Any specific reason why are you suggesting him to get VISA instead of Mastercard ? All the countries i've been to accept both VISA and Mastercard. But AMEX is still the best


My mom's only took a week. Anyway, she is a government servant. I guess that is why it is easier for her. For Maybank, i am not so sure. They never called my mom and just couriered the card to my mom's office when it's been approved. The whole process took almost a month.


Do you have bad payment history ? Bad loan may be ? May be you should try local bank.

This post has been edited by hye: May 1 2008, 01:45 PM

i never apply cc before, prev was using supplementary fr my parents, likely payment was good as i already been using it 3 yrs ady, currently even receive new card fr AMEX but is still sup fr my parents la. car loan or house loan or even PTPN loan......i dun even need it.

currently i just only wanted to have my very own card.......another thing is i'll be going oversea later and overthere they mostly use VISA. guess that they dun wan this potential customer......

Seriously if i really were blacklisted....... ...........speechless.

This post has been edited by candy_chl: May 1 2008, 02:09 PM

Perhaps, did u ever lost ur IC or Driving Licence ? Have u ever be a guarantor ? It is weird when a fresh degree holder with stable job ( plus clean credit record ) would be rejected.

This post has been edited by yks8845: May 1 2008, 02:58 PM

Yes, I agree. It's rather weird but not to jump to conclusions, just make that check at Bank Negara.

I know a friend who had a similar problem - clean record, no debt and suddenly when want to make loan/credit card application was rejected by every bank. Finally, one bank mentioned that the name was blacklisted in FIS/CTOS due to someone failed to make payment many years back and the bank proceeded to blacklist the borrower and guarantors. This friend was the guarantor and unknowingly got blacklisted for something he/she did not do. (I think it's unfair to the guarantor)

This post has been edited by hye: May 1 2008, 02:46 PM

candy_chl:
if ur application is not submitted, hsbc online tracker will display that it is unable to track your application.

if ur application is submitted and being processed, it will mention that's under review

if ur application is approved, it will mention that it is sending your cc to your shortly.

they will call u to verify that u are working at ur working place before they start process your application. if they havent call u at ur work place yet, chances are that ur application has not even been submitted yet.

nvm just saw your reply. HSBC is pretty strict on cc application. maybe you have an ongoing application for homeloan or car loan (or something which parents put under ur name?).

otherwise just go for the local bank's credit cards, if ur starting salary is high enough, u can even get gold card straight.

This post has been edited by SnoWFisH: May 1 2008, 03:02 PM

hi guys, i guess someone probably have already stated this problem in this 116 pages thread. But really hope u guys can help me out irregardless. I have a public bank account, and my salaries are all banked into the public bank account. recently I've just got myself a citibank visa gold shell card.

The problem now is that I live in Perak. The KL or Pg citibank branhes are too far for me to reach conviniently. I tried using public bank online banking for paying off my citibank credit card and I just can't seem to get it to work! As I don't seem to be able to find the options for paying to 3rd party credit card. Same goes with the Public Bank ATM machine.

I'm not sure if it's just my ignorance or just something that i missed out looking at the ATM or online banking. So I hope that any of u guys out there could enlighten me regarding this problem. Thanks guys

This post has been edited by metsatsu: May 1 2008, 04:04 PM

The Interest Free Period for retail transactions will be 20 days from the statement date and is applicable only for cardmember who pay in full on or

before the payment due date. If cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated

from the day the transactions are posted to the card account.


copied from citibank term & condition


I think Retail transactions exclude Cash Advance, Balance Transfer and any other credit plans.

This post has been edited by yks8845: May 1 2008, 04:36 PM

metsatsu:
i think u can do a normal IBG fund transfer to your citibank account. i never tried that before, but it should work. u need to pay extra fee for a IBG transaction though (RM1 maybe?)

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.

Guys.... Banks and Cards are making our money....

We should make money back from them!

How?

haha... I am doing that... I bought Visa Stock @ USD6x.xx .. now is USD8x.xx

And will go up to at least USD200 like MasterCard Stock!

Open a brokerage account @ US, TT money there and a few click, you are a shareholder of Visa

To read more, here >
http://investmentaction.blogspot.com/2008/...ard-ipo-39.html

Guys,

Are the below 2 card free for life with no condition ie minimum monthly spend etc???

(1)Maybank VISA Petronas
(2)CIMB MASTERCARD Petronas

Also what is the general condition to get approval? Salary must more that RMXXXX since it is gold?

walaoeh....u apply so many cards at one short ar???

same as maybank, u may add/remove others bank issued credit card in maybank2u and make payment to some utilities bills

Does anybody get their annual fee waived forever or u need to call up to their customer service to ask for it every year???what would you do if you would like to have your annual fee waived???threaten to cancel the card??or what?

Generally whichever tactic you use, it'll work if the bank feels that you have been spending actively or a huge spender but more importantly being able to post payments promptly and to use your credit limit wisely.

This post has been edited by hye: May 1 2008, 10:35 PM

CIMB MASTERCARD Petronas comes with Silver too with lower salary requirement compared its GOLD.

I don't have problem with it but then why did MBB charge me annual fee and when I asked for annual fee to be waived, they said they will credit back to me on the next month statement. That time was January and until this month statement, I don't see any amount credit into my statement. they bluff me ar???how to sue them ar?can ar?

Your information correct or not de ? My status is reviewing but they no call me or office also. Now 3 weeks already still same status. Call cs say same thing also... hsbc work even slower than uob

Try to make another follow-up on the matter. They probably did not process your annual fee waiver - if still no answer just terminate your card. Maybe that'll attract their attention and maybe it'll not.

Just don't get upset and just apply another card before canceling MBB's. I can tell ya that service level fluctuates in a bank - some days they are good and some days they are not. This applies to both local and international banks. Remember the credit card market is competitive these days - you don't have to worry about getting another credit card if you are not happy with your current one.

---

Added on May 1, 2008, 11:51 pmI just remembered something ... if you apply HSBC card, make sure you do not have 2 pending approval application from other banks. HSBC can see this information when they do their checking on an individual. If such a scenario occurs, HSBC's policy is to reject your application irrespective you are a potential "to be" approved customer. (Means you have no problems and under normal circumstances, your application stands to be approved)

This post has been edited by hye: May 1 2008, 11:52 PM