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 CREDIT Card Thread v2, Everything about the world of plastic

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cute_boboi
post Mar 10 2008, 02:38 PM

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QUOTE(dzi921 @ Mar 7 2008, 11:42 PM)
If you have any gold card with credit limit RM20k, standard chartert will give you plat

Added on March 7, 2008, 11:43 pmI think in 2 to 3 years time... Plat will be like Gold now. Everyone got one
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StanChart rejected me wink.gif

This post has been edited by cute_boboi: Mar 10 2008, 02:39 PM
cute_boboi
post Mar 10 2008, 04:19 PM

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QUOTE(dzi921 @ Mar 10 2008, 02:57 PM)
That info is from the same sales man that told me standard chart plat is free for life

So my guess his info is wrong, and he is desperate to get people to sign up only
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LOL... laugh.gif

cute_boboi
post Mar 11 2008, 09:57 AM

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QUOTE(arsenal @ Mar 11 2008, 07:43 AM)
maybank AMEX how much the annual fee??thanks...
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http://www.maybank2u.com.my/consumer/onlin...kcc_about.shtml

Single card:
classic: rm60
gold: rm130

multiple cards:
classic: rm90
gold: rm195
cute_boboi
post Mar 11 2008, 11:02 AM

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QUOTE(saimatkong @ Mar 11 2008, 10:54 AM)
hey, wat do u all think of this ?

Citibank Credit Shield Plus to care for you.
 
» Click to show Spoiler - click again to hide... «

Is is worth or it's useless?
Btw, if a person die, his family members need to bare the debts of the credit card? I tot no right?
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It depends on individuals. It is useful for those who don't pay full amount, and have huge debt, in case they get sick or disabled, they don't need to worry about cannot work to get salary to pay CC debts.

For me, it is useless, as I pay in full every month, and I set aside some $ for my current month expenditure bills.

IINM, debt is individual, they cannot chase your parents/wife/children... unless you borrow from Ah Long.
cute_boboi
post Mar 17 2008, 04:44 PM

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QUOTE(eprince @ Mar 13 2008, 02:58 PM)
i plan to get CC for petrol as main expenses...

anyone can suggest me which 1 better?
between maybank petronas/ standard chacted bhp / citibank shell?
how the comparison between these card?
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I use Mobil/Esso.

Get Amex. You get 2x CC points forever and 1x-1.5x Smiles points (depending on promotion)

Using Visa/Mastercard, you don't get any CC points (except during promotion period), just 1x-1.5x Smiles points (depending on promotion)
cute_boboi
post Mar 26 2008, 10:13 AM

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QUOTE(danlhct @ Mar 26 2008, 12:39 AM)
I'm not sure about the Maybank Petronas cc. But last year I applied for Maybank Visa Gold, it takes a month for processing from the day you submit the application form. Almost every bank will send out the letter to the customer should the card gets approved or declined.
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Not StanChart tongue.gif They didn't send out letter and I have to check by calling the hotline number.
cute_boboi
post Mar 28 2008, 12:13 PM

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QUOTE(siutimtim @ Mar 28 2008, 09:47 AM)
Anyone know how frequent our CCRIS is updated by the bank ?
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All banks need to update BNM at least once every month, which includes the CCRIS.

Added on March 28, 2008, 12:19 pm
QUOTE(David83 @ Mar 27 2008, 10:59 PM)
I don't carry that around me. I leave at the house last time when there's a need to access the online accounts.

I saw some of my colleagues carry that around with badge ties (the one you hang your badge round the neck).
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I have HSBC PV only, with that device + cheque book. I keep the device in locked drawer and used once every month to login:
1) Check balance from salary.
2) Write a cheque to transfer all money to Maybank/StanChart.

Why ?
1) My travel pattern and locations are not HSBC friendly/convenient. MBB ATM is everywhere.
2) My CC are consolidated to MBB as well, with Citibank as backup.
3) I can login M2u without carrying that device around to check/audit my own account from time to time. Although M2u security is a concern, I have been using M2u since Sep 2000 (8 yrs) and no problem at all, so far... touch wood.

I use MBB Amex CC as much as possible, as it is 2x TP forever, including petrol.

BTW, side track, what is the minimum balance in HSBC PV to waive the monthly rm5 fee ?


This post has been edited by cute_boboi: Mar 28 2008, 12:19 PM
cute_boboi
post Mar 28 2008, 12:22 PM

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QUOTE(hye @ Mar 28 2008, 12:20 PM)
Anyone here has an AEON credit card ?

I used to have this card but I canceled it after 2 months of use. I made payment and they said they didn't receive my payment although I furnish them with proof of bank transfer. This went on for 2 months and I gave up and just cancel the card - I can't believe they have a bad system in tracking down customer's payment. Apparently several of my friends had similar experience as well so I felt good canceling the card. It's perhaps the shortest time I use a credit card from an institution - normally I'll use it at least for 1 year before considering to continue or cancel.

AEON credit card is the only non-financial institution to issue credit card in Malaysia if I'm not mistaken. Customers need to bank-in their credit card payments to bank accounts.
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Nope, tempted to apply for 2x Jusco points. tongue.gif

But MBB Amex CC + Jusco card = 2x TP + 1x Jusco points

"counting dead grass"
tongue.gif

cute_boboi
post Mar 28 2008, 03:04 PM

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QUOTE(JamesPond @ Mar 28 2008, 02:48 PM)
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?
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No worries. I got rejected too many times... sweat.gif currently not a high spender anymore due to change in job nature. Hence I don't need that many backup CC and too high credit limit.

cute_boboi
post Mar 30 2008, 02:17 PM

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I notice the new MBB Visa Flex card now comes with Visa Wave.
cute_boboi
post Mar 31 2008, 04:23 PM

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The new American Express Platinum Credit Card minimum income p.a. : RM130,000 sweat.gif

cute_boboi
post Apr 3 2008, 10:32 AM

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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 ?
hmm.gif

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 ?
rclxub.gif

cute_boboi
post Apr 3 2008, 06:13 PM

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QUOTE(cute_boboi @ Apr 3 2008, 10:32 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 ?
hmm.gif

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 ?
rclxub.gif
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Anyone can answer the above ? rclxub.gif

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. mad.gif vmad.gif

cute_boboi
post Apr 3 2008, 06:37 PM

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QUOTE(cody99 @ Apr 3 2008, 06:26 PM)
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.
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Based on the rough statistics... the most tele-sales I received are:
1) Citibank (at least once a month)
2) StanChart
3) HSBC (apply this week, next week got tele-marketer call) doh.gif

No offense to the names above, but that's the reality to me. My main usage of a/c and CC are Maybank, yet I receive very minimal marketing/calls from them. Maybe MBB is not aggressive...

The others are free hotel/hospital checkup tele-sales, not sure where they get the info.
cute_boboi
post Apr 4 2008, 09:48 AM

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QUOTE(babylabbit @ Apr 3 2008, 07:53 PM)
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......
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Thanks for the info. That's what I think also, but I'm not 100% sure.
sweat.gif

Added on April 4, 2008, 9:53 am
QUOTE(babylabbit @ Apr 4 2008, 12:27 AM)
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
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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. thumbup.gif 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.


This post has been edited by cute_boboi: Apr 4 2008, 09:53 AM
cute_boboi
post Apr 4 2008, 11:36 PM

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QUOTE(kelempap @ Apr 4 2008, 11:12 PM)
AMEX got a annual fees or not..?
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MBB Amex
Classic: rm60 smile.gif
Gold: rm130 rolleyes.gif
Platinum: rm800 sweat.gif

http://www.maybank2u.com.my/consumer/onlin...kcc_about.shtml
cute_boboi
post Apr 5 2008, 08:07 PM

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QUOTE(yewkhuay @ Apr 5 2008, 08:00 PM)
i tot got 2-3yrs annual fees waiver ?
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Previously MBB Amex credit card classic & gold has 2 yrs waiver. Not sure about now.
I heard no waiver for the newly launched Platinum.

cute_boboi
post Apr 13 2008, 08:00 PM

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QUOTE(guanteik @ Apr 13 2008, 07:51 PM)
Anyone has tried using Amex for petrol? If yes, what petrol brand accepts this carD?
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I also use MBB Amex credit card in Mobil and sometimes Shell. Confirm RM1 = 2x treatpoints

RM70 petrol
= 140 treatpoints AND 70 Smiles point (Esso/Mobil)
rclxms.gif


cute_boboi
post Apr 14 2008, 03:06 PM

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That day @PC Fair, the Maybank approached me for Petronas Visa free for life.

I asked them, I'm an existing MBB CC holder, I'm interested on MBB Petronas Visa CC, can I still apply for it ? The fellow looked lost interest... and ask me to go personally to MBB branch to enquire. doh.gif


cute_boboi
post Apr 15 2008, 09:54 AM

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QUOTE(David83 @ Apr 14 2008, 05:32 PM)
Few more days. Don't worry.
You can still apply. I'm owning two CC from MBB.
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Are you sure ? Confirm ? As I encounter the same thing with another MBB CC salesgirl in shopping complex several weeks ago, saying the EXACT "pls go personally to counter and enquire".
rclxub.gif

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