Yea...heard so too but afraid of being rejected so I just stopped considering on getting a card. Now I will just wait and see what's citibank's decision on their offer for me to appeal the 3rd time.

not really, if your income qualifies for a certain loan capacity (and you are still within the range) and your payment records are good, it won't affect.
however, it will somehow affect on your next cc application (rather than on car/housing loan) bcs you showed your desperation to get cc.

okay thanks. so having too many cards will not reduce the amount of loans eligibility.

so far no problem with applying for more card 

Thanks. However i called up their Card Telemarketing and the staff told me Citibank didn't offer such service except for card replacement. Unless urgent cases (need to go oversea) can get within 1 hour but customer need to provide air ticket + itinerary as a proof.

Today I received a Caller ID Spoofing. It was a recorded message telling me that I have more than RM3K outstanding with RHB. I terminated the call immediately as I did not want to waste my time listening to it. Now, if you don't know what is Caller ID Spoofing, it's where a caller ID number that showed up on on a mobile phone having the a genuine telephone number (e.g. bank CS and even Police Station), but in actual fact, it's a fraud call.

You see, the number that showed up in my phone was 92068228 which is actually a RHB's official Customer Service contact number. I took the initiative to call RHB to report the fake call and was informed that since last Friday, many people have reported that they have been receiving similar fake calls. RHB personnel further informed me that besides them, many CIMB and AmBank customers have been experiencing the same fake calls.

This Caller ID Spoofing is now new, it has been happening for years.

So once again, I strongly suggest that all of you go read this thread - > Suspicious Telephone Calls on CC matters.

And also read my article titled Credit Card Fraud Calls.

Hi all sifus,

Anyone knows if I could invest into unit trust using credit cards? I would like to take advantage of the credit card points and also hope to meet the min required spending for free AF the following year. I know of one PRS provider which I can invest using credit card but I would not want to invest alot as they have restriction for withdrawal.

Hi Team, I need some assistance to clarify the terms that shown on online banking. If let say beginning of this month (December, 2015) I had spent RM1,000. Below is the information shown in online summary of recent transaction.

- Statement Balance = RM0.00
- Outstanding Balance = RM1,000
- Payment Due = 18th Dec 2015
- Minimum Payment = RM0.00

May I know should I required to clear the outstanding payment based on the payment due date or need to wait until next month, which is 18th Jan 2016 only clear this amount? I have yet to receive any bank statement based on current month transaction. Thank you.

No. Payment due date is on 18 Jan 2016.

The 20 days is calculate from the statement date not the due date.