I read the original story and I agree. Different banks have different policies. Just because you ask for a credit increase (and you think you are a good customer), it does not mean you will get it. It does come with approval and evaluation from the bank. Please put this in your head - it is an application (which can be rejected by the bank) for a temp credit limit increase and you can't walk/call in and put in a request a expect the bank to say yes to you. If such request are allowed, many will walk in any ask (let's say 1 million) and the bank will say yes just because you request it?

I blame Citibank advertisement for advocating the idea that temp increase is easy and readily accessible. Note that no such adverts are in circulation for a long time.
My own experience that Citibank (Yes ... they do not 100% approve your application), UOB, Maybank are not easy on their customer on such increases.

One more thing, you have cash you buy things. Treat credit card like cash. Building debt via EZ payment is not the way to go - it indicatively means you don't have cash in the first place.
Note to everyone : I don't allow special opening of thread just to rant on bank because existing threads can cover all aspects. I don't see any basis to the complaint after reading the original complaints and I'll stop at that. Vulgarities were used indicating how "mature" the situation is - how do you expect people to respect you if you don't ? What if the teller were to use the same vulgarities to you ?
Original post

Hi everyone,

This is truly disappointing. I called up Maybankard Platinum call center 2 times, asked for increase of temp limit. I need that very urgently, as to clear my current credit I need to interbank from other banks. Night already, even interbank takes 1 day man.

They said cannot means cannot. They said increase temp limit was due to emergency which falls to 2 categories:-
- overseas
- hospitalisation

anything beyond that, not emergency.

Why I want an increase? Coz before this I go for 0% installment for a Dell Laptop, and seriously I didn't know it would affect my credit limit (crap!). 1st time no tell me (took my own cash to clear, which I thought sufficient to use again), 2nd time only tell me. If I can use my own money, I better don't use credit card. For what!

But you know, few months back RHB Bank which I was using a classic card (worst than platinum or gold)..understand my situation and gave me 50% increase. But Maybankard 1% also cannot.

The call center told me it's bank negara policy. Then I said RHB can why Maybank cannot. Then he/she said it's not under emergency and maybank is different than rhb bank.

Then the call center lady kept saying "I don't understand" ... what da?

Huh? Went through 2 supervisors, cannot means cannot.

Original storyline:-

last sunday: call center rejected me
last sunday: talked to supervisor and rejected me. Day report, can't ask for temp limit. But I asked for 3 days approval temp limit. No mention about my credit limit due to 0% installment.
last monday: transfered X amount to maybankard
last tuesday: i cleared X amount from own pocket, thought i should have sufficent credit balance to use.
last tuesday: night, i try to use my credit due to urgent matter. Still cannot, call the bank. She told me cannot and many "I don't understand".
last tuesday: i said fine, how about the 3 days approval thing which I requested on Sunday? Then she said record wise, not showing any request from my side. (Censored by admin)!
and the rest all ding dong with me...