Anyone received the first bill of CIMB Petronas statement? how's the rebate counting on?

it's combined limits of 8k to be precise. haha

may i know Any different with credit limit ?

Meaning either you get one card or two cards from CIMB DA. The combined credit limit or simply credit limit is 8k.

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

Who wants to order Pizza Hut online?

http://www.maybank2u.com.my/promotions/con...hut/index.shtml

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

is it really matter to get DA plat card???

if u use ur income to apply DA, sure ur credit limit will be much higher.

anyways, higher credit limits got no place to utilise also...

hai.....dunno......only a basic clear card only leh........my AI oso around 25K.........fresh grad........mayb to them is not a potential customer......

can anyone suggest me other credit card that can approve fast as i'm going oversea next mth and another thing is has a lot privilage (like discounts at shops or restaurant - like citibank) ?

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Added on April 2, 2008, 10:49 pmreally? i not so sure about the HR at my side la........but then i did give their number to them as my company advice us not to give out our direct line...........actually can the citibank CS call my direct line instead of the HR? .......if can then i'm going to give them my direct line ......HR my side are useless.... .....that's why my company turn over time was fast .

actually the citibank CS should try call a few times before rejecting right..........as unlikely those HR ppl wil sit there wait their call.

This post has been edited by candy_chl: Apr 2 2008, 10:49 PM

Simple assume would be "cannot get" as didn't meet minimum annual income requirement

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

You may try HSBC and UOB

Normally citibank CS will call ur company HR during first or second week period when u submited ur application..i am sure they will call after lunch hour..unless ur company HR person always not around their place ( means late came back during lunch, or go somewhere else to lepak )

And citibank CS would not call u personally for verification...so useless u give them ur direct line number..

I'd suggest HSBC.. quick response.. but dunno whether they can process quick.. If you good lucky, certain sales agent might try to get you Gold card.. with 10k credit limit.. I've experienced this once, but i didnt go for it coz already got 2 card.. Nnt byk hutang woo.. may get default and go bankrupt!

This post has been edited by fikrie: Apr 3 2008, 10:01 AM

Since talking about credit limit, I check my Citibank monthly statement. Seems like it has change:

Card Spending Limit (Had Kredit) = (X) RM.....
Installment Loan Limit (Had Pinjaman Ansuran) = (Y) RM.....
Total Credit Limit (Jumlah Had Kredit) = (X+Y) RM.....

So, which one is my true credit limit ? X or X+Y ?


e.g. If I swipe a couple of flight tickets, my limit is X or X+Y ?
If I swipe a couple of Osim chairs and installment payment, is X+Y ?

does anybody know whether it's easier to get cc or personal loan approved. my application for cc was rejected, should i try again or apply for personal loan instead.

try la with different bank.. one way another ur application might get approved somehow, unless u got bad credit history.. i once applied for citibank, got rejected probably coz i didnt pay celcom bill dat time.. then applied for maybank.. 3 weeks later got my card.. it depends la..

if u wish to apply loan, most banks will need the applicant be employed at least one year, then they may consider.. if you work private, then the requirements may get a bit extensive compared to those work with govt..

whether u need cc or loan, depends on your need ofcoz.. if u like to shop online, or just small thing.. can apply cc.. if u wanna buy somtin big, loan is ok.. most important, u could afford to pay it later.. dont go for along dah la..

i guess others have better advice than me..

Wah....definitely i'm not trying RHB bank. How fast is the approval for HSBC? after being rejected by citi, i thought of trying with HSBC or UOB.

good credit record......i dun think i hav a bad one though.......citi rejected me likely due to my AI was only ~25K. i never had a credit card b4 except the one supplementary fr my parents which i only use for emergency. currently still having it.......but of course now already working, hoping to get my own card.

actually when applying credit card, if i disclose i hav a credit card without telling them is supplemetary.......wil my approval be fast as i ady 'had' a credit card?? can they find out that it's actually supplementary??
isn't it funny that one side agent dying to get customer to sign up for a cc.......and the other side CS rejecting client's applications just because they miss one call?? where is the company professionalism??

i know UOB doesn't call up the HR for verifications.....how bout HSBC?? do they call for verification as well?? if depending on my HR to pick up these calls.......i can just 4get about applying card fr banks like citi

my AI only ~25K can get gold card meh........somemore with 10K limit......

bad history due to a celcom bill..... then definitely i'm a clean profile......dun even have any loan need to pay like PTPTN. does citibank requires cc applicant to hav at least work for 1 yr also?? i only worked for 9 mths ady.......some of my friends asked me to try again after 1 yr.......lol. sometimes really dun understand credit card company..........

credit company always first time quite hard 1 ...

now give u example .. u can hv a gold card .. then u go apply a classic card from another bank dun mean 100% get approval 1 ...

really ?? downgrade also cant ?

but now gold = classic lo... no different.. soon plat = gold = classic .. hahaha