Bank FD Collateral for Credit Card Approval, Or pledged fd
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 Jun 14 2023, 11:59 PM
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#21
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Senior Member
1,837 posts Joined: May 2010 
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QUOTE(NEP1971 @ Jun 8 2023, 08:37 AM) When you walk into premier banking, amoi there will give you more attention than amoi in normal banking. Premier banking center staff all are young amoi? |
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Aug 5 2023, 03:03 AM
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#22
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Senior Member
1,837 posts Joined: May 2010
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QUOTE(Mee Rebus @ Jun 8 2023, 04:21 PM) How this works ? Assuming after few years, you cash out your FD, the CC will be cancelled even all the while your make prompt payment ? If you want to withdraw your fixed deposit, you must cancel your credit card first.. |
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Aug 5 2023, 03:09 AM
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#23
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Senior Member
1,837 posts Joined: May 2010
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QUOTE(cloudwan0 @ Jun 8 2023, 02:58 PM) yes. nothing good from HSBC, usually sign up for point, free gift... my mandate card only 2~3 cards, but i got like 20+ different CC from different bank...  This hsbc travelone credit card nice Travel in style Airport lounge: enjoy 4 complimentary lounge visits per year to over 1,300 global airport lounges for primary cardholders – register now Travel rewards: shop at key destinations around the world and enjoy cashback offers and discounts from both in-store and online merchants across over 25 countries https://www.hsbc.com.sg/credit-cards/produc...velone/rewards/ Airline miles Redeem your points for miles with any of our airline partners, including British Airways, Cathay Pacific, Singapore Airlines and many more. Hotel stays Redeem your points for hotel points with  Accor Live Limitless, IHG One Rewards or [ Redemption rate: 25,000 HSBC points : 10,000 hotel points] Marriott Bonvoy [Redemption rate: 25,000 HSBC points : 10,000 hotel points] and enjoy free hotel stays at over 10,000 hotels worldwide. This post has been edited by plouffle0789: Aug 5 2023, 03:11 AM |
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Aug 7 2023, 09:53 AM
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#24
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Senior Member
1,837 posts Joined: May 2010
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QUOTE(kons @ Aug 7 2023, 09:24 AM) no one cares about your fd once your card approve. Must after 6 months?the fd is just for the card approval and credit limit.. after 6 month i withdraw the fd .. and use it on other banks |
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Aug 7 2023, 10:55 AM
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#25
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Senior Member
1,837 posts Joined: May 2010
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QUOTE(cytyler @ Aug 7 2023, 09:57 AM) tried to apply for hsbc cc that salary requires 3k/month, where my salary is 4x the requirement, yet get rejected. i wonder how they evaluate the applications. https://www.hlb.com.my/en/personal-banking/...ed-deposit.htmlThe eligible card type and corresponding minimum FD pledge amount are as follows: Card Type Min FD Pledge Amount (RM) Emirates World Elite 50,000 Emirates World 20,000 Emirates Platinum 12,000 airasia Platinum 12,000 airasia Gold 2,000 GSC Platinum 12,000 GSC Gold 2,000 Sutera Platinum 3,000 Essential 2,000 WISE 2,000 I’M 2,000 Just ask the hsbc bank staff how much fd need? Maybe just 3000? |
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Aug 7 2023, 12:07 PM
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#26
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Senior Member
1,837 posts Joined: May 2010
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QUOTE(trojandude @ Aug 7 2023, 11:33 AM) I use AmEx plat. This one better than most black anyway besides AmEx black. Most if not all local CCs including the Priority Banking ones (use FD as collateral as you say) have foreign transaction fee which is lame. Frequent travelers have lame choices of card in Malaysia. This card have some special features?I think only OCBC Voyage have 0% foreign transaction fee  Can put fd to get this credit card? |
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