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 CREDIT Card Thread v2, Everything about the world of plastic

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vin_ann
post Apr 28 2008, 10:35 PM

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QUOTE(accs_centre @ Apr 28 2008, 10:02 PM)
If Im using Citibank Gold to apply CIMB Petronas Mastercard, usually they will give u classic or gold? Cuz i didnt tell the officer which one i wanna apply  sweat.gif
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the officer sure definately will choose for you which will give him/her high commission lol...
haa
vin_ann
post Apr 28 2008, 11:11 PM

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QUOTE(accs_centre @ Apr 28 2008, 10:41 PM)
Oic..Thanks all..
My Gold card is upgraded based on my payment history and not income level..
How long does CIMB process CC application usually? Im just cancel my lousy MBF cards today..hehe

Nowaday EON and STANDARD C. all giving Gold card to attract ppl to apply.. too bad  vmad.gif
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how do u know it?

im always pay in full, but only citibank upgrade my card to gold only.

vin_ann
post Apr 28 2008, 11:25 PM

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QUOTE(accs_centre @ Apr 28 2008, 11:16 PM)
EON bank has booth in PC Fair and saying free Gold card for all application..SC came to my office and say give u gold card la..  rclxub.gif
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oic.
so nice.
vin_ann
post Apr 29 2008, 11:36 PM

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QUOTE(hugo_chong @ Apr 29 2008, 11:20 PM)
i just now try to find verified by visa to enroll in citibank website but i can't find .....
did anyone know how to do that ??
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if im not wrong, citibank visa dun have the "verified by visa"
vin_ann
post May 1 2008, 12:17 PM

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QUOTE(tiger63 @ May 1 2008, 08:20 AM)
Its true that the processing time for Maybank Petronas Visa takes about 1 month. This is because of the overwhelming response to this card. My insider source told me that till today more than 200,000 applications have been received.

I have never had any problem using my Maybank CC in Australia and Europe. However it is advisable to inform your bank prior to your overseas trip so that you dont encounter any embarrassing situation when trying to use your CC overseas. Your transaction may not go through if you fail to inform your bank.
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agreed with u. i also have no problems when using my mum supplementary card when studying in Oversea. importantly, you have informed your bank.
vin_ann
post May 1 2008, 12:26 PM

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QUOTE(candy_chl @ May 1 2008, 12:19 PM)
the online tracker thingy is useless, i already know they processing my application since last 2 wks, coz they did call me to fax some other doc, but somehow the tracker thing til now is not working at all. it's better to juz directly call them and ask.
erm.....i apply earlier than my colleague who is sitting next to me. she got receive call fr them at office but mine no news at all. not sure whether is rejected or not as i haven call them to check my status yet.
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sometimes, your luck is not there. mayb some where in the whole process got some mistake. just be paitient.
vin_ann
post May 1 2008, 06:40 PM

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hey guys/gals,

just now login into the citibank online banking, i saw Other credit card payment.

i thought is using Citibank to pay another CC debts. but im wrong. it's actually is just using other credit card to make payment to your utilities bills.
vin_ann
post May 2 2008, 12:12 AM

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lucky, my waiting time for my credit card is around 2-3 weeks depending on the bank.
vin_ann
post May 2 2008, 02:36 PM

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QUOTE(MakNok @ May 2 2008, 01:55 PM)
hi,
whether verify or process before approve,i also not sure?

coz actually i was reluctant to apply as i was having OCBC (housing loan,but free annual fee 5 years only),UOB,Hong Leong,Maybank,RHB credit card then..

Got sweet-talk by the HSBC who say i can get pocket watch free gift...and lator when my creditcard approved...i need to spend rm300 minimum....kena trick ...Arggg!!

All i know is HSBC call me on my handphone few days lator....answer some simple question...Presto....approved liao!!!
Same goes for CIMB-Petronas...apply coz free for life and AmBank Classic free for life....instant free gift some pvc pouch.

Nowadays i steer clear from credit card promotion booth.....free gifts temptation too great.. biggrin.gif

So within 2 months...i got another 3 new creditcard!!!! adding to my current collection.
think my total credit limit = RM116k approximate

and more debt lagi...

planning to cut those charging me annual fee..
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you are to valuable for them.

i got few calls from HSBC, offer supplementary, buy insurance la... and bla bla bal...

but all kena rejected by me.
vin_ann
post May 3 2008, 07:55 AM

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QUOTE(siutimtim @ May 3 2008, 12:36 AM)
wah.. rm40k credit? you put fix deposit in the bank? my only rm4k sad.gif
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pls dun compare yourself with others.
given time and effort, you also can reach the level your desired.

if u compare everything, then you will be live suffering.
vin_ann
post May 3 2008, 03:46 PM

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QUOTE(siutimtim @ May 3 2008, 12:35 PM)
RM40k is plat card is it? you got hsbc plat card?
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mayb what he mean is accumulated total credit card limits is 40K.


Added on May 3, 2008, 4:16 pmOMG OMG...
dun know it's true or not. or it's a scam.

im just received an SMS from 017-6674 172

saying that, at BHP Petrol, use your E-card or/and UOB ONE card RM50 above, you can win total value of RM150,000 of prizes and LCD TV.
For details pls call 03-2070 9499.

the SMS i received is in Mandarin words.

UOB Card holder, do you got received this kind of SMS???

This post has been edited by vin_ann: May 3 2008, 04:16 PM
vin_ann
post May 4 2008, 03:06 PM

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QUOTE(tinkerbel @ May 3 2008, 04:45 PM)
@vin_ann,
U could always verify through UOB's website; I'm sure it'll be posted on their website should they have such promotions/contest.  Well, I hold a UOB credit card but I haven't received such SMSes.  I'll check with sis if she received any when I see her later.
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yeah. found the promotion.

"Drive Away A BMW 320i, BMW 523i Or A BMW X5 3.0si With UOB Credit Cards"

now i need to pump RM50 minimum petrol or spend RM50 minimum to get 1 entry.

vin_ann
post May 4 2008, 03:19 PM

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QUOTE(yks8845 @ May 4 2008, 01:55 PM)
here u go http://www.directaccess.com.my/ brows.gif

opps, i just noticed it was merge to www.cimbbank.com.my... i have no idea now... doh.gif
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Dear Valued Customer,

Thank you for visiting us. In line with SBB and CIMB merger, our new website address is http://www.cimbbank.com.my/. You can also access our Internet Banking service, CIMB Clicks via this new website.

This page will automatically redirect you to our new website. Click here if you wish to be redirected immediately.

it's show this when im clicked the www.directaccess.com.my
vin_ann
post May 4 2008, 05:01 PM

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QUOTE(Shinichi @ May 4 2008, 04:43 PM)
Guess they've officially "merge" with CIMB. Not sure if the 2% petrol rebate still applicable or not.
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yes. it's merged.
and i use cimb clicks to login my DA's CC account. and it's works.
vin_ann
post May 4 2008, 07:53 PM

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QUOTE(David83 @ May 4 2008, 06:29 PM)
After being redirected, an error said that the page is not found.
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i have no problems in login into the page.
actually it's the same page u login into ur CIMB bank lol...
vin_ann
post May 4 2008, 09:22 PM

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QUOTE(David83 @ May 4 2008, 08:45 PM)
I'm not talking about logging into CIMBClicks to view DA statement.

I'm taking about going to DA info page. I still get HTTP 404 Not Found error message upon clicking Direct Banking at CIMB Bank homepage.
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maybe they also merged the website.
vin_ann
post May 4 2008, 11:20 PM

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QUOTE(siutimtim @ May 4 2008, 11:09 PM)
Apply card and cancel after approve will make our record bad?Why never hear people say that.How they check record?My friend apply HLB card after approve cancel.Now apply after donno how many month after also can get de. hmm.gif
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my fren who is in CC sales told me that, in order for him to get the commission, the card must be active for 6 months. on 7th months u can cancel it.

he so crazy about his CC sales, keep asking me apply this card n that card.
ended, no card applied with him. haha

btw, u mean ur fren applying back HLB card? or other bank CC?
vin_ann
post May 5 2008, 10:09 PM

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QUOTE(tinkerbel @ May 5 2008, 01:37 PM)
@siutimtim,
Yes.  Citibank does send pre-approved credit cards to u.  Some are upgrades; which means the current card ur using will be deactivated when U start using that new card.  Some are basically additional cards.  As long as U do not activate the card and use it, the bank should not charge u anything.

I've had my Citibank Clear Card upgraded to a Gold Card several times of which I refused to accept.  Recently, they also sent me the pre-approved Citibank Shell card which I ignored; of which they called to check if I'd received the card and got a blasting from me *grins*

Let's hope they no longer send me anymore cards!
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i shd have learnt from you.
i got the pre-approved card, and yet the CS is too sweet, im lost to her. finally upgraded to gold card.

now also hardly use the card, just use for the online utilitise payment
vin_ann
post May 7 2008, 01:39 PM

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QUOTE(cute_boboi @ May 7 2008, 12:19 PM)
No worries  smile.gif  I do check CCRIS myself at Bank Negara (BNM) once every 1-2 years. All clear. It's free and I'm a bit scared about ppl misusing my name/ID to apply loans/etc.

Basically, a bank (any bank, not just Citibank) cannot simply blacklist a person in CCRIS. There must be sufficient proof/reason. I have lodge a complain with BNM before and created a big hoo-haa , yet they still offer me bank loan when I applied. It's not a local bank, some of you might have read it before in other threads  wink.gif

Bottomline, I don't see the threat from Citibank like you mentioned.  smile.gif

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how do you check urself at the Bank Negara? they got opened on Saturday??

btw, 2500 post is coming, who going to be the next TS?
vin_ann
post May 7 2008, 01:57 PM

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QUOTE(tinkerbel @ May 7 2008, 01:47 PM)
@vin_ann,
U can actually put in a request to obtain your credit report.  You can get more information at Learning about Credit Bureau | BNM Credit Bureau Website

A thread will be lock when its post count reaches 2500 is it?
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thanks you. is it got any charges on incurred for the report??

yes. once a thread reached 2500 post, the mod will lock it.

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