yep, you are right. most importantly is to judge how much is your spending, which they will see your regular spending over your credit limit. then, they will see how prompt is your payment. that would be critical to bank to approve your loan.

At some point, you don't use the card at all, and the credit limit is high, some banks will just use the credit limit and get a certain percentage as your "regular spending", which actually is not even there. this is one of the reason why a lot people will call in to reduce credit limit.

usually on safe line, your regular spending is about 30% of your credit limit then it gives good chance to get a green light for bank to approve loan. of course, lower better.

well, it actually look at which bank too. for maybank, it is hard to get credit limit upgrade for free. so, this is actually a plus point where it shows maybank trust you.

usually high credit limit are available from overseas bank, not local. so local bank's high credit limit shows something on good side

oh? we can do it now? tot we can't... previously someone mentioned that i think?

TP possible for gold to plat.

btw, did u ask at the service centre? or called? afair, instalment can be transferred too, as the reason you are requesting to upgrade from gold to platinum, and wanted to cancel gold

yep

reload via 11street

yes, 11st can use amex. I have been using ONLY amex on 11st

you can, if you pay thru UOBpayonline.... i guess? only VISA / MC accepted btw.

me too... I just tested out with 2 different cards (banks) to test out.

I saw someone in forum said UOBpayonline is registered as the merchant, not the government.. so shall see...

y not?

still available. just imoney puts gold & platinum in same page. read carefully and you can see the monthly income difference

as far as I experienced, it is still RM1000... the refund is considered a fresh transaction, unlike reverse payment.

at first I thought so too. but apparently, if you speaking of reverse, usually it is speaking of same day transaction being reversed, means your transaction is cancelled, or, your deposit to hotel was held, and reversed. so they are actually not charged.

for refund, means your transaction was a valid transaction, and as a gesture of refund your purchase, they pay you back.

to be safe, ignore what I said. maybe I remembered the wrong card operation

SST is charged at mid month. you just got your card approved, so you shall get charged once next month. and since you going to cancel your gold prior that, don't think you will get charged twice.

congrats on your upgrade

do remember your points claim. not sure if they allow to transfer since you are applying as upgrading.

TGV with maybank card promo, can use amex

if to buy 2 tix, don't think got issue. used to buy 2 tix with maybank promo last year... regarding to max seats... how max you wanna go? 10? 20? hahahahaha

which visa