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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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fly126
post Jan 26 2016, 12:25 AM

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QUOTE(intrepidity85 @ Jan 25 2016, 11:03 PM)
er.. may i know what bank don't allow it?..
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Citibank also Tak boleh, tried before on Supp. Card... whistling.gif
fly126
post Jan 26 2016, 04:08 PM

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QUOTE(intrepidity85 @ Jan 26 2016, 08:11 AM)
principal card boleh kan?  tongue.gif
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I don't think so... hmm.gif
QUOTE(Human Nature @ Jan 26 2016, 10:18 AM)
tak boleh means, the form does not provide section to fill name on card, or there is such section but rejected? If rejected, means they automatically follow NRIC for you?
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The form got " Name on the Card" column , put in My 'Preferred Name" for the Card but It Came back with Name follow our NRIC

But however, 100% Confirm that, we can have our "Preferred Name " on HSBC Card. nod.gif

This post has been edited by fly126: Jan 26 2016, 04:11 PM
fly126
post Jan 26 2016, 04:18 PM

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QUOTE(intrepidity85 @ Jan 26 2016, 04:10 PM)
i experienced some merchants would need our IC and match our name with our CC when we swipe at their terminal

well if u use the 'prefer name' and the name is not match with your IC real name.. then how? i never experience this haha.. would the merchant rejected for swiping?
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No Idea...
It Never happened to Me , so far All my CC just follow IC 's Name only.

This post has been edited by fly126: Jan 26 2016, 04:21 PM
fly126
post Jan 29 2016, 10:38 PM

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QUOTE(Human Nature @ Jan 29 2016, 07:25 PM)
A scenario as below:

Let's say annual fee is charged to my credit card on 20-Jan-2016.

I do not want to pay and let's say I terminate on 21-Jan-2016. No usage after AF is charged.

Q1: Do I need to ensure that there is no outstanding amount by 20-Jan-2016 so that I can terminate without paying the AF? Or I can settle any outstanding amount even after the AF is charged?

Q2: The 'no usage' after AF is charged refers to swipes only right? If a cashback is credited after the AF is charged, is that considered as usage?

Thank you
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Im not sure with with MBB..
But However others bank will,
i)They X allow u to cancel your CC if got Outstanding balance in, They will make sure u clear all hutang before can procced to cancellation

ii) Auto debit (billing) also consider as an "usage" & I believe, once the CC have cancelled u x get any CB (even ) previous month CashBack.

Need Make sure inform the service provider of any auto billing early on change your CC or they make any charges on the CC that u want to terminate...

This post has been edited by fly126: Jan 29 2016, 10:54 PM
fly126
post Jan 29 2016, 11:19 PM

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QUOTE(fly126 @ Jan 29 2016, 10:38 PM)
Im NOTsure with MBB..
But However others bank will,
i)They X allow u  to cancel your CC if got Outstanding balance in, They will make sure u clear all hutang before can procced to cancellation

ii) Auto debit (billing) also consider as an "usage" & I believe, once the CC have cancelled  u x get  any CB (even ) previous month CashBack.
 
Need Make sure inform the service provider of any auto billing early on change your CC or they make any charges on the CC that u want to terminate...
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QUOTE(Human Nature @ Jan 29 2016, 10:48 PM)
Your (i) is for Maybank? Yes, my question is for Maybank too  laugh.gif

Meaning it is okay to have outstanding amount after they charged the AF, as long as I clear the outstanding before cancellation.

What if the AF is charged but I wait for the cashback to enter first before cancellation? Is that ok? Will they consider the cashback as 'usage'?

The date of AF charged and cash back credited in is just 3-4 days.
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Sorry,Typo abit on my 1st reply...

Most of the Bank charge their AF not late than a month or on the next statement

I x think CB is an "Usage" becos it's the bank who credit back "What we have Earn" to our account...

This post has been edited by fly126: Jan 30 2016, 01:00 AM
fly126
post Feb 13 2016, 11:04 PM

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QUOTE(edwardccg @ Feb 13 2016, 10:39 PM)
bank will send us the new pin and pay card on our card annivesary regardless of our expiry date, right?

The new card i believe will have same card number, but how about the CVV number or expiry date? Will it be different?

Do I need to update all auto billing / paypal linked / ps store linked credit card information?
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Yes, U need to inform the update with THEM, becos the Expiry Date of the PIN card will be different as compared to your existing card.
fly126
post Feb 15 2016, 06:31 PM

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QUOTE(fin307 @ Feb 15 2016, 05:16 PM)
haih. I don't know if it's me or what.
I applied rhb, citibank. both got rejected.

requirements all passed.
maybe my record is too clean.
And when I asked the personal banker, she said "oh you need a cc to apply a cc."
How am I supposed to get a cc when all I've applied rejected my applications.

Any advice?

p/s: yes this is my first cc application.
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Yup, Start with UOB & HLB paling senang.... nod.gif
fly126
post Feb 16 2016, 01:36 AM

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QUOTE(fin307 @ Feb 15 2016, 09:53 PM)
yea. I already met the banker. she was surprisingly nice and helpful. She even mention it's a bit difficult to get cc nowadays.

no cooldown period for credit card? you can keep apply? i thought there's a cooldown period like 3-6 months then only you can start to apply back.
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Maybe wait for 1-2 months later baru U submit Fresh Application, becos if the bank sees that you're applying for more than one card in a short time as they may Assume U Desperately needed $$$ & hence of desperate ppl don't make Good Credit, they might not willing to grant you a CC.
Try to have the Basic CC from local bank to build up your Credit History 1st, after that baru apply the Foreign Bank's punyai... nod.gif

Btw, My 1st CC is HLB-GSC Gold Card blush.gif
fly126
post Feb 16 2016, 01:42 AM

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chiahau
Happy Birthday to U
fly126
post Feb 22 2016, 01:41 AM

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QUOTE(fin307 @ Feb 21 2016, 01:05 AM)
btw took me by a surprised that I got the citibank cc. can't wait to get the card. 😁
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Congratz & Welcome aboard to Citi's World Privileges rclxms.gif thumbup.gif biggrin.gif
http://www.citiworldprivileges.com/my/prom...nsandPrivileges

Btw, Which Card you get from THEM...??? blink.gif

Pls Proceed to Citibank thread on further Discussion icon_rolleyes.gif
https://forum.lowyat.net/topic/3672923
fly126
post Mar 7 2016, 12:32 PM

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QUOTE(omgimahero @ Mar 7 2016, 11:51 AM)
3) any entry level credit card can u recommend me to apply? i just scared if i spam apply cc then it shows bad credit score next time in the future cause alot of rejected cc application.


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Try UOB One Card or HLB Mach or SCB Cash Back Gold a bit Lenient Compare to other banks for build up your Credit History 1st... icon_idea.gif

Actually, 1 of MY first CCs also from Them... innocent.gif

https://forum.lowyat.net/topic/3842474

https://forum.lowyat.net/topic/2421215

https://www.sc.com/my/campaign/cashback-gold.html
Btw, U are fresh grad...??? smile.gif

This post has been edited by fly126: Mar 7 2016, 01:05 PM
fly126
post Mar 7 2016, 03:57 PM

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QUOTE(omgimahero @ Mar 7 2016, 01:28 PM)
Ahh.. icic, i think i will try to apply one more time but with the card requirement of RM24k PA instead of MBB RM30k PA requirement.

if still rejected i think i will have to wait for another 6-9 months before applying again with a stronger credit record history i guess?
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At least 6 months EPF's Contribution as you need for Bank Reference on New CC apps.

Yup, Becos of U tiada EPF, the Bank will assumed you're Not working long enough do not have a Stable Job, yet..

This post has been edited by fly126: Mar 7 2016, 04:08 PM
fly126
post May 17 2016, 02:12 PM

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QUOTE(eddievh @ May 17 2016, 02:02 PM)
Maybank sifu,generally maybank TP is equal to how many percent cb ? For example maybank2card amex 5X to = %cb ?
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If not Mistaken, 5x tp = 1.25% CB
fly126
post May 25 2016, 09:58 PM

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QUOTE(LeonTan @ May 25 2016, 09:52 PM)
Hi everyone, 2 years ago I tired to apply for cc but got rejected twice cry.gif

Wanna know is there any banks still pledge FD for Credit Card? sad.gif

I tired to search lastest info over here and google but seems no info.

Maybe I ter-miss any info since so many words need to read  blush.gif
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Try Maybank, Hong Leong Bank, Public Bank
fly126
post May 26 2016, 10:52 AM

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QUOTE(LeonTan @ May 26 2016, 10:11 AM)
I went to public bank last 2 years and request for FD pledging Credit Card.
The customer service seems blur about it  bangwall.gif
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Try again or other bank this Year fork out RM5,000 - RM 10,000 for FD can get already... nod.gif

Btw, many bank you have tried to Apply past 2 Year, which bank U Submit Your Apps...???
can elaborate more...???

You can put your Request at CC Remandation Thread, I can Suggest U a Card... hmm.gif
https://forum.lowyat.net/topic/3644347
fly126
post May 26 2016, 11:18 AM

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QUOTE(LeonTan @ May 26 2016, 11:10 AM)
2 years ago I tried to apply Maybank / CIMB / Citibank but rejected. I think is due to PTPTN outstanding.
I paid all the PTPTN debts already on Jan this year.
So I want to try to apply CC again because I am going to Japan and Taiwan for holiday on December. cry.gif
I just want 1 or 2 simple CC for me to use while oversea  rclxm9.gif
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just post your Needs on CC Recommendation thread, Here, will try to Assist U nod.gif
fly126
post May 30 2016, 10:59 PM

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QUOTE(royng1366 @ May 30 2016, 10:55 PM)
Hi Sifu sorry to bother:

My situation is i apply hlb and ambank both rejected, i am 28 yrs old i am a commison earmer annual income 170k got bank statement and commision slip no epf and no cris commitment even any loan, how do i apply card to get a cris history?

Delcare tax 170k for 2015 taxes me rm 12k...
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FD Pledging for Credit Card, Try HLB, MBB, PB.
fly126
post May 30 2016, 11:05 PM

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QUOTE(royng1366 @ May 30 2016, 11:02 PM)
Thank you for your advice, i apply hlb they rejected and i asked for pledge fd they say base on alproval but end up also rejected.
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Maybe with higher Amount start on RM10-20K pledge for MBB Plat. Card

This post has been edited by fly126: May 30 2016, 11:06 PM
fly126
post Jun 22 2016, 08:39 AM

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QUOTE(aromachong @ Jun 22 2016, 08:24 AM)
I see.. can u provide some links?

Thanks
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https://www.citibank.com.my/english/common/pin/index.html
fly126
post Jun 25 2016, 11:54 PM

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QUOTE(blurblursam @ Jun 25 2016, 10:05 AM)
Currently I have few cards.
Any Sifu here can teach me how, when, where & what to use those cards....

1. Maybank dual cards - Amex & Visa (seem like useless now)
2. Citibank Cash Bank card
3. Citibank Reward card
4. UOB one card
5. UOB Lady's card
6. OCBC titanium master card (Freeze)

which one can cancel, feel don't want to keep so many cards.
Thank in advance...
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This post has been edited by fly126: Jun 26 2016, 12:39 AM
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