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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq

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SUSenticing188
post Oct 27 2015, 12:05 AM

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QUOTE(Alec.Yong @ Oct 26 2015, 10:08 PM)
I have a missed call, phone number is +8610xxxxxxxx, I guess it's from icbc cs..wink.gif
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we can apply for this card ? i frequent travel to china.. guess its useful as well..

but it mentioned documents required - chinese citizen id.. i am malaysian... hmm...?
SUSenticing188
post Oct 27 2015, 08:17 AM

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QUOTE(fruitie @ Oct 27 2015, 12:24 AM)
Why not?

I have ICBC Debit Card issued by Malaysia and the Union Pay credit card is for Malaysians as well.

We are Malaysian obviously.

The first line says it all: "√ A copy of NRIC (both sides) or Passport for Principal and Supplementary card applicant (if any) "

http://v.icbc.com.cn/userfiles/Resources/I...cation_form.pdf
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so sorry haha.. i overlook "NRIC" .. how long the application process took? CL generous / high compare other banks?
SUSenticing188
post Oct 27 2015, 08:19 AM

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QUOTE(Alec.Yong @ Oct 27 2015, 08:15 AM)
So when are you going to apply it?wink.gif
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now? application must submit through branch? or can via email?
SUSenticing188
post Oct 27 2015, 08:25 AM

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QUOTE(Alec.Yong @ Oct 27 2015, 08:24 AM)
Either thru branches or send by post, after you download and fill in all information..
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may i ask how to send? or have to call telemarketing department? cause i wish to send all my documents through email ...
SUSenticing188
post Oct 27 2015, 08:29 AM

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QUOTE(Alec.Yong @ Oct 27 2015, 08:27 AM)
Email? Never tried before..
Me just downloaded the form and submit together will all related docs via pos laju..
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okay thanks.. will call their call centre and ask them guide whether can send via email or not..

wa... send via poslaju? they dun have fax or something?

how long the application took you? i see they only need simple income documents
SUSenticing188
post Oct 28 2015, 11:38 AM

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QUOTE(fruitie @ Oct 28 2015, 11:36 AM)
Up to the banks' discretion.
Highest I got was 4.5x of my monthly basic salary.
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which bank?

mine highest 3.5x from citibank .. i mean they took gross salary
SUSenticing188
post Oct 28 2015, 11:40 AM

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QUOTE(spreeeee @ Oct 28 2015, 11:40 AM)
my friend got a new credit card from mbb, his gross salary is 10000, and the credit limit is 82K.
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walao.. 8.2x ?? new application or use for long time ?
SUSenticing188
post Oct 28 2015, 11:41 AM

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QUOTE(fruitie @ Oct 28 2015, 11:39 AM)
RHB, CIMB.
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yeah this rhb dunno why... my card not more than 1 year.. request increase CL but got rejected cry.gif

apply their islamic cc.. approved and gave cl 3x..

This post has been edited by enticing188: Oct 28 2015, 11:41 AM
SUSenticing188
post Oct 28 2015, 04:52 PM

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usually if we tick "overlimit" usage for credit card in application.. how much actually overlimit when we swipe for our credit card could be? not more than 100? or could be more than 1000?
SUSenticing188
post Nov 11 2015, 09:09 PM

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QUOTE(HL_O @ Nov 11 2015, 04:01 PM)
Just out of curiosity, can i apply multiple cards from the same bank at the same time (one gold and one platinum)?

I'm actually more interested in the platinum benefits, but my annual salary does not fulfill the requirement yet (still short of 20k). Usually how much is needed to pledge fd in my case?
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yes u can subject to approval

if u apply platinum also can.. if they approve they will offer u lower card lo..
SUSenticing188
post Nov 30 2015, 10:01 AM

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QUOTE(gotham11 @ Nov 29 2015, 07:09 PM)
Hi all, i lost my hsbc visa signature card and next day i got sms informing 2 transactions that i didn't know. Immediately i called hsbc to stop card, but all together 4 transactions worth rm4200 had been went thru. After hsbc investigate for 3 wks, i was refund all rm4200 but rm250 was deducted as hsbc claimed that it was in their clause that rm250 is my maximum exposure hence that deduction. Anyone had thiS experience? Can i dispute the rm250?
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rm250 is set by bank negara rules.. can't dispute.. thats the max bank can charge u

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