15 2012, 01:20 PM

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QUOTE(hye @ Aug 15 2012, 12:26 PM)
The intention is to alert everyone who reads this forum of the potential "risks". In the first place, everyone should be aware of the inherent risks of doing so and not panic/come to this forum when there's potential trouble. If you ask me anyone trusting someone online so easily (just because of perceived convenience) is not so smart as well.
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Yah, agree with above. Trusting a guy because he/she sent a PM then giving out personal info to a stranger is no different compared to those who got conned over the phone - Fraud Calls Relating to Credit Cards.

Bro, can I start a thread on credit card agents and anyone else too who sent unsolicited PM relating to credit cards? hahaha

This post has been edited by Gen-X: Aug 15 2012, 01:26 PM
cute_boboi
post Aug 15 2012, 02:39 PM

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QUOTE(Gen-X @ Aug 15 2012, 01:20 PM)
Bro, can I start a thread on credit card agents and anyone else too who sent unsolicited PM relating to credit cards? hahaha
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I concur. Similiar like housing mortgage loan thread here, where agents can post their notices there, and anyone can apply, request or report there, if they prefer to trust someone online (or not).

Mod can help track dupes and post it up also.

hye
post Aug 15 2012, 02:47 PM

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QUOTE(Gen-X @ Aug 15 2012, 01:20 PM)
Bro, can I start a thread on credit card agents and anyone else too who sent unsolicited PM relating to credit cards? hahaha
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Yeah ... I don't know what gotten in their minds of a lot of people nowadays regarding applying card via these "online" agents. I'm not old fashioned or what (on such practice) but it's all about common sense on personal information security. I have see a lot of request from readers who post and ask for agents to contact them online and I don't tolerate such. I personally see it as an excuse of laziness wanting these agents to come to their feet and serve them on the pretext of convenience. (I think the LYN main mods are also upset with me on my trigger happy attitude for these posts as well ... hahaha) I'm not against it but I value personal information security even more - especially with what are the crimes around us these days. Such were less/unheard of a few years ago.

Let's hang on to that thought for a while. If the trend persist then by all means go ahead and hopefully it'll deter scammers from taking advantage of this forum to con people.

On one hand there's no way to authenticate claims and this can potentially be a very trashy thread as people can come in and say anything they like without any solid proof of their claims. And the other ... our social obligations to educate our readers.
Gen-X
post Aug 15 2012, 03:37 PM

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QUOTE(cute_boboi @ Aug 15 2012, 02:39 PM)
I concur. Similiar like housing mortgage loan thread here, where agents can post their notices there, and anyone can apply, request or report there, if they prefer to trust someone online (or not).
*
Bro, thank you for the support.

However, if ever my thread is approved later by hye, agents cannot advertise, they can go to Notice Board. The purpose of my intended thread is to highlight spammers/potential scammers/Forum Rule breakers in Credit Card Section but not to the extend we want them to be banned or warned like here where Admin/Staff will take actions.

Forum Rules and Regulations
Do not abuse the PM system. Do not send unsolicited messages, however well intentioned. A single PM is sufficient to constitute spam.

I will then compile the reports and summarize it in Post#1 for easy reference like my Suspicious Telephone Thread smile.gif

QUOTE(hye @ Aug 15 2012, 02:47 PM)
I have see a lot of request from readers who post and ask for agents to contact them online and I don't tolerate such. I personally see it as an excuse of laziness wanting these agents to come to their feet and serve them on the pretext of convenience. (I think the LYN main mods are also upset with me on my trigger happy attitude for these posts as well ... hahaha) I'm not against it but I value personal information security even more - especially with what are the crimes around us these days. Such were less/unheard of a few years ago.

Let's hang on to that thought for a while. If the trend persist then by all means go ahead and hopefully it'll deter scammers from taking advantage of this forum to con people.

On one hand there's no way to authenticate claims and this can potentially be a very trashy thread as people can come in and say anything they like without any solid proof of their claims.  And the other ... our social obligations to educate our readers.
*
I think you are doing the right thing by not allowing members to request agents to contact them here; and, it also prevent others from doing the same. But more importantly, your this said action is done for the benefit of the member (so that they are not taken advantage off in this CC Section) and I don't see why would anyone object to it.

Members and agents can go to the Notice Board Section if they want to be contacted.

If a member wants to report, they need to post screenshot as evidence. And yah, KIV that "future" thread, already too many thread to update anyway, haha.

This post has been edited by Gen-X: Aug 15 2012, 03:38 PM
zulhisyamr
post Aug 15 2012, 05:42 PM

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QUOTE(fireballs @ Aug 15 2012, 03:24 AM)
try get local bank one first esp those desperate ones, then use that to apply for citi


Added on August 15, 2012, 3:24 ammy record superclean got platinum cards but my ocbc titanium kena reject 3 times
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Tq!
dig_dug
post Aug 16 2012, 08:40 AM

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QUOTE(ronnie @ Aug 15 2012, 10:47 AM)
What's so secret about revealing username ... this user may potentially "harm" others
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his username is kingt
btw the bank already call me n ask hope i didnt kena scam
Frostlord
post Aug 16 2012, 12:41 PM

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QUOTE(Gen-X @ Aug 14 2012, 06:16 PM)
Bro, you quoted wrong post lah, hahaha, go see. I guess what you meant was below:
Are you sure HSBC Amanah Minimum CL is RM7K. I mentioned in my article Malaysia Premier Credit Cards that HSBC Visa Signature minimum CL is RM5K! That was what I was told by HSBC CS. So, call HSBC CS and ask them to reduce the CL - I would think the minimum CS for non HSBC credit card should from RM3K or maybe RM4K.
wah, since when ronnie can ban people here  tongue.gif
*
no idea. i oso blur blur. i call HSBC CS, they say HSBC (normal) min CL is 7k. HSBC Amanah is 2k. then they transfer me to HSBC Amanah, they told me both CL also can get 2k sweat.gif

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