nah....never lost anything before. guarantor oso never. guess that citi and hsbc was too strict gua. but today i called to check on my DA card and it's approved already. will be sending to me by next wk, at least i dun hav 2 go to the bank negara trip juz to check whether i'm blacklisted.

i'm going oversea next fri ady.....i need a visa card......dat's y i'm desperately needing the card urgently. Didn't know citi and hsbc took so much trouble

Ic.....guess that could be one of their reason for decline my application. but anyway, they could be the one losing out as i plan to do a lot of shopping with my new cc card.

Does anyone have idea on this ? my friend went to oversea for 2 month , before he left he didt notice he had credit card outstanding balance around rm40.( so he didt make any payment for around 2 and half month),

Now he is back and found that his card was blocked. He clear up his payment today.

Does it mean that his card would block permanent or temporary only ?

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Added on May 2, 2008, 9:08 pmyou will not be a "good" customer for them if u pay in full amount every month without given them charges to changes u interest

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Added on May 2, 2008, 9:11 pmi think citibank in malaysia didt offer amex credit card

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Added on May 2, 2008, 9:25 pmOne more thing -- do we needed to curtain off our credit card CCV / CV number ( 3 digit )

This post has been edited by yks8845: May 2 2008, 09:25 PM

i have used the master for 2% under direct access....but havent deduct yet from wat i see in the online statement...maybe it will minus on statement date...

@candy_chl,
I'm actually surprised U had so much issues with HSBC. It took them less than 5 working days to send it out; I put in an application last Thursday evening and received the card via courier this morning.

pocket watch is rm 300 within the first two months according to the website...

i dint know DA is also eligible for the 2 % rebate at petronas o.O. aiyah i have a DA master cc (which i got from southern bank ages ago). and i keep using cash to pay.

wah,why your so fast.I wait 3 week already today only they call me verify.

Do they call you verify?Is the credit limit higher your other credit card or same?

Emmm...I seriously don't understand and don't bother about credit limit given by bank....what's the point?!Some of you will spend until that much in a month???

yah.i buy one notebook finish already.that day hsbc one offer me 30% higher credit

the 2% is deducted monthly?

credit limit might not mean much, but let's put it this way

Dad issued a supp cc to his so that he can use it when there's emergency, but he's afraid that he will mis-use / lose it. so he put a RM 50 monthly limit on his kid's cc.

And another scenario, u saw a laptop on dell's website and u need to buy it, later u realise that ur cc limit is short of a few hundred ringgit and the online offer will only last a few more hours.

childish examples but oh well u get the picture .

emmm....I tot if buying notebook, better use cash to get cheaper price. Vendor will charge processing fee and so if you use credit to purchase...iszit ??

I am no clever but I also donnu what you talk about.Where got credit RM50

if u buy notebooks online, i dont think there are many vendors that actually offer you direct debit from bank acc.

another more serious scenario, what if u get into an accident and need to deposit money immediately to get some urgent treatment at the hospital, and u just cant wait for ur medical card to be checked and approved? sometimes the "downpayment" is quite high and it'll be a letdown if the limit isnt high enough.

siutimtim: just an example la . anwyay, u seen my point lo. the kid will think "WTH can rm 50 buy??? lol
*still recovering from insomnia.

anyway, anyway can answer me about the 2% petrol rebate using da cc? i thought it only apply to co brand cimb cc.

This post has been edited by SnoWFisH: May 2 2008, 11:20 PM

Emmm....I get what u mean as I see it quite useful for emergency also bcoz all along I don't spend that much and yet bank giving me 40k credit limit.....

I used my credit card to buy laptop online from Dell. They have installament programme too.

and i can see why you are not so bothered by the credit limit . mine is pathetically low compared to yours.

must spend RM300 minimum

wah.. rm40k credit? you put fix deposit in the bank? my only rm4k

Secured credit cards you mean?

btw i just noticed citibank's credit card thingy, rm799 laptop promotion..

any conditions etc? juz apply n entitled to get the rm799 price?