That's strange, mine are sharing the overall limit with my dual cards
But as long as you are keeping good payment record, when applying for temporary CL increase, you won't have problem with it
Or another way is, be the Aspire member.

That's translate to annual income of rm200k

My PBB's VS only rm8000, that's after I appeal

Well, rm1000 also enough for me
As for CL, just joking, they have few criteria to set a CL, like my PBB's VS can get that amount are mainly because I settle the housing loan fast and never being late on any payments

There's ways to cash out your credit card without getting charged. Been doing this for the past 4 years.
Help people pay bills, sell groceries are the best method.
But if put the card to ATM to cash out, that's very bad

Well, my way is kill 2 birds in 1 stone.
Oh, my son likes to sit in the trolley when we do shopping, so now is 3 birds

Pay for your friends, or pay for family also can, then they give you back money.

Well, your friend is right, using credit card and cash out from ATM's admin fee are cheaper than PL's interest rate if you pay in full before the statement due date.
Even if you don't pay in full, it is only 1.5% of interest a month on the outstanding balance. So what's the big deal

Well, latest news that I read from thestar is 47% of the youngsters are having bad debts(CC or PL) and there's sign of increasing.
Most people never think on how this 1.5%/month will do until they reach age of 30 where they are getting married or buying a house.
AKPK, newspapers, online portals have such articles but yet some refuse to read and understand, rather than asking others to support having bad debts are right.
When dealing with such people, using the gentle way won't help

Yup, that's right. Basically if we use rm1000 only, bank will incur some lost, but who cares

Just keep in mind on this, credit card charges to merchants are only 1-4% but we are getting 5%, so as long as we spend on the dot to get max cash back, they are losing money. So is sooner or later they will revise the T&C, OCBC was the first, follow by dual card. So now the bloody question is, which is the next

WHat I mean is less T&C on getting cash back cards. Both of them I applied is because of this.
Other no doubt have cash back, but with T&C

Well, those were the days

When you apply a card and get rejected, do review your current financial status.

Well, too many cards is 1 of the reason you get it rejected. This is what the officer said. But she says don't quote her since she will be in trouble.
You really dig out my issue with HSBC where I have a dormant account which caused me to "blacklisted" by them.

More important is the card is in our wallet

All banks have a sort of "open" connection on basic rating, like how many cards a person are holding. That's why I said before just our IC number can do wonders(on knowing who are you) already.

Not really need to reduce the CL, more important is your past records, relationship to that bank. Like my credit rating considered very good to Public Bank since I had a housing loan with them. And their VS are the first card in my life that gives rm100k of CL which I only spend rm834

It means nothing and if any fraud case happens, you will have trouble.

They will call once the card reached the branch. But the call will be late

Ikhwan as primary card for petrol and groceries(assuming you only have MBB cards), AMEX keep for collecting TPs on other transactions.

Don't call CS, better go straight to your nearest bank branch and ask for it, preferably the branch you open your account.

Poor quality fuel, does not really improve my car's FC, also the carbon smell are more obvious.

"transaction date" on 1st, so posting date is 2nd