Is package together loan+ credit card but u can reject it also, not necessary to accept it...

lol... actually... i want it... thts y i ask.. cuz all my fren told me... if u have loan with them sure u will get CC even no income.. weird duh

People have housing loan so the bank give them a credit card lah..
Btw how the bank approved they loan, if they don't have any income..
maybe got FD with bank...

This post has been edited by fly126: Aug 21 2012, 12:55 AM

I was referring to the CC pre-approval (not loan approval)
This how young people get into Credit Card Debt.....

Remember that there's a RM50 Govt Service Tax.
How are you going to pay your CC bills without income ?

ya got FD o.0

---

Added on August 21, 2012, 12:47 amdun worry.... i got work but no pay slip oni haha

This post has been edited by louislw: Aug 21 2012, 12:47 AM

Oooh... that why they can give u credit card
Up to u lah... decision on you

This post has been edited by fly126: Aug 21 2012, 12:52 AM

ok thx fly126 for the info

Remember don't over use it..

Not all CC are created equal... only go for the good ones like OCBC Titanium MasterCard or Maybankard 2 AMEX

ok thx ronnie.. noted

@frankzane

What exactly happened ? Which part of the Suvarnabhumi is it not accepted ? Thai Power stores ? Airline counters ?
Or are you trying to use it to get access to the lounge ?

Please take note that without details and verification, I'll consider your post to be an irresponsible post without evidence to support your claims. Your statement will possibly have a huge impact thus I'll expect you to be upfront and responsible for your post.

This post has been edited by hye: Aug 22 2012, 01:29 AM

Hi GenX,hye,

An abundance of thanks for your wish.


My current August Platinum Maybankard 2 Amex usage has exceeded threshold of Rm1000. How I wish I can have a backup card like OCBC Titanium but since they reject me a couple of months ago, I've not been trying to apply again , should I look for any card that have same rebate or better than Titanium? Maybe Citibank Plat Cashback?

dont apply again in 6 months time as they will instantly reject any "rejected" application that re-apply in that time frame. ask your agent to do a appeal for you.

OCBC has better CB rebate but with a RM50 cap. however, as what the agent told me you cant waive the annual fee (yeah it sounds funny but thats what i have been told). Check that with your agent

promotion wise, Citi win hands down. Go to any major shopping complex (ie Mid valley) and you can see Citi promotion everywhere. same goes for merchant ezy-payment. some of the shop that i request to do 0% ezy-payment does not have OCBC in their list

---

Added on August 22, 2012, 11:21 amanother classic example of how the rich get richer, and the poor get poorer

This post has been edited by Frostlord: Aug 22 2012, 11:21 AM

OCBC Ti's annual fees can be waived with 12 swipes in a year. It is widely published on their site.

http://ocbccards.com.my/Titanium_Master_Card.aspx (Click on Card Privileges' tab)

An excerpt from the tab:
Zero Annual Fee with 12 Swipes per Annum
Sign up today and we'll waive your first year's annual fee. Subsequently, just swipe your OCBC Titanium Card at least 12 times every year, and we will automatically waive annual fees for both Principal and Supplementary Cardmembers.

If you achieve RM 10k of spending per year will get GST waived as well.

6 months is the cooling period? I saw people posted on this section got their card within 3 months after the first rejection.

This post has been edited by fruitie: Aug 22 2012, 11:47 AM

Again the wrong choice of word. Spend RM10K per year with the titanium card, OCBC will reward you with RM50 spending bonus which is to offset the GST.

GST can't be waived

Oh yea, offset.
Thanks for correcting, I couldn't recall the correct word this morning.

but its funny how HSBC CS told me my GST is waived in a recorded conversation

BTT, anyone had any experience of decreasing the CL to below the normal rate? eg: RM2k

i called HSBC to cancel my card. after some discussion, i agree i will keep the card if they decrease the CL (personal reason). they say "ok. i will submit the application for u". but next day HSBC call me and say the CL decrease is rejected. so i told them its ok, just cancel the card then

this week, another HSBC guy call me. he say can decrease the CL but because my CL requirement is below the norms (5k) need to submit special application for it . why the 1st guy didnt do this is beyond me

so what i wanna check is, is it possible to decrease CL to 2k (norm min CL is 5k)?
it feels like they are just dragging me. but then again they already "waived" (<- told by CS) my GST this year so there is no point in doing that right?

EDIT : prob solved

This post has been edited by Frostlord: Aug 23 2012, 09:47 AM

Thai Airlines.

---

Added on August 22, 2012, 11:24 pmanyone has had the same experience?

This post has been edited by frankzane: Aug 22 2012, 11:24 PM

Answer me please