Hi ! I'm NEW here... Can somebody help me on this matters???
I have 4 credit cards (all Since April 2011) :
i) HSBC Amanah VI PLATINUM with CL 13K (just upgraded it on April 2012, after consolited all the CL from my previous GOLD card : 5K+8K =13K)
ii) CITIBANK Clear with CL 4K
iii) RHB TRAVEL MONEY & TESCO card share CL 4K
iv) HLB-GSC with CL 3.5K
NEED ADVICES TO CANCEL ONE OF THE CARD BUT WHICH ONE...

MY BASIC SALARY : (2500+ PETROL ALLOWANCES+ COMISSION+ O.T) X 12 = 40,000 pa
But my EPF deduction base on Basic only & I don't HAVE INCOME TAX (EA FORM)
I have checked with HSBC, they have update my income to 40,000 pa in their data-base

Just be rejected by OCBC TITIANUM CARD the card's benefits was better than CITI CASH BACK...
I'm TRY to apply CITIBANK CASH BACK PLATINUM got any chances to get it ?
It need 40K p.a to apply the card but after or before EPF DEDUCTION ?
CAN SOMEBODY TELL ME !!!

This post has been edited by fly126: Jun 19 2012, 11:12 AM

MAYBE, YES and NO....
For MY CASE, I apply GOLD CARD (April 2011) at HSBC Am,
I get my 1st credit card from them with CL 5K...
Later I transfer my FD 20K from other bank to HSBC,
Believe or not I been upgrated to Platinum Card Holder with CL 13K (April 2012)

[quote=raptar_eric,Jun 21 2012, 12:41 PM]So what are the criterias that must be met when you apply the gold card? Anyway, got some info from milesnmore regarding FD being tied down to the bank even if it's possible to apply... so is yours being tied to the bank, since you dont have any payslip?



This post has been edited by fly126: Jun 21 2012, 04:48 PM

I just give them 3 months Pay Slip/ bank Statements/ EPF, Like Normal CREDIT Card Application Procedue..
I got my card, just put money in NO COMMITMENT WITH BANK (U PUT MONEY IN, I GIVE U A CARD) or other way round...

ON MY OTHER CASE,
I'm been CIMB (formally know as BUMIPUTRA COMMERCE BANK) since 1994, a Saving Acc. Later an Invesment Acc.
I got DOZEN REJECTION( Card Application) from them with NO SCOSO ... 1001"S Reason they give me....
LATER ON, I put 25K in their INVESMENT Acc. in 3 YEARS, at the END they give/refund $25,005 back !
JUST $5/ (INTEREST) not even enough for FULL TANK PETROL- My Motorbike !

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Added on June 21, 2012, 4:51 pm HSBC Amanah card

This post has been edited by fly126: Jun 21 2012, 04:51 PM

Effective 1 July 2012, enjoy auto Annual Fee Waiver for your RHB Credit Card...

Terms & Conditions:

1) Infinite Card: min accumulative spend of RM100K per Annum (combined spend between Prinp. & Supp. card)

2) Platinum Card: min accumulative spend of RM36K per Annum (combined spend between Prinp. & Supp. card)

3) All Other Card: min 12 Swipes per Annum for Prinp. card & min 6 Swipes per Annum for Supp. card

What Do U Think of This

This post has been edited by fly126: Jul 25 2012, 02:27 AM

U need to spend 36k per year with the Platinum card to get auto Annual Fee Waiver, same as UOB ONE Card
better stick on the Classic Card without Annual Fee

This post has been edited by fly126: Jul 25 2012, 02:30 AM

Hi, I got NEWS on RHB of Purchase Samsung Galaxy S III with 0% Interest just for your Reference
(sorrylah... I don't have any information on i-Phone with HSBC/ Public Bank)

I wish to purchase Samsung Galaxy III 16GB via :
RHB Smart Instalment @ RM183.25 x 12 months= RM2199+ Courier Delivery: WM $65/ EM $85
(Promotion valid till 30 September 2012, U also get 3x Reward Points when Sign-up this Plan)

U can email to enquiries@jcmsprorewards.com, if u interested on this
I think this one similiar with other Instalment Plan

This post has been edited by fly126: Jul 27 2012, 02:42 AM

I also did not submit Income Tax I apply my cc through Bank (Walk-in) in 2011 (1st time apply)
I just give them:
i) 3 Months Pay Slips
ii) Latest EPF statement print from EPF koisk
iii) 3 Months Bank Statement which your Salary credited to that Account

I think now very hard to get cc, very Strict many terms & regulations from BANK NEGARA

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Added on July 27, 2012, 12:08 amRHB Dial -An Instalment Plan: (Latest just get it from Bank Statement)
Promotion valid till 30 September 2012

a) 6 months 0% rate of min purchase amount $1000 (Not for RHB Business Card)
b) 9 months 0%rate of min purchase amount $ 1000 (applicable to Education & Medical bills only not for RHB Business Card)
c) 6 months 3%rate of min purchase amount $500
d)12 months 6%rate of min purchase amount $1000
e)24 months 12% rate of min purchase amount $2000

This post has been edited by fly126: Jul 27 2012, 01:25 AM

Wah cepat betul u get this information/details, Sifu You are Best of the Best

Make sure your monthly Basic Salary must $2000/$24,000 per year Your contribution on EPF min. $220 ,
without $2000 Basic Salary, NO Credit Card
Try to get Local Bank cc 1st (HLB, RHB) later HSBC, Citibank.... susah to get Public Bank cc not much benefit, people seldom use it

This post has been edited by fly126: Jul 27 2012, 02:54 AM

Is it RHB & Citibank Interest Rate lower than HSBC ???

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

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

Thanks, Gen-X

Bank Transfer in Paypal check on their website

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

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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

If I want to apply credit card I PREFER walking in to the bank than apply through their website online...
sekarang macam-macam ada
I don't trust online thing...

This post has been edited by fly126: Aug 14 2012, 05:06 PM

By the way whether now the Bank still call u to verify on Credit Card Application... ???
Thanks !

This post has been edited by fly126: Aug 14 2012, 05:15 PM

The Credit Card Sales exec. said HSBC Amanah min 4 k & Amanah Platinum min.7k
NO Standard Answer on it...

Sure, they can give you a credit card (except you are under 21 years old)
most bank will offer credit card to person having car loan, housing loan ect... with them
Does you mom also got this offer from bank...???

This post has been edited by fly126: Aug 21 2012, 12:24 AM