OK! I currently hold
Citibank - Clear and Shell Gold
& Ambank RealRewards.

What I want to do is to get rid of my Shell Gold and RealRewards card and replace with the following which I have applied
Citibank - Cash Back Platinum Card
OCBC - Titanium
UOB - Platinum One Card.

I have applied last week for the Citibank and OCBC cards. What is the probability of me securing approval on these cards? And if I add on UOB Platinum, will it still be OK?

A little background : Last month I took out a PL to settle all my outstandings which has been done. So it's close to minimum except for the Ambank card whic has about RM2K... Don't want to fall into the trap of outstanding balances hence want cards which I can recognize instant cashbacks and pay with cash as I go along.

This post has been edited by androool: Aug 13 2012, 08:27 AM

Hi! Some retailers mostly the small shops that accepts credit card impose a fee if we pay by credit card instead of cash. I am wondering, is this legal? Is this within their right to do? I heard in Singapore, merchants that does this can be reported to MC or VISA as these charges are to be born by the merchant and not the consumer. What is your say?

So how do we report these stores?

For how long will it be in CCRIS system that you applied for new credit? Does it tell what credit being applied for in CCRIS?