What happened to your existing CIMB card? Technically, applying new card from the same bank usually sharing the same CL and should not affect your application.

if u want to apply cards from the same bank, better u apply new first then only cancel existing..
if apply other bank, this card should not affect your chances of getting other card, provided that your income is high enough as per card requirement

This post has been edited by deity01: Apr 27 2016, 10:38 AM

Already terminate since it idle for long time.

Will try to apply UOB Vox Visa card.

Okay. Thanks for the advice.

Anyone knows of any UOB booth/roadshow for CC application?

Tq

paradigm mall

citibank got free air fryer if apply thru ringgitplus, anyone applied already?

i plan to apply and cancel the card after i get the airfryer

any penalty if cancel ?

Any penalty clause written in the T&C?

Hey guys, got a quesion on credit limit. Im planning on applying a home loan. And thinking of reducing my CL from 10k to 5k, so that it would give better chance for the loan approval. My question is, would reducing out CL have any affect on loan application? I got 2 cards (CIMB CB/MB Ikwan) with 10k each, so planning on reducing both.

I am not 100% sure.
But for home loan, the bank owns your property until it is fully transferred to your name.

In other words, the approval should be verified against the property value, your income vs commitments rather than how much CL you have, in my humble opinion.

Unlike credit card, there is nothing the bank can hold from you if you don't pay.

I checkd with my banker, he went through my finances and in the record i could see my ccs' CLs. I asked him, and he said the bank would take it into account too, but not much. Not much is still something for me hehe

In that case, that will probably eat into the approval limit, i.e. 80% of the property value rather than 85%. And I am sure the 5% difference is far higher than cutting 5K CL.

This card very useful during New movie released day or festival...

Same experienced during CNY this uear, long long queue for ticketing and food/beverage, but I was just done within few min for beverage

you may call pbb cs to check on the status of your application.

Need confirmation on supp card payment.

i would only need to transfer from my account and GIRO to the principal card number the full amount (principal + supp), correct?

I split payment, pay separately.
I know some banks don't split for you, for e.g. AmBank.

Diff bank diff policy. Some can some not. So better check with the bank. Or tell us which bank as some will already know the answer .

Thanks both. it's cimb btw. appreciate if you have the past experience. else i will call in tomorrow.

Sorry but I don't have CIMB supp. Can't help much but knowing me even if I have one, I will still split payment. Easier for me and only spend additional RM 0.11 rather than calling and checking with them. However, that's just me.

No experience with CIMB too. Can't help here.

https://genxgenygenz.com/2016/04/22/the-bes...ash-back-cards/
https://genxgenygenz.com/2016/04/24/the-bes...laysia-part-ii/

Captain Gen-X has done a great job explaining about this credit card combo.

In this 'Credit Cards, Debit Cards and Loyalty Cards' subforum, do we have a specific thread that provides further discussion on the methods of using AEON Credit Cards plus Online Cash Back Cards?

- Which AEON card is most suitable to be a part of this combo?

- How do we calculate the effective cashback of this combo, accounting for 2% fee and 6% GST (imposed by PosOnline) and RM1.50 fee (imposed by Aeon)? Gen-X has stated 1% to 4% cash back, but I would like to know how to calculate the exact effective cashback.

Thank you.