if u have own the card for more than 1 year, can use card to apply card, just need the photo copy of the card can liao....

Using this method will be very slow.

I was suprised... my citibank agent who helped me applying the citibank credit card called me yesterday... he said my application is still under processing. that time when i called in to check the application, the hotline support told me that my application was rejected... i think she had made the mistake that she was referring to the application that i submitted in Aug... which i cancelled it before the outcome was out...

haha.. so still got chance for my citibank credit card application... hopefully it will be successful though it has been more than 1 & 1/2 mths for my application...

i heard ppl said for HSBC credit card, in the case of fraud, if u do not report earlier than the fraud, u die die will need to pay the fraud, is this true?

I got rejected by citibank too.

Hi all, want to ask will the bank charge me if I cancel their credit card?

Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case.

Can someone answer my question?

That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies

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Added on January 5, 2008, 11:49 amI've never heard of such case, to own a classic and a gold for the same card in the same bank. Why would you want to do that? You could ask them to downgrade your card for lower annual fees.

This post has been edited by myusername: Jan 5 2008, 11:49 AM

Oh really? If my card is lost/stolen, they'll do the above. Free replacement card plus the above will be amazing.

hey, I heard RHB or Hong Leong bank credit cards are only 6.X% interest per annum? Why is it so much less compared to our usual 18% per annum?

nope, i want to keep both amex bcoz it got 2x points. Not bcoz of lower annual fees.
and i want to have two card because 1 for none my usage(house utilitis bill, shopping grocesseries & etc) and another one for my own usage.

This post has been edited by ychwang: Jan 5 2008, 11:59 AM

Thanks for the feedbacks.

I've paid all my outstanding balance then cancelled the card. They gave me a photocopy CC cancellation form. So I'll keep it as prove of my cancellation. And hopefully the bank will never contact me for anything relate to $$

How long you take to cancel the card? Did you need to bring any documents?

good backup measure to back u up.

For me, I went to the counter, payed my outstanding balance and told them I want to cancel my card. They gave me form to fill in, then they punched holes on the chip and magnetic stripe of the CC, and photocopy the completed form with the card on top.

Better be safe than sorry.

how come so hassle ? ? ?

i remember last time when im cancel my PBB card, i just fill in the letter. tht's all. they never request for the card... hehe...

For citibank, just call them up and they cancel via phone.

Hmmm I not sure, but I feel its better I pass them the card and let them cut the card in front of me

Hi sorry man, because i'm working in singapore and only gotta come back m'sia during public holidays/weekends, where banks are close...

what cards give points when you use them at petrol stations? I only know Citibank's Shell card and RHB. Anything else?