Credit Card v17, Ask general questions here

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

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TSOM	Aug 25 2012, 11:23 AM Return to original view \| Post #1
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	A few years ago salesman used to apply credit cards for customers without the need of a payslip as long as they hold other credit cards for a year or so.. Are they still doing this now?
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TSOM	Aug 25 2012, 07:19 PM Return to original view \| Post #2
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	QUOTE(Gen-X @ Aug 25 2012, 06:53 PM) RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip I tried with HSBC though, it didn't work. Added on August 25, 2012, 7:28 pm QUOTE(Gen-X @ Aug 25 2012, 06:53 PM) RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip Their passport holder very nice oh .. If you have extra and you don't want me, please donate me one.... please This post has been edited by TSOM: Aug 25 2012, 07:28 PM
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TSOM	Aug 25 2012, 07:53 PM Return to original view \| Post #3
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	by the way, do they need your payslip if you want to change your cc at the same bank?? For example, you hold 1 cc and you want to change it to another cc.
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TSOM	Aug 26 2012, 08:33 AM Return to original view \| Post #4
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	QUOTE(Human Nature @ Aug 25 2012, 11:49 AM) Not allowed under Bank Negara ruling anymore. QUOTE(JJBerry @ Aug 26 2012, 01:40 AM) Due to the latest BNM guidelines, although one are eligible for their Premier/Priority/Privilege Banking, still need to furnish income document to get a credit card. If I'm correct, all complimentry free credit card for Premium Banking customers are discontinued since the BNM guidelines. But one still need to be a Premium Banking customer + income document for certain credit cards which reserved only for Premium Banking client. when did the ruling come into effect? Kinda stupid if you ask me ... What if there's a super rich guy who doesn't want to work?? Or expats retiring in our country??
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TSOM	Aug 27 2012, 05:59 AM Return to original view \| Post #5
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	QUOTE(Gen-X @ Aug 26 2012, 11:30 AM) » Click to show Spoiler - click again to hide... « I agree to above 1st paragraph and I think the minimum annual income should be raised further to RM30Kpa since nowadays many debit cards offer benefits similar to credit cards. Also, BNM should also seriously look the maximum period for installment plans and make it not more than 12 months and ban balance transfer plans. The other thing is BNM should also apply the credit card requirements to personal loans where the maximum loan amount shall not be more than 2 months salary. Anywhere on earth if one got no income from legit source, sure very hard (not impossible) to get a Principal credit card. When I was in Australia I asked the Personal Banker if I can apply for a HSBC credit card with my Malaysia issued HSBC VS and was told NO. On the other hand, no problems in getting Australia Debit cards. Those of you who want to see my Australia Citibank, Commonwealth and HSBC Debit Cards click here. Having said above, the HSBC Personal Banker did confirm that there is an exception if one has HSBC Premier Banking Account. You see, if I have a Malaysia HSBC Premier Account, I'll automatically be eligible to open an Australia HSBC Premier Account (without depositing the minimum amount required for Premier Status) and as such I can get HSBC Australia issued World MasterCard without needing to proof any income Initially I thought of opening a Malaysia HSBC Premier Account but then decided against it as they don't offer FD Promotion to existing customers and as such I will be earning less from interest compared to FD promos in town. by the way, do you think the HSBC bank and cc are overrated? I don't find their service particularly good, and their CC rewards just so-so only ...
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TSOM	Sep 12 2012, 08:32 AM Return to original view \| Post #6
Look at all my stars!! Senior Member 2,145 posts Joined: Mar 2009 From: 1BORNEO	which card gives the highest rebates/award points for overseas expenditure?
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