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 CREDIT Card Thread v2, Everything about the world of plastic

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ronnie
post Mar 5 2008, 12:55 PM

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QUOTE(siutimtim @ Mar 5 2008, 10:23 AM)
I have asked around my friend earn only around 2k but bank automatic upgrade his card to gold.. so I am thinking will they also auto upgrade to platinum after you  have gold.

buy 1 free 1 not for all ticket ?
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Your thinking is not correct.....

Annual income for Gold card : RM48,000 per annum
Annual income for Platinum card : RM100,000 per annum

Not many people have RM100k per annum...else Platinum card won't be EXCLUSIVE lah.
ronnie
post Mar 5 2008, 04:46 PM

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Why they lower the entry level for Gold card is to ensure they have more customers owe them money smile.gif
ronnie
post Mar 7 2008, 08:56 AM

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QUOTE(jasontoh @ Mar 6 2008, 11:35 PM)
I still dunno why people like plat card when they cannot afford to spend so much. I rather stick to gold card at the moment
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totally agree....

One question I have on Platinum Card holders

Will Platinum cardholders enjoy same discount/rebate as Classic/Gold carholders + additional exclusive offers, right ?

Added on March 7, 2008, 8:58 am
QUOTE(siutimtim @ Mar 7 2008, 12:19 AM)
wat about uob plat ? is it easy to get ??

p.s : i wan my bf to have plat card because he has gold card now..  tongue.gif
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Just apply and tell us if it's easy to obtain a UOB platinum card.

Added on March 7, 2008, 8:59 am
QUOTE(dzi921 @ Mar 6 2008, 11:40 PM)
For me easy, my insurance itself is RM10k pa liao
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that's a very huge coverage to pay RM10,000 per year for insurance premiums smile.gif


This post has been edited by ronnie: Mar 7 2008, 08:59 AM
ronnie
post Mar 7 2008, 11:48 AM

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so UOB ONE Platinum is not a really a Platinum-class Credit Card, right ?
ronnie
post Mar 7 2008, 12:17 PM

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I only use Ikea Alliance credit card only for their 24-month interest free installment
ronnie
post Mar 7 2008, 03:16 PM

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How low was the credit limit ?
ronnie
post Mar 11 2008, 03:46 PM

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QUOTE(jasondotcom @ Mar 11 2008, 03:14 PM)
i have been using Cimb Credit Card since mid february 2008 till today. But i have not received any statement on my usage?

how come ah? any ideas?

Cuz i just cleared my debt without seeing the statement, by checking the amount using the ATM machine.

Please advise...
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Mid Feb = 15 Feb 2008...today is also mid March
So just wait or else you can call the CIMB customer care line to verify
ronnie
post Mar 12 2008, 08:09 AM

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I also send fax to cancel the Credit Shield... useless if you pay promptly. They even refunded my first payment also.
ronnie
post Mar 14 2008, 09:11 AM

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QUOTE(David83 @ Mar 14 2008, 09:09 AM)
I called again and asked for the reason behind the reject. They said that my card is new and less than a year. Crap!

I can increase my credit limit for my HSBC last time even though the card is new (roughly 6 to 9 months old).
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Then just request for increase in credit limit after 1 year of usage. I think the banks need to see your spending habits before increasing your credit limit.
Higher credit limits may lead to higher debt..so be careful
ronnie
post Mar 14 2008, 09:45 AM

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I think they can please everyone who ask for INCREASE in Credit Limit, right ? They worried about not able to collect the debts.
ronnie
post Mar 14 2008, 09:56 AM

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You also need the PIN for your credit card to start using the ATM first
ronnie
post Mar 14 2008, 10:09 AM

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QUOTE(HMMaster @ Mar 14 2008, 10:00 AM)
I already have account at cimbclicks. Do I need to register a new account for credit card? Anyway to add the credit card into my existing account?
Yeah...I have the pin for credit card and internet.
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You can link both the accounts into CIMBClicks.
Mine was added together since SBB days... Maybe you can call CIMBclicks to enquire
ronnie
post Mar 14 2008, 10:49 AM

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So if you always pay in full, the increase of limit should be given OK easily ?
ronnie
post Mar 14 2008, 03:40 PM

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QUOTE(HMMaster @ Mar 14 2008, 03:34 PM)
Anyone that know the new flexi payment plan by CIMB??? Cant find the info at their website. The plan is like this: they'll charge you a one time interest. after that, you dont need to pay any interest for your installment.
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Similar to the previous Easy Payment Plan by direct Access
ronnie
post Mar 14 2008, 05:08 PM

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QUOTE(l3iTi @ Mar 14 2008, 04:57 PM)
Anyone going to change existing Maybank ATM Card to Visa Debit ?? hmm.gif
My ATM card already got crack de...but still able to use lar...just waiting for it to be totally break...haha...
But i dun like Debit Card  rclxub.gif
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Mine also peeling... will upgrade to the new one after it breaks down..
Since the Visa Debit card is free renewal every 7 years... so why not ?
ronnie
post Mar 14 2008, 05:16 PM

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QUOTE(WaCKy-Angel @ Mar 14 2008, 05:11 PM)
Just extra feature only, and limited edition card now if u apply fast.
Im going to change it since my company paying for the RM12 tongue.gif
what u mean?
why need renewal?
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Please read the FAQ on the Maybank Visa Debit card.

"The new debit card is valid for a 7-year period and is issued free upon renewal"

Maybank should remove the limitation of 4 FREE withdrawals in a month for this Visa Debit Card

This post has been edited by ronnie: Mar 15 2008, 10:43 AM
ronnie
post Mar 15 2008, 10:43 AM

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@Shinichi... What I meant was to take away the limitation of 4 FREE withdrawals monthly.
ronnie
post Mar 15 2008, 10:44 AM

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QUOTE(Shinichi @ Mar 14 2008, 08:15 PM)
I did mine today. They say if go back to the branch where I opened account, can change from ATM card to debit card free of charge. But I not sure if this is true or not...
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Can anyone confirm these ?
I wonder can I do it at the Maybank Card Centre in 1Utama for FREE.
ronnie
post Mar 17 2008, 11:10 AM

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HSBC platinum is not low class... those who can afford it don't need to show off their platinum card lah. You think like Mr Bean meh ?
ronnie
post Mar 17 2008, 03:33 PM

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QUOTE(siutimtim @ Mar 17 2008, 02:57 PM)
my platinum card is approved !!!!!!!!!!!!!!!!!!! ONE Platinum only rclxms.gif  but credit limit is only RM4000

consider high or low ?

anyone mind to share their card type, bank and credit limit ???
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congrats now you can show off "not-so-real" platinum card hehehe with RM4k limit
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