I got. Any problem with that?

I've send my application 2nd of April...till today no news...called them last week..they asked me to call back end of this week...sheeesshh!

@Dyong,
The cards I received from Citibank aren't on a combined limit; they each have separate individual limits.

I don't like the idea of keeping too many credit cards or having a super thick wallet hence the thought of cancelling the additional HSBC Visa card of mine.

i read in time magazine several months ago.. that the credit card craze is sweeping into china. an interesting take was that, some of those youngsters actually believe that their asset just swell with their credit limit..

they felt that if the credit limit is 10k, then they're 10k richer.. i'm not sure how much of branding/marketing creates such relation. it's a scary thought.

i still remember how i barked and negotiated downward my credit limit upon first sighting them. the person on the other end of the phone had to repeat back what he heard in case he misheard me..

credit card is an unsecure loan product and it offers the fattest margin on the retail side of banks today (correct me if i'm wrong)..

freebies/zipp/incentives/rebates/etc have it's way of being equalized from other less noticeable transactions/fees..

if i were you, i'd aim for a lower cost structure to protect myself. although it might be less colorful in terms of features and offers, but at the end of the day, i'd prefer to keep my earn more than to part them off to the plastics..

OMG ... this is very dangerous and marketing tactic (if they really use this point).

Well .... I'd agree this a very dangerous marketing tactic. But it's both way, you need to identify that credit limit is not money that you already earned and marketers need to be more responsible when selling the cards.

@hye,
I think we as individuals need to be responsible and mature before we start splurging on the plastics. As much as I agree with u on the negative effects, I must say the plastic has been quite useful in my life.

I do have friends who refuses to use or obtain a credit card for fear of overspending and prefer to go cash. Whichever the way, find one that works best for u.

Anyone apply Citibank CC via online(with the call me application type)?

how long only they will response to u?so they come to your place to collect everything?

They'll respond will fast one. My last experience was within one or two working days.

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

anyone here using DA and only remain either Visa/Mastercard only?

What's the question again ... only understand half of it.

i did..

and they respond to it very quickly..

i applied it on sunday an they called me just now.. CS standard verification question..

then she said, tomorrow his boy will come over to pick those required documents..

in a way, very effective.. no need to wait for me to fax it over..

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Added on May 5, 2008, 11:43 pmi think he asked anybody here hold DA CC, but only keep 1 of them (either visa or master)

whats the prob man of keeping both, u wont be charged either right ??


This post has been edited by Sawamura: May 5 2008, 11:43 PM

Sorry for my unclear question.

For DA by default they will give us both Master and Visa. What I would like to know if we can cancel Visa only? I asked their CS and they say not possible??

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Added on May 5, 2008, 11:49 pmWell I don like to have too many cards in my wallet, want to slim down my wallet. And I feel putting CC home is not so safe too...

This post has been edited by Shinichi: May 5 2008, 11:49 PM

why u want to cancel it.. just keep it laa bro..

in case u cant use Visa, at least u hav Master with u right ??

i dont see any problem with that..

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Added on May 6, 2008, 12:00 amdefinately DA wont do the cancellation..

well.. if u insist.. u may cut ur Master credit card and keep the other one..

This post has been edited by Sawamura: May 6 2008, 12:00 AM

Hmmm actually I want to cancel my DA Visa as I already have 2 Debit Visas. Somemore CIMB they focus more on Master than Visa. So I feel DA Visa is useless (at least for me).

Well ... if I were you I'll terminate the Debit Visas (can't earn points on them right) and use a credit card based VISA. Personally I won't keep 2 cards from the same bank (even if it's separate credit limit and for redundancy purposes better to have card from another bank) and I think DA allows termination of one of the card. At least that is what I was made to understand when I applied for it back then.

Hmmm then I'll go CIMB bank and check with them if its possible to cancel DA Visa.

Ya I feel its better to take cards from different banks. Thats why I want to cancel my DA Visa as I already have 2 Visas from other banks.

Thanks.

hey guys..i just wanna ask 1 question about this credit card..let say my basic salary around RM1200, can i apply for the credit card ? which bank easier ?

Thanks..

I only applied for CIMB DA Mastercard.