i think HSBC CC is a Cheapo giving out higher Credit.. xx month ago i apply... CIMB/Rakyat/HSBC (yes i have history CC CIMB pay off and cut it.. NO Gatal balik.. see all friend just swipe.. so i feel like wanna swipe too)

End of Week i receive CIMB/HSBC | Rakyat take 3 week.. i dunno why..

What i get?

all Platinum Rakyat/CIMB i get Credit RM20K meanwhile HSBC just RM14K... Wtf.. when i call they say that decision was made by higher management base on my current financial status.. and i ask why other CC i apply i got same Credit amount.. they give me same answer with different tone.. x

yes on my First CIMB CC but i pay it off... than CUT it.. NOW apply again..

may i know your CL ?

WOW.. HSBC CC really insulted my ego.. they should just give me Standard CC rather plaster Platinum give me CL to only RM14K... what a dicky move HSBC.. x

add-on: as proof i actually own CC with low CL.. i found my intro paper come with CC.. i can't find Hsbc.. maybe tomorrow.. eh.. here is Rakyat CC CL limit is just RM20K... got CC pla sticker.. eh.. should not bother with pla stiker on cards if CL is a joke..



This post has been edited by Unseen83: Jul 28 2015, 02:30 AM

wow RM5oK credit.. how old are you ? how long you been working/ Gov or Private LTd? how many CC u own (maybe this happen as i apply 3 CC same time)? or they been racist to Malay ME..

i gonna call up CC ask them(later)... this is sux to be me.. getting Low CL and Tag Platinum...

hm 2008-2010 i got Maybank CC give ne 2 separate cards one Visa/Mastercards.. combi amount RM15K i don't use it so much but end pay it off Cut it..

Regarding COMPLAIN.. 1)my CC so is my right to do so 2) they Give me Platinum Cards.. i should get defo more RM14K! if base on 3x or 4x my Base pay.. No worried i call Complain.. today now my CL bump RM20K (yes i am happy now MUHAHA!) even so i never gonna use it i just use my CIMB CC make no sense to abuse all CC.. x

is not my first CC from HSBC... My pay record is good no Blacklist or red tape/LATE on payment ok Madam.. (your female right? 2x my age oh 60yo on LYN wow i thought 33 on Lynet i feel oldman) is okay now.. i call HSBC they sorted my CL..

i Think i got good records, i on time payment.. settle my previous car loan and finish my first home loan.. i got Utilities bil pay on time AND i have History with HSBC MAlaysia and UK i use their CC product before pay off and Cut it.. is just unsatisfied i got CC Platinum TAG but give LOW CL that's all if im newbie yes i understand credit awards is low.. but i am not..
is a Saham when they(Rakyat CC) give you credit they also use the amount credit to be reimburse into saham.. and within year or so it get increase.. RM30K +(in theory if increase but i doubt it)
further explanaition :
base on Islamic finance(wat i was told).. is call Ijab an offer of commodity from bank under basis of murabahah with deferred sale price upon the purchase of said commodity AND if you chose this you need to agree with Wakalah" (word for wakil bank may use cl to do buying/selling balance) AND u also need to agree with Qard" a processing profit making and loss..

not angry.. just emo icon.. lolx and i was disappoint in Credit Limit.. x 3 bank apply with same doc.. detail get one of less CL.. eh

by way those coupon come CC they give that every year ? cause mine say expire 31 dec 2015 so every year got new coupon ?

awh shoot.. don't tell me hsbc don't give anything ... with CC. on pic u see the booklet with retards kid smiling, inside booklet is bunch coupon.. for restaurant and hotel but hotel only penang/langkawi the rest is thailand/philiphine/dubai so on..

is all limit of CL in other words they use what available balance in CL to buy/sell commodity(stock/ it have to follow islamic principle halal e.g. no pork/alcohol if loss they also not allow to charge you more than 1% same goes Islamic banking rule if late payment what so ever bank not allow to charge you higher 1%(theory laa))

Yes it use only your available CL and not allow touch your saving.. so when they make profit CASH it out.. (but there be charge for that ) this also guarantee CC will not need to charge you yearly membership/card charge as it use cc to buy/sell commodity (such as Coffee/sugar/orange/sausage(Halal)

Add-on: secret for you most CC use your CL to buy commodity just they did not inform you shhh...

got cl increase, just got hire purchase RM118K (approve in 24hr/this more to where/who you work and your job description/specification/commitment not over60% base pay) but your correct too.. thing is i apply for Car loan first than 3 CC.