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Credit Cards AmBank Credit Card V2, Free for life card, PPL access with T&C

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OPT
post Oct 12 2017, 12:04 PM

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QUOTE(SzeMeng76 @ Oct 12 2017, 11:24 AM)
Not affecting CCRIS if u have good payment. And with good income doesn't matter u have how many cards.
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QUOTE(fruitie @ Oct 12 2017, 11:26 AM)
Nope. It is not. Only if you are not a good paymaster, it will affect your CCRIS rating.
Plus cards from same bank will share same limit, so in a way, it doesn't increase your DSR as well.
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Then why some banks declined my application because I have “too many” cards with RM 0.00 outstanding every month?

🤔
fruitie
post Oct 12 2017, 12:09 PM

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QUOTE(OPT @ Oct 12 2017, 12:04 PM)
Then why some banks declined my application because I have “too many” cards with RM 0.00 outstanding every month?

🤔
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Rejection or approval is entirely up to the banks' decision. Not really because you have too many cards...
I have 21 cards today from 7-8 banks but until today PBB still rejected me while other banks are approving me, so I cannot really tell why as well.
SzeMeng76
post Oct 12 2017, 12:16 PM

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QUOTE(OPT @ Oct 12 2017, 12:04 PM)
Then why some banks declined my application because I have “too many” cards with RM 0.00 outstanding every month?

🤔
*
Depend on how bank evaluate your DSR ba.
Maybe your credit limit quota had reached align with your total income though.
Try to reduce some bank CL, and try to apply again.

QUOTE(fruitie @ Oct 12 2017, 12:09 PM)
Rejection or approval is entirely up to the banks' decision. Not really because you have too many cards...
I have 21 cards today from 7-8 banks but until today PBB still rejected me while other banks are approving me, so I cannot really tell why as well.
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I got feeling next year you will be approved. rclxms.gif

MGM
post Oct 12 2017, 12:36 PM

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QUOTE(SzeMeng76 @ Oct 12 2017, 12:16 PM)
Depend on how bank evaluate your DSR ba.
Maybe your credit limit quota had reached align with your total income though.
Try to reduce some bank CL, and try to apply again.
I got feeling next year you will be approved.  rclxms.gif
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Yea likely to be this reason or excessive BT.
OPT
post Oct 12 2017, 12:36 PM

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QUOTE(fruitie @ Oct 12 2017, 12:09 PM)
Rejection or approval is entirely up to the banks' decision. Not really because you have too many cards...
I have 21 cards today from 7-8 banks but until today PBB still rejected me while other banks are approving me, so I cannot really tell why as well.
*
QUOTE(SzeMeng76 @ Oct 12 2017, 12:16 PM)
Depend on how bank evaluate your DSR ba.
Maybe your credit limit quota had reached align with your total income though.
Try to reduce some bank CL, and try to apply again.
I got feeling next year you will be approved.  rclxms.gif
*
Ah...
fruitie
post Oct 12 2017, 02:20 PM

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QUOTE(SzeMeng76 @ Oct 12 2017, 12:16 PM)
Depend on how bank evaluate your DSR ba.
Maybe your credit limit quota had reached align with your total income though.
Try to reduce some bank CL, and try to apply again.
I got feeling next year you will be approved.  rclxms.gif
*
That said most likely I will only keep AmBank VS and cancel the rest in Nov. At least, I still have one card if there is any AmBank deal. blush.gif

OT: Yeah, hopefully after I start to cancel some cards and reduce my CL from other cards.
Fortezan
post Oct 12 2017, 02:49 PM

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QUOTE(drbone @ Oct 11 2017, 04:31 PM)
RM0.00 AmBank:Dear valued cardholders,we have updated the T&C of yr complimentary Plaza Premium Lounge access. Info@

Just got this in my sms. Luckily I’m not affected for the premium lounge unlimited access.
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HNWI with priority banking spotted! brows.gif
tonytyk
post Oct 12 2017, 03:49 PM

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QUOTE(drbone @ Oct 11 2017, 04:31 PM)
RM0.00 AmBank:Dear valued cardholders,we have updated the T&C of yr complimentary Plaza Premium Lounge access. Info@

Just got this in my sms. Luckily I’m not affected for the premium lounge unlimited access.
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PB customers have a different WMC/VI card?
drbone
post Oct 12 2017, 04:12 PM

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QUOTE(Fortezan @ Oct 12 2017, 02:49 PM)
HNWI with priority banking spotted!  brows.gif
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Lol , my NW is peanuts compared to most in the priority banking thread.
deitel73
post Oct 12 2017, 04:42 PM

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QUOTE(ckweng @ Oct 11 2017, 04:43 PM)
With these changes to PPL access, I believe AEON Gold's 6x per year with no strings attached is better then.
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But Aeon Gold 6x is for local PPL and Ambank Visa Signature is local + oversea, right ??
fruitie
post Oct 12 2017, 05:17 PM

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QUOTE(deitel73 @ Oct 12 2017, 04:42 PM)
But Aeon Gold 6x is for local PPL and Ambank Visa Signature is local + oversea, right ??
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Yes. In life, you gotta give and take. Want overseas PPLs? Get cards with Priority Pass (very rare and probably for high income earners) or just continue spending minimum RM 500 with your AmBank card before or after your PPL visit.
deitel73
post Oct 12 2017, 06:06 PM

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QUOTE(fruitie @ Oct 12 2017, 05:17 PM)
Yes. In life, you gotta give and take. Want overseas PPLs? Get cards with Priority Pass (very rare and probably for high income earners) or just continue spending minimum RM 500 with your AmBank card before or after your PPL visit.
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Yes, new rules starts from 1st Nov 2017.

If get Citi Visa Signature and can get Priority Pass.
tonytyk
post Oct 12 2017, 06:55 PM

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QUOTE(deitel73 @ Oct 12 2017, 06:06 PM)
Yes, new rules starts from 1st Nov 2017.

If get Citi Visa Signature and can get Priority Pass.
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Is it Citi prestige instead of Citi Visa Signature that come with PriorityPass?

This post has been edited by tonytyk: Oct 12 2017, 06:55 PM
coolguy99
post Oct 12 2017, 07:32 PM

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QUOTE(tonytyk @ Oct 12 2017, 06:55 PM)
Is it Citi prestige instead of Citi Visa Signature that come with PriorityPass?
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yes i believe so. you need annual salary of 200k to be eligible for the card though
Morning_Star
post Oct 12 2017, 07:57 PM

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https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html ???
vs
https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html unlimited local PPL
vs
https://ringgitplus.com/en/credit-card/RHB-...redit-Card.html 5x yearly

This post has been edited by Morning_Star: Oct 12 2017, 08:11 PM
coolguy99
post Oct 12 2017, 08:14 PM

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QUOTE(Morning_Star @ Oct 12 2017, 07:57 PM)
https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html  ???
vs
https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html  unlimited local PPL
vs
https://ringgitplus.com/en/credit-card/RHB-...redit-Card.html  5x yearly
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if you read carefully, there are many hidden conditions for rhb visa infinite
fly126
post Oct 12 2017, 08:30 PM

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QUOTE(fly126 @ Oct 6 2017, 11:30 AM)
More than RM100K spending p.a You will get Unlimited Access &
10 X complimentary access if spending is below RM100K p.a on RHB VI.
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QUOTE(Morning_Star @ Oct 12 2017, 07:57 PM)
https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html   ???
vs
https://ringgitplus.com/en/credit-card/RHB-...a-Infinite.html  unlimited local PPL
vs
https://ringgitplus.com/en/credit-card/RHB-...redit-Card.html   5x yearly
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QUOTE(coolguy99 @ Oct 12 2017, 08:14 PM)
if you read carefully, there are many hidden conditions for rhb visa infinite
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This post has been edited by fly126: Oct 12 2017, 08:31 PM
Morning_Star
post Oct 12 2017, 09:42 PM

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In that case,
5x https://ringgitplus.com/en/credit-card/RHB-...redit-Card.html
5x https://ringgitplus.com/en/credit-card/Publ...a-Infinite.html
4x https://ringgitplus.com/en/credit-card/Hong...a-Infinite.html
6x most AEON cards

since RHB VI PPL is subject to availability quota.
nothingz
post Oct 12 2017, 09:49 PM

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QUOTE(Fortezan @ Oct 12 2017, 02:49 PM)
HNWI with priority banking spotted!  brows.gif
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not necessarily he is a priority banking customer. if he spends on his VI/WMC regularly and hit RM500/RM1000 easily then the revised t&c will not affect him anyway

This post has been edited by nothingz: Oct 12 2017, 09:50 PM
tonytyk
post Oct 12 2017, 10:01 PM

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QUOTE(drbone @ Oct 11 2017, 04:31 PM)
RM0.00 AmBank:Dear valued cardholders,we have updated the T&C of yr complimentary Plaza Premium Lounge access. Info@

Just got this in my sms. Luckily I’m not affected for the premium lounge unlimited access.
*
QUOTE(tonytyk @ Oct 12 2017, 03:49 PM)
PB customers  have a different WMC/VI card?
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There was no PB WMC/VI issued previously, right? So PB customers have to get the new PB WMC/VI, only launched this month?
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