Yes ... you are right about the MTV card. It's a "Classic" level card.

is hsbc very strict when we apply their card ? i hear some bank will not even call your company to check then approve already.. how about hsbc ? anyone can share ?


which card offer the most dining and shopping benefit ? UOB is it ? any other better ?

for me HSBC is not strict. i got mine on the 1st application and it's my 1st card, salary only Rm1.5k

this Q, u shd ask HR people, guess they deal with bank confirmation mostly.

Do you have to pay annual fee ?

By default - YES. However, if your spending and payments are consistent - I don't see why the bank will not consider your annual fee waiver request.

just got my 1gig pen drive from CIMB yesterday~ haha

wanna ask u guys... what's your credit limit for HSBC classic Visa normally ?

HLB.. is very troublesome cause they deposite machine always out of service.

HSBC... depends on your income. But I think at least Rm4k limits.

This post has been edited by 112006: Mar 27 2008, 02:13 PM

What card u applied?

I applied CIMB classic but only get multipurpose penknife

i applied direct access gold..
penknife not bad mah....

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Added on March 27, 2008, 2:22 pmna behh.. HSBC looks down on me lor.. .my salary income higher than my Gf... but my GF credit limit higher than me!... we applied it at the same time... same type of card somemore...

This post has been edited by AiRBooM: Mar 27 2008, 02:22 PM

what is your credit limit ? maybe because you have other card gua

waiver for 1st 3 years...
haha

donno.. not sure.. document all send.. but rejected.. wahaha.. ~

who cares.. see which bank give me credit card lo..~ then i only i open a FD wif them

How about Maybank? Will they waive annual fee? My MBB is coming to its 1st year soon and if they don't waive for me, I'll cancel the card but before this I need to redeem all my TP.

What if I didn't use the card for whole year, will they waive the annual fee? I think not?

The chance of getting waiver is thin.

That's what I think... so free for life credit card still suit me most

Yes, there's a possibility they'll waive your annual fee waiver - if you have utilized the card and made regular payments. I'm not sure whether they'll look at the total annual spendings as one of the considerations.

Let me share my recent experience - 1 or 2 months back. I recently helped my friend to cancel his MBB card which he had for years. (I even helped to write the cancellation letter). MBB called him later and offered to waive the annual fee waiver for 5 years. (Hope I heard him right) Different people may get different offers I think.

David83, if I'm not mistaken you also have another MBB Petronas card if I'm not mistaken ? In my recent conversation with their CS, they told me that you could move any outstanding balance to the Petronas card and the points will be migrated as well to the new card.

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Added on March 27, 2008, 8:30 pmYup ... seems Free for Life cards getting more popular with consumers as no one needs to worry about annual fees anymore.

This post has been edited by hye: Mar 27 2008, 08:30 PM

I also had a recent conversation with the CS. They said if I cancelled the card, all the oustanding balance (inclusive of the 0% installament programme) will be transfered to the other card. However the TP won't be "migrated".

MBB is my primary credit card and I have been using for almost every CC transaction. Now with no longer having my HSBC, I only use both MBB.

Won't argue on the TP issue. If I'm not mistaken that's what the CS told me but you could be right on this issue - any confirmation from the other members here ?

Since I don't have any HSBC CC and don't maintain any saving/current account with HSBC, I'm wondering that what am I going to do with the security device? So I return it back to HSBC and at the same time cancel the Internet Banking account?