yup first card. i applied for the normal visa. they won't tell me why they rejected also. I don't have any other debts and am not black listed. should I try again with another bank or wait. Is it without ea form can still apply ka?

those univ graduate n currently working.. try opt for Direct Access CIMB Card.. mine salary is 2500.. but can get gold card..  8K credit limit..

Well ... you need to be earning RM80K per annum to qualify. Same as the CIMB Platinum.

---

Added on April 2, 2008, 8:19 pm

The bank will total up all your purchases and then credits the rebates. (Petronas related spendings gets more rebates up to a certain ceiling) So, you'll end up paying slightly less than what you have spent. To compensate, there's no points accumulation unlike most credit cards loyalty programme.

credit company always first time quite hard 1 ...

now give u example .. u can hv a gold card .. then u go apply a classic card from another bank dun mean 100% get approval 1 ...

me oso.. few mths after got my card fr maybank, this awek call me promo about membership + vacation + bla bla blaa.. what confused me was, this awek not really working for maybank.. but she has access to all my detail fr her pc while on conversation.. same happen after i got my DA cc..  how cud that happen eh??

Yes, they will know it's a sup card. The number on the card shows it..

Thanks for the info. That's what I think also, but I'm not 100% sure.

---

Added on April 4, 2008, 9:53 am

Agree. You want to know how, spend 1 hr in Bank Negara, ask for a personal CCRIS check. It's free.  They will print out the bank codes, loan amount, etc. and ask you whether you have loan/credit in x, y, z banks. This is for them to audit whether you have un-authorised cards/loans that you are not aware by looking at your facial and gesture.

After that, they will give you the few pages printout for your own reference.    Remember to bring your MyKad for verification purpose.

At the same time, you can bring all those RM1 coins and old/torn/half notes to exchange new ones.

you taiko different.... try spending 20k they would definitely increase another 20k for you provided you pay within the 20 days period. before this you paid up the 5k within that period right?

anyone knows roughly what's the credit limit for citibank gold card?

Hi every one ...just found this 

effective 1 July 2008, Citibank will introduce a new Tiered Interest Rate Structure on retail purchases in line with the latest guidelines by Bank Negara Malaysia.

CC card limit depends on the individual credit worthiness and not necessary the type of card i.e. normal or gold or plat. If you maintain a good record and depending on your spending pattern, all banks will increase your CC limit as time goes by.

I have on two occasions rejected citibank preapproved Gold Card as i do not find any significant benefits compared to my Citibank Clear Card. Initially my Citibank Clear Card limit was only RM7K and now it is RM22K and that is not including an additional RM7K for installment plan.

Another example is of CC does not depend on type of card is when i got my RHB Evo CC (normal CC card not even Gold) last year i was shocked that the limit is RM40K.

I only go for cards that give me free annual fee waiver and don't really care for credit limit since i cannot even afford to max out any single one of my many CC.

I too was shocked that RHB gave me RM40K limit for Evo which is even higher than my DA Plat but not higher than my other Plat cards. As i mentioned limit depends on one's credit worthiness.

The reason why i have a Evo is because the RHB teller asked me for a favour to fill in the application form and since it is free as long i use it once a month, i said ok. All i did was signed on the form, attached my name card and the teller photostated my other CC and she filled in the rest. No idea what she filled in, hahaha

Lets just say i am an uncle with a long credit history, my first local CC was from UOB and it was a Gold Card when i first started working back in the early 90's.

As i mentoned, my lowest credit limit now is my Citibank Clear card at RM22K and the initially limit was only RM7K few years back when i 1st got the card.

just as what babylabbit said "u must have good credit history.........wait long long...it will come...",  and one day siutimtim, your normal CC limit may even be higher than RM40K.

as long as no annual fee, which cc would you recommend? i'm not a heavy user, just around 3k a month . btw, if used it as installment, will it be counted as a swipe?

what requirement should i have to apply for maybank petronas visa? right now i only use public bank for 1 year and eon bank for few month only. and its only normal visa card with credit limit 3k only

Yalo...i oso wanna know. Coz i now applying both HSBC and UOB coz i'm need of using the cc........but likely would end up using only fr one bank only, easier to keep track.

if i din cancel it, will the bank call me or wat? those annual fees waiver i still need to pay?? especially those req to swipe min X times to waive

cc got any free look period.....like cancellation without any charges imposed??

I think u can cancel ur cc anytime as u want... as statment above i pretty sure person that answer u tried to keep u for-----giving commision to the

sales person whom handle ( applied for u ) ur case...
they cant earn any cents if u dont use / cancel that card immediately....

is HSBC CC good?
thinking now if should go for petronas maybank CC or HSBC....
HSBC is generally more accepted everywhere right?

but i see now...usually not much problem for any CC to be accepted anywhere...

er.. i could check mine when it's approved. Took around 1 week+ - 2 weeks