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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq

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fruitie
post Jan 2 2017, 12:54 PM

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EA form records whole year's income (fixed income + yearly incentive) and can I use it to apply for CC? That means I just submit it without my payslip.
fruitie
post Jan 2 2017, 06:07 PM

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QUOTE(alexwsk @ Jan 2 2017, 05:37 PM)
shud be able to, just gv it a try
going for PBB VS?  brows.gif
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brows.gif I kind of know my annual income for 2016 after seeing my last month's payslip but I will check again in Feb after company releases our EA form.
Thought that if still cannot qualify for PBB VS, at least can apply for SCB WorldMiles World MasterCard. laugh.gif
fruitie
post Jan 3 2017, 10:31 PM

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QUOTE(1tanmee @ Jan 3 2017, 10:18 PM)
Tried to apply CC from my crediting salary bank, but got rejected. checked CTOS, got some issues with YES internet summon. maybe this is the reason. CCRIS havent check. Sigh..
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Yes, these days telcos will add people into blacklist. smile.gif
fruitie
post Jan 4 2017, 10:28 AM

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QUOTE(sendohz @ Jan 4 2017, 09:55 AM)
Wow uplevel already
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A lot meh? sweat.gif laugh.gif Compare to the rest here, I'm just an ikan bilis who is picking up slowly from Classic card... sad.gif
fruitie
post Jan 4 2017, 11:42 AM

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QUOTE(sendohz @ Jan 4 2017, 11:30 AM)
gosh i'm so embarrassed.
My AMEX still in gold class  blush.gif
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It's just the matter you want to upgrade or not. rolleyes.gif biggrin.gif
Anyway, these days the requirement is lowered so much compared to last time, so nothing really that great anymore. sad.gif
fruitie
post Jan 4 2017, 10:02 PM

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QUOTE(1tanmee @ Jan 4 2017, 07:04 PM)
deng! or maybe coz i apply the platinum ones! so poor yet apply rich people cards
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Plat for rich people one meh? laugh.gif
These days Plat is like Gold and entry level card. laugh.gif
fruitie
post Jan 4 2017, 10:53 PM

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QUOTE(phantz @ Jan 4 2017, 10:37 PM)
Do you guys having any issue using Maybank Amex for online payment? Tried various site, its not working by showing"The credit card number is not correct"
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Maybank has the tendency to disable AmEx for online transactions. Cardholders will need to call in to activate. Not sure if this is related.
fruitie
post Jan 4 2017, 11:00 PM

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QUOTE(1tanmee @ Jan 4 2017, 10:56 PM)
i know that my maybankcard is platinum!proof
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laugh.gif I was trying to say Plat card is an entry level card now. smile.gif
For e.g. CIMB CR Plat, I applied mine that time it was still 60k per annum for Plat. Now they got rid of Gold, 24k p.a. can get Plat already. smile.gif

So just apply from other bank. smile.gif

This post has been edited by fruitie: Jan 4 2017, 11:04 PM
fruitie
post Jan 4 2017, 11:38 PM

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QUOTE(lilsunflower @ Jan 4 2017, 11:25 PM)
Agreed...  Now even VS and WMC are quite standard for middle income earners. Anyway, in reality, none of this matters. For me, what I look for is generally:

1. Nil or easily waived annual fees

2. Cashback percentage and flexibility and variety of categories eligible for cashback

3. Extras like promotions, freebies and lounge access

Although I qualify for many premium cards, I will stick to the middle tier cashback cards like Standard Chartered Gold Cashback, CIMB CR, PBB VS and Hong Leong Fortune. I don't care about "status" - just show me the money! smile.gif
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Yes, wise choice. I'm also crawling slowly and let my income determine my destiny. laugh.gif
Apply whatever I need. biggrin.gif

QUOTE(phantz @ Jan 4 2017, 11:29 PM)
I called them, they say no issue on their side though  doh.gif
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sweat.gif So, did you check the card no. whether it is correctly? I hope you know that AMEX's CID is the front four digits and not the back three digits (CVV)... You will need to key in CID for online purchase. sweat.gif

This post has been edited by fruitie: Jan 4 2017, 11:39 PM
fruitie
post Jan 4 2017, 11:44 PM

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QUOTE(phantz @ Jan 4 2017, 11:42 PM)
Yeah, i know what Im doing when doing online purchase using AmEx  nod.gif

This problem only occurs after they replace my card for the pin thing  sweat.gif
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OK.. Then I don't know already. PIN & Pay replacement card will not change card no. but expiry date will be changed and CID may be changed.
fruitie
post Jan 5 2017, 05:10 PM

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QUOTE(Fight3Rz @ Jan 5 2017, 04:36 PM)
Hi all sifu,

Can I know how to do :-

Current Card :- HLB WISE

I would like to apply for others hong leong card can i just call up and ask them to change the card or I need to follow normal procedure like submit income statement etc?? What I would like to do is cancel the WISE and get other card...

Resaon: Wise card annual fee are too high and they revised the 10% cashback to min 2k spending
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Can call HLB to convert Wise to your preferred card.
fruitie
post Jan 8 2017, 01:26 AM

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QUOTE(low yat 82 @ Jan 8 2017, 12:41 AM)
already been rejected by aeon big cc.. coz got tunggakan ptptn not settle. lol

i go through balance transfer thread. but seems d amount dat can transfered r limited to 80% non use cc limit.
mayb new cc offerin installment can solve my prob..
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Erm, if AEON BiG rejected your application, other banks will reject your application as well... So how will you be able to apply new card for installment? unsure.gif
fruitie
post Jan 8 2017, 02:59 PM

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QUOTE(low yat 82 @ Jan 8 2017, 11:05 AM)
yaka. i thought aeon somewat abit strict. if like dat, guess need settle off 1st tunggakan. hoho...
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Your CCRIS is already affected. smile.gif
fruitie
post Jan 8 2017, 08:36 PM

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QUOTE(1tanmee @ Jan 8 2017, 08:14 PM)
I assume you meant to say that AEON is the most lenient in giving out CC?
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No, I didn't mean that. Don't misunderstand.
It doesn't matter whichever rejects, once it's not approved for PTPTN reason, it will be rejected by other banks as well.
fruitie
post Jan 8 2017, 09:58 PM

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QUOTE(adamhzm90 @ Jan 8 2017, 09:51 PM)
hi, do you guys know usually how long does petrol station take to charge a cc? because it has been over a week now and a fill up still isnt charged on my amex. 

usually it takes 2-3 days but this particular station is quite far from my house and i only went there once.
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It depends on the merchants, really can't tell. I have a transaction that hasn't been posted by merchant since Feb 2016. laugh.gif
fruitie
post Jan 8 2017, 10:07 PM

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QUOTE(adamhzm90 @ Jan 8 2017, 09:59 PM)
really. haha hopefully they forget it la better
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Yes and mine is RM 500, if I cancel the card, I don't need to pay for it anymore. tongue.gif
Anyway, the merchant has rights to post at anytime...
fruitie
post Jan 9 2017, 11:12 PM

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QUOTE(lalaland.< @ Jan 9 2017, 10:40 PM)
Thanks for sharing, as need to disclose IC during registration and just afraid that identity theft will happen.
Anyway, have register through Ringgit Plus and hopefully qualify for slow juicer.
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Just cross your NRIC, like "only for xxx card application".
fruitie
post Jan 10 2017, 06:09 PM

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QUOTE(adamhzm90 @ Jan 10 2017, 02:43 PM)
For around RM300 petrol usage a month, do you guys recommend i collect treat points or cash back?

torn between continue using my Amex maybank2 or apply Maybank Islamic Petronas Ikhwan for cashback
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Of course cash back. Petrol, TP is only 1x and not even 5x fo petrol. 5xTP = 1.25%.
fruitie
post Jan 10 2017, 07:13 PM

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QUOTE(adamhzm90 @ Jan 10 2017, 06:42 PM)
but tp for amex is 5x right?

applied already for the cashback card. huhu
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Yes, 5x but petrol for AmEx is only 1x. Not all transactions are 5x anymore.
fruitie
post Jan 10 2017, 07:30 PM

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QUOTE(1tanmee @ Jan 10 2017, 07:23 PM)
So Ringgitplus would actually check with the banks and ask whether they are interested to give CC? so tehcnically would have higher chance of getting CC, right?
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No. RinggitPlus is just an agent to help you to submit. Just like those you see in malls but instead of one bank, it serves for all banks.

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