really ?? downgrade also cant ?

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

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 ?

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..........

Anyone can answer the above ? 

Anyway, just got a tele-marketer call +60321704888. Here's roughly how it goes:

TM: Hi, can I speak to Mr. cute_boboi
CB: speaking
TM: Hiiii... I am calling on behalf of Citibank... on bla bla insurance coverage... may I know your age please ?
CB: If you are calling on behalf of Citibank, then you should have all my information.
TM: Oh no siiiir... we don't have the full info, only your name and h/p, as other information is P&C and Citibank does not release it out.
CB: In that case, why does Citibank release my name & h/p as I consider it P&C between Citibank and me ?
TM: ??? ... ? Anyway siiiir, we are offering an insurance bla bla bla..
CB: It's ok. I don't have any plans and budget to spend more on insurance right now.
TM: Oh... in that case, thank you siiir.
CB: Welcome.

*** The only thing I have with Citibank is Credit Card.   

Boboi, you are not the only person who experience it. I also own Citibank CC only and get the same telesales calling.
Guess not only Citibank sell our info, even other bank does that, eg. Maybank.

Boboi, you are not the only person who experience it. I also own Citibank CC only and get the same telesales calling.
Guess not only Citibank sell our info, even other bank does that, eg. Maybank.

me oso.. few mths after got my card fr maybank, this awek call me promo about membership + vacation + bla bla blaa.. what confused me was, this awek not really working for maybank.. but she has access to all my detail fr her pc while on conversation.. same happen after i got my DA cc..  how cud that happen eh??

i wanna to reject, but he keeps talks and talks....
finally, he just wish me good luck.

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" 

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?? 

Yes, they will know it's a sup card. The number on the card shows it..

how to see it is sup or not ?

I'm holding DA CC for few months and so far never get any call from Telemarketer

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

the most important is to know your X amount..this is the Limit of your retail credit......

no point hide your stuff with bank....

all bank will run check on you...how many cc/loan all can see one......

pointless punya kerja

Thanks for the info. That's what I think also, but I'm not 100% sure.

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Added on April 4, 2008, 9:53 am

Agree. You want to know how, spend 1 hr in Bank Negara, ask for a personal CCRIS check. It's free.  They will print out the bank codes, loan amount, etc. and ask you whether you have loan/credit in x, y, z banks. This is for them to audit whether you have un-authorised cards/loans that you are not aware by looking at your facial and gesture.

After that, they will give you the few pages printout for your own reference.    Remember to bring your MyKad for verification purpose.

At the same time, you can bring all those RM1 coins and old/torn/half notes to exchange new ones.