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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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fly126
post Oct 20 2013, 09:13 PM

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QUOTE(fruitie @ Oct 20 2013, 02:47 AM)
Guys, I'm holding Citibank Corporate Credit Card that supplied by the company for my business expenses but my question is on the credit limit part. Assuming if I want to apply for a Citibank personal credit card in the future, will my credit limit be shared or it will not? I assume no? unsure.gif

This corporate credit card is applied under my name and the liability is on my own though if I don't pay the bill, it actually goes back to the company... sweat.gif

Another scenario if there is any promotion for new Citibank cardholders in the future, will I be eligible since I'm already holding their corporate credit card? unsure.gif

I can actually enquire Citibank about this but if anybody from here knows the answers then that will be very much appreciated. notworthy.gif
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Is it Yours One, Citi Business Signature Card...??? hmm.gif
Nope... there will be Separate CL between Your Corporate CC & Your Personal One No Combine CL

http://www.citibank.com.my/english/docs/pd...l-liability.pdf
fly126
post Oct 20 2013, 09:47 PM

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QUOTE(fruitie @ Oct 20 2013, 09:27 PM)
hmm.gif This is how it looks like, just a normal card. Actually none of us likes this card but what to do Citibank won the deal to be our corporate credit card. We used to have AmEx actually...

user posted image

I guess, it should be a standalone card and has no effect on my future Citibank personal CC applications.
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the Card look So Plain Without Any Design... blink.gif
fly126
post Oct 20 2013, 10:29 PM

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QUOTE(fruitie @ Oct 20 2013, 09:52 PM)
It is and the gold colour irks me. tongue.gif laugh.gif
Though it has the highest CL among all my credit cards. laugh.gif
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That's Good... drool.gif thumbup.gif
fly126
post Oct 25 2013, 10:38 PM

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QUOTE(lamode @ Oct 25 2013, 09:19 PM)
Will i get back the same CL as the one i cancelled 2 mths ago, if I reapply card from the PBB with increase in income?
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It Should be 3- 6 Months Cooling Period Needed before You Apply with the Same Bank Again... blink.gif
Just Curious Why want to apply Again... hmm.gif You Just Potong the CC
You should Try to get Others Bank Credit Card with Different Benefits brows.gif
fly126
post Nov 7 2013, 07:50 PM

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QUOTE(moshimaruu @ Nov 7 2013, 02:41 PM)
QUOTE(victorywp)


I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise...
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As far as I understand in CCRIS record, any number 3 will have 0% chances while any number 2 is 20% and any number 1 will have 50% chances in you application approval.

fly126
post Nov 8 2013, 10:58 AM

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QUOTE(moshimaruu @ Nov 8 2013, 08:56 AM)
How to check i at which NumbeR?
Mostly every month i late payment..sometimes 2 month later only make 1 payment. I know myself got CCRIS already, just wanted to know can apply anot..
CTOS i thought is for telecommunication... Annual income meet requirement, but problem is CCRIS. Which bank normally not so strict? Actually planning in apply CITIBANK clear cc. Just normal..
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the No. 1, 2,3... is Outstanding Status - Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment....
As for 0 mean You Never Miss any Payment (at Least Min Payment) ... nod.gif

Anyway, U can get Your Own CCRIS with FOC from Bank Negara at Working Days

For more About CCRIS pls Refer to CCRIS, CTOS Thread, Here https://forum.lowyat.net/topic/741069 Post #14 nod.gif

fly126
post Nov 11 2013, 02:05 PM

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QUOTE(aredill @ Nov 11 2013, 01:07 PM)
Recently apply MBB CC, the dual cards on 31st Oct. Wonder usually how long MBB takes to process my CC.
Using it to refuel & online purchase such ebay,rs,agoda.

Previously application at BnkRkyat rejected...no reason, juz receive sms notification  ohmy.gif
Previously also application at UOB left unfinished because the staff really lousy, delay me too much  yawn.gif

DId those previous application affect my application?
Did they observe credit strength...since i did have my name on two cars & asb? i only pay parts of it/half.

rclxub.gif  rclxub.gif    icon_question.gif  icon_question.gif
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It will Need 5-15 Working Days to Know the Status of the Application
Yes it will Effect Your Application As They Reject You due to Your High Commitment, Car Loan...
fly126
post Nov 11 2013, 02:17 PM

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QUOTE(aredill @ Nov 11 2013, 02:11 PM)
LoL...
How bout if my record is clean...had strength of repayment.
Loan commitment only 1.2k of 2.7k gross salary...izzit consider high.
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Almost Half of Your Monthly Pay... shakehead.gif
fly126
post Nov 11 2013, 07:34 PM

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QUOTE(Human Nature @ Nov 11 2013, 06:12 PM)
If I have an autobilling with Astro, will I still receive the monthly bill?

And I terminate my card, do I need to notify Astro, or I can just pay according to the monthly bill using another card?
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Better give Astro a Call...
fly126
post Nov 11 2013, 10:20 PM

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QUOTE(aredill @ Nov 11 2013, 02:26 PM)
Payslip shows higher due to ot...seem as nearly as fixed allowance  brows.gif
Hoho....so, no bright hope la  ohmy.gif
Will call em next wik....cuz i'm eagerly waitin mah.

Waitin lil sis finish study to change name on car. Half of it amma/appa pays, half me  whistling.gif
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Not Really Help, Although You Chance Name to Your Sister but Car Loan still Under Your Name is You that apply Loan...isn't It blink.gif
fly126
post Nov 15 2013, 12:38 AM

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QUOTE(ad c2 @ Nov 14 2013, 09:13 PM)
I had apply MMB 2 card 3 weeks ago but no answer.
I call cs and they said, they received my application but Pending due to not enough document and they can't check what doc is missing.
Cs ask me to refer back to MMB branch which I make the application.
Keep calling the cc personal but can't get to (always busy) vmad.gif
I was thinking to make another application from other branch, is it OK?
Do anyone have better idea?
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Yes can have another Apps with Other Branch, But before that Go to the Branch that You Submit the to Enquiry See the Out Come 1st...

Btw, How About Apply thru Emailed or Fax Your Application Directly to MBB Card Centre...
Application Form Link,
http://www.maybank2u.com.my/WebBank/ConvCa...Form_260613.pdf
The Fax no. & E-mail are at the Bottom of the Final Page... smile.gif

Pls, Do Update with Us Later... wink.gif

This post has been edited by fly126: Nov 15 2013, 12:45 AM
fly126
post Nov 18 2013, 10:46 PM

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QUOTE(edwardccg @ Nov 18 2013, 07:58 PM)
my income is less than 36k, only can hold 2 card.

i have CC-A and CC-B now. applied 3rd CC, CC-C, and have been rejected.

can i cancel CC-B now and call CC-C for appeal? would CC-C be revise and approve for me?

or i need to wait for some period for CC-C know i had cancelled a card?
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I X think so... hmm.gif
Although U Canceled Card B now... It Won't Help with Appealing Card C coz Bank B Need Time (1-3 Months) to Update Your CC Cancellation Status to CCRIS... Furthermore, Usually 6 Months Cooling Period will Needed Before You can Apply again with the Same Bank... nod.gif

Some of the Bank, Even Need 1 Year Cooling Period.... Before You can send Your Application with Them Again

This post has been edited by fly126: Nov 18 2013, 10:48 PM
fly126
post Dec 8 2013, 09:13 PM

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QUOTE(Duckies @ Dec 8 2013, 06:42 PM)
Hi guys, how long does it take for the credit card transactions to be updated to the online banking website? I did my transaction on Friday night on petrol (somehow the machine didnt give me resit) and I did another transaction on Saturday morning (I have the resit). However, for both transactions there isnt any SMS as usual.

Oh, mine is Public Bank Gold Card.
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1-2 Working Days...
fly126
post Dec 10 2013, 08:51 PM

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QUOTE(Soony @ Dec 10 2013, 03:11 PM)
Hey guys,

I have a question. So currently if I work overseas earning $2k aus and I plan to apply for a Malaysian credit card. Do the bank consider my income as $2k monthly or converted which is $6k monthly?

Some guide would be appreciated. Thanks.
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I think You X get Malaysian CC Most of the Bank will Reject Your Apps due to the Reason of Your Stability, Reputation & Duration of Your Employment / Business without Malaysian Income Proof coz Working in Overseas... & Most of them Only Accept Singapore or Brunei Income Proof Documentation

But Anyway, U can Try FD Pledging to get Malaysian Credit Card... blink.gif

This post has been edited by fly126: Dec 10 2013, 08:52 PM
fly126
post Dec 16 2013, 01:24 AM

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QUOTE(zulhisyamr @ Dec 15 2013, 11:29 PM)
Hi guys...is it compulsory to provide income tax form in applying credit card? I run my own business almost 3 years..but I do not register with lhdn yet...
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As For Self-Employed It should Have... nod.gif
Latest Borang B acknowledged/duly Certified by LHDN, with LHDN Receipt (or Proof of Tax Paid) as Supporting Document for Credit Card Application
fly126
post Dec 18 2013, 10:42 PM

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QUOTE(tornado dot com @ Dec 18 2013, 08:54 PM)
New to cc. That day jz signed up for Ocbc cc at big bad wolf. Now after do more research, realised got better cc out there. My do i cancel the registration? Or will the bank call again to verify my application?
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Call Them 1st before They Call You... cool2.gif
(Call the Customer Service to Check on the Status 1st & Inform them to Cancel Your Application)


fly126
post Jan 6 2014, 10:20 PM

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QUOTE(Bleauet @ Jan 6 2014, 10:08 PM)
lets say, the item cant do installment, give example with your credit card, what is the total cost of the item including monthly interest?  hmm.gif rm2000, pay rm500 monthly
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You can have a Try at Here: http://www.citibank.com.my/english/docs/us...-calculator.htm
Most of the NEW Credit Card will Charging Interest Rate at 18% p.a

This post has been edited by fly126: Jan 6 2014, 10:21 PM
fly126
post Jan 10 2014, 10:20 PM

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QUOTE(woopypooky @ Jan 10 2014, 09:49 PM)
I tried that same bank my salary goes into.

I never applied any loans before, except PTPTN, lol
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How About UOB...???
I think their CC are Paling EZ to Get... rolleyes.gif
Actually, What's Your Occupation & How Long You been Working...??? hmm.gif
fly126
post Feb 8 2014, 11:53 PM

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QUOTE(shauyan @ Feb 7 2014, 09:34 PM)
Noobs question: anyone know how to purchase ticket through online using GSC card? Logged in to GSC website but cant link the credit. If i perform the transaction using GSC credit card, will it automatically deduct the RM100 cash bonus?
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GSC-Hong Leong Gold & Platinum Credit Card FAQ http://www.hlb.com.my/pfs/cc/ccgsc_faq.jsp?flag=ccgsc
Pls Check on Q4 & Q5 You get the Answers from there.... nod.gif
fly126
post Feb 14 2014, 01:46 AM

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QUOTE(charymsylyn @ Feb 13 2014, 11:13 PM)
Mind sharing the main site?
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http://www.aciworldwide.com/

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