In the first case - how could you have paid for something without knowing it ?
Second case - What China spending spree ? Please elaborate your story further.

The last thing we want to do is to mislead our members through incomplete/incorrectly stories.

Yeah ... I'm wondering about this as well. Does anyone also know whether Paywave / PayPass / VISA Wave is also available overseas ?

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Added on March 30, 2008, 11:43 pmI'll take the 30% credit limit increase with a pinch of salt but HSBC never offer any Free For Life cards.

This post has been edited by hye: Mar 30 2008, 11:43 PM

Emm .. I suspect this is call from one of those annoying telemarketers selling you all the thing that you do not need. The closest card I know have the Twin Towers design on it for all the classic, gold & platinum card. (EON Bank - MATTA card) Don't be so easily fooled by these telemarketers tactics - what you should have done is ask them to fax all the stuff over and you'll sign up if you are interested, they'll give you all sort of excuses because all they want is you to sign up over the phone.

Problem is ... they don't give up and once you get these calls, you'll get more as well. I suspect they pass around the numbers to their friends. In the US, you're protected by law if you ask telemarketers to put your name in the "No call list" and you can sue them if they do call you. Here, no protection for us the consumers - you gotta be tough to these guys if needs to be.

It can happen to anyone ... anytime. I too had this experience several years back but my card was cloned instead of being used online. At least Maybank has proactive measures and actually in my best knowledge RHB & UOB also practices similar approach. Whenever you perform a transaction which is out of the ordinary - be sure to receive a call from the CS within minutes.

Don't get discouraged. Just need to be careful and make sure you got a good antivirus / antispyware installed on your machine. Keyloggers / vulnerabilities on your machine may leak out sensitive information without you knowing it.

This post has been edited by hye: Apr 1 2008, 06:19 AM

Yup most likely a scam. I get these calls all the time - modus operandi, use a Digi mobile number and claim they are calling from a company. Why can't the company reveal their phone number upfront right ? And why ask whether use credit card or not if they are already your bank ?

Sometime they'll also call and ask that they want to check your credit card number. Never ... never reveal your credit card details to suspicious calls. If they are truly your bank, they know your personal information already. Don't need to ask you so much.

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Added on April 1, 2008, 8:32 pmWhich bank's card are you talking about ?

This post has been edited by hye: Apr 1 2008, 08:32 PM

I think it's the reference to the ipay plan from CIMB.

If I were you, I'll keep the one with the highest credit limit and cancel one of the other card with the 4K limit.

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Added on April 2, 2008, 3:33 amWhy don't you make an attempt to call the CS and activate the card? Possibly by doing so you don't need to send in the yellow card.

This post has been edited by hye: Apr 2 2008, 03:33 AM

Even people who has been working so long can get their cc application declined for various reasons. All banks are generally consistent in not revealing why they decline a person's cc application.

Well ... you need to be earning RM80K per annum to qualify. Same as the CIMB Platinum.

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Added on April 2, 2008, 8:19 pmThe bank will total up all your purchases and then credits the rebates. (Petronas related spendings gets more rebates up to a certain ceiling) So, you'll end up paying slightly less than what you have spent. To compensate, there's no points accumulation unlike most credit cards loyalty programme.

This post has been edited by hye: Apr 2 2008, 08:19 PM

If you intend to use it overseas then go for international banks only (No other choice about it) - HSBC, Citibank, UOB, StandardChartered. My vote goes to HSBC & Citibank (Some love this card and some hate this card, I had ups and downs with it) for easy worldwide recognition. Next would be StandardChartered and UOB would be ranked last.

Fast approval is always a marketing pitch used by the cc agents - countless times I heard this and more often than not this wouldn't be the case. In my entire history of card application, Petronas (Recent) & RHBBank (Several years back) took the longest - 1 month or more. Approval of the card is done by someone from another section of the bank - if you have a good credit record, approval can be fast.

If you ask me, it all depends on your luck. My MBB Petronas took more than 1 month to approve but my friends got it within 2-3 weeks. Discounts ? This depends on what sort of things you like - most discounts are for branded shops for normal priced items. Unless you wanna go for UOB One card but let's not go into THAT topic again. I'm tired of the senseless discussion around it.

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Added on April 2, 2008, 11:05 pmEmm ... not really. These CS handle hundreds of calls and hundreds of applications on a daily basis. If they miss your call, it'll be simple to assume that you miss your chance to be verified already.

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Added on April 2, 2008, 11:09 pmAgree with ya totally. If you don't qualify then you don't qualify - Period. Otherwise DirectAccess might as well just make "Platinum" credit card accessible for everyone. Then the prestige value simply doesn't exist anymore.

Actually, I think Ronnie was still being polite on the answer.

This post has been edited by hye: Apr 2 2008, 11:09 PM

That's a good one ! Finally knew that the battle was fruitless, might as well give up and end the call gracefully.

Whenever I sense a telemarketeer calling (Usually starts with the question - "Are you free to talk?"), I'll ask for the person to state the reason of the call. He/she says this and that and I'll say "I'm not going to waste anyone's time here but I'm sorry I'm not interested in any of that - Thank you". Works everytime and I can't remember anyone saying anything else but "Sorry for disturbing you - thank you and good bye"

This post has been edited by hye: Apr 3 2008, 09:59 PM

Generally, all banks does this and they'll only upgrade those with good payment and credit history. And it's more of a strategy to attract bigger spending from the credit card holder (this is easy .... realign all your bill payments and do it online, petrol, etc) and cultivate loyalty. You are more likely to cancel your normal card and keep your Gold card right ? (Better status)

You can't benefit from both sides. If you/anyone using the CIMB/Maybank Petronas co-brand credit card, you can't claim Mesra points.

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Added on April 29, 2008, 4:15 amThis post has been edited by hye: Apr 29 2008, 04:16 AM

No need to be so kaypoh lah about what someone else earn or how much he pays in tax. Remember, this is a thread for credit card after all and not for you to ask about income tax.

You like talking about how much you pay in income tax to other people is it ? I'm just mentioning that there're certain matters which ppl may find it private.

I think your statement is rude .... n it's my problem I think so. Watch your words.

Yes ... it's only Gold and Platinum. CIMB Petronas Mastercard is Classic, Gold & Platinum.

It's an individual preference my friend. Both are more or less the same but maybe you have a preference in mind that you like better than the other. Some prefer the M2U factor in terms of payment but if you ask me ... you can use GIRO interbank transfer to pay for the cc bill, so it doesn't matter if you don't mind the RM2 fee.

Right now I think perhaps the obvious difference is the processing time .... you could get the CIMB card faster than the Petronas card. And if you are using the card locally most of the time then shouldn't be a problem either way. Unless if you intends to use the card outside of the country most of the time then I'll suggest you to get a card issued by an international bank and consider VISA instead of Mastercard.

This post has been edited by hye: May 1 2008, 01:35 AM

This post has been edited by hye: May 1 2008, 01:45 PM

Yes, I agree. It's rather weird but not to jump to conclusions, just make that check at Bank Negara.

I know a friend who had a similar problem - clean record, no debt and suddenly when want to make loan/credit card application was rejected by every bank. Finally, one bank mentioned that the name was blacklisted in FIS/CTOS due to someone failed to make payment many years back and the bank proceeded to blacklist the borrower and guarantors. This friend was the guarantor and unknowingly got blacklisted for something he/she did not do. (I think it's unfair to the guarantor)

This post has been edited by hye: May 1 2008, 02:46 PM