HLB cc sales convinced me into getting 2 cards from them
it's gold master and mtv visa
they came recently
i don wan to use it
should i just leave it be or call them up to cancel?

until now.........
I still havent got my card approve on banks:-
1. UOB
2. Affin
3. AEON
4. PBB

Most of my cards were 10k credit limit but i still dont know why they the bank above reject my application?

Personally I won't apply for Affin and AEON.

AEON - For the reasons mentioned before, See thread AEON CC
Affin - My friend is using this card. You can't pay for this card via GIRO coz GIRO only accept transfers for normal Affin bank accounts. CS only up to certain hours (if I'm not mistaken normal working hours) - it's not a 24 hours availability unless you lost your card and you wish to block it. They (all banks I believe) provide a dedicated number.

Did you try to apply for all these cards in one go ? Most probably they'll reject your application if you

- Apply for too many cards at the same time.
- Past Payment problems with other banks
- Blacklisted in the CCRIS

I just hate calling to the customer service of CIMB. I waited on the line for 23 minutes before my call being put through to the operator. Iskk!!

i normally don't check my letters. I just walk into ambank fill up the form , ask the teller how much i owe them then i pay lor.
and when i find the sum a bit strange, i ask them (mbf not ambank)  to print past  5 months bill for me (and they charge me) this edward mugui's name was registered to board airasia flight to sabah multiple times .  (about 3k paid ). the last flight was confirmed by airasia that they suspected fraud and cancelled the filght but mbf still charge me. the statement shows only destination to sabah and i called airasia to find out who. (I have never been to sabah before)
second time is when my credit card statement was missing 1 month and the next month it shows that i busted limit at 10k. so i called to ask for printout of previous statement. and heyho, hotel usage in china, all in china.  the last time i use the credit card in china was 6 month ago (before the fraud) buying a jade piece for my gf . since i dont have enough rmb to pay, i swipe card lor. (rmb 10k)  the shop is one of the goverment company (jade business ) as claimed by the tour guide. returning from the trip,( i pay back the loan) and  i check statement every month for 3 month. after that i dont check because never use credit card ma. then on around 5th month, i swipe to buy something (a few k) and then i check statement but statement was missing for that month. so i wait for next months statement. and it shows credit used  more than 10k. ( they give me over the limit facility. i.e. limit 10k but i can swipe 11K or more  but will be under full payment on next bill)
i have gone to mbf cards office to complain on the first fraud and i went there to update my records (after i also fedup and paid for the 3k). as i am not staying in malaysia, i told them to call me at my number in thailand and gave them address . they never call.

oh.. now i recall. on the first fraud, mbf knew about the fraud. they changed my credit card number without informing me. when i go to  pay. they say that the number on my card is not valid and gave me a new number to pay. that is when i start querying and ask them to print 5 months back statement after talking to the teller at ambank.

"how could you have paid for something without knowing it ?"
what is wrong with paying without knowing ? i sometimes overpay my credit card by thousand ringgits. 
i do that very often ok. i dont like the hassle to go and pay. to me credit card is not for emengency use. i get credit card because of eazy pumping petrol, currency exchange when travelling overseas, my wife wants the points,buy something when i go shopping and don't carry enough cash.
my credit card is sometimes a debit card because i over pay them. mbf offer to increase my limit which i did not apply for.    ( this was many years ago)
now i hold only 1 card.( foreign bank platinum sup. card) and now company cashier  follow up on all my family members credit card statement. i do not get problem with foreign bank credit card. safer and much more friendlier. credit limit? no hassle. just call the hot line and they will increase it on the spot for my purchase. free gift? just open the booklet and choose. points are accumulated togather as family . and double points for platinum.
 
imho, high credit limit is not good.

Yes paywave card can work in both visa wave and paypass terminal.

I think the card havent been issued yet, but the terminal will be upgraded around this or next month.
After that u can use your wave card at paypass terminal and vice versa.

paypass = Direct access and cimb mastercard.

Paywave = Maybank Visa

i i had just received a call from [Withheld] number, saying he is calling from maybank, and asked wheather i use my credit card for online transaction. i said no, then he replied, they tracked there is FAULD, and already block my credit card. asking me to collect my new credit card at Maybank branch...

omg.. i just used my credit card first month...

i just called maybank CS and they confirmed the call is true... sien...

does anyone know which bank credit card got this after used flexi-payment?

like u spend 1st, then only call to the bank and convert the spending into a flexi plan.

Citibank s*cks.......just got my rejection letter today !!! 

Going to boikot them.......closing down my saving acc there also....

those univ graduate n currently working.. try opt for Direct Access CIMB Card.. mine salary is 2500.. but can get gold card..  8K credit limit..

if dun have rm80k per annum, how to get direct access plat card ? 

gold card limit is 8k onli?

is tad min credit limit or wat?

i got citibank choice card but got same credit limit as urs gold

juz apply it on noveember

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 cash on call consider cash advance?not consider as a loan? i really confused now

http://hlb.com.my/pfs/cc/cccoc.jsp?flag=cccoc

sounds like personal loan.. like wat pos malaysia offers.. maybe the term they use, instead of using personal loan.. cash on call sounds more promising.. and convincing.. but the rate really high la.. bsn, bank rakyat range btw 5-6% oni.. Alrajhi bank 8%.. but process quick!

do i sound more like bank sales agent ?? 

and i got 5K increment on credit limit by spending 5K. 

I know Hong Leong and citibank gold card = classic card=same credit limit..

even you only qualify for classic card after you use one year will auto upgrade gold for you but same limit.. can action only 

Hi every one ...just found this 

effective 1 July 2008, Citibank will introduce a new Tiered Interest Rate Structure on retail purchases in line with the latest guidelines by Bank Negara Malaysia.