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..

This post has been edited by fikrie: Apr 2 2008, 03:57 PM

I'd suggest HSBC.. quick response.. but dunno whether they can process quick.. If you good lucky, certain sales agent might try to get you Gold card.. with 10k credit limit.. I've experienced this once, but i didnt go for it coz already got 2 card.. Nnt byk hutang woo.. may get default and go bankrupt!

This post has been edited by fikrie: Apr 3 2008, 10:01 AM

try la with different bank.. one way another ur application might get approved somehow, unless u got bad credit history.. i once applied for citibank, got rejected probably coz i didnt pay celcom bill dat time.. then applied for maybank.. 3 weeks later got my card.. it depends la..

if u wish to apply loan, most banks will need the applicant be employed at least one year, then they may consider.. if you work private, then the requirements may get a bit extensive compared to those work with govt..

whether u need cc or loan, depends on your need ofcoz.. if u like to shop online, or just small thing.. can apply cc.. if u wanna buy somtin big, loan is ok.. most important, u could afford to pay it later.. dont go for along dah la..

i guess others have better advice than me..

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??

it's juz a matter of time before the calling start coming in.. i wonder how u'd counter these calls.. hehe..

your credit limit take into account both retail purchases n cash advance.. but i suggest dont take too much cash advance.. unlike retail purchase.. the interest is charged starting the day you withdraw the cash.. same like amex.. on the other hand, there's also a fixed cash advance fee if you fund or make online transaction using moneybookers (linked to your cc).. Maybank charge RM 10.. dunno how much the charges for other banks..

sounds like personal loan.. like wat pos malaysia offers.. maybe the term they use, instead of using personal loan.. cash on call sounds more promising.. and convincing.. but the rate really high la.. bsn, bank rakyat range btw 5-6% oni.. Alrajhi bank 8%.. but process quick!

do i sound more like bank sales agent ??

This post has been edited by fikrie: Apr 4 2008, 05:29 PM

call the hotline and ask them when it will be delivered.. o'wise, juz wait n the branch where u applied the card will send letter for collection.. when i applied last time, i called to know about the status.. once i know it's approved, i ask them when the card will be ready.. coz it was kinda urgent that time, then i told them i wanna collect the card fr Maybank HQ in KL.. Later on i collected the card fr the HQ, the next day i travelled using the card..

Normally take not more than 1 week for approval, then few days for processing the card.. take another few days to be delivered to the branch where the applicant wishes to collect.. then one or two days later u'll get the letter asking collection..

This post has been edited by fikrie: Apr 6 2008, 03:56 PM

it's simple..

For ezypayment, normally 500 purchase and above could get 6 months installment, 1k entitle for 12 months.. 2k for 24.. if buy online, you would get the stated price.. but if u buy fr any shop other than major or official store for that particular item.. they might charge u extra 2.5% of total amount.. .. A'way, if u happen to buy online, once the order is confirmed, they will email you transaction no or ID and later on call you to confirm your purchase and your credit card no.. They will notify you the approval by email or call few days later.. might take a week two for delivery depends on item you intend to buy plus the stock available.. Then, the next month you'll notice in your cc statement the installment amount based on the terms you pick.. If you buy somthin which cost 2k n u choose 24 months tenure.. then u'll see an amount of 167 being charged to ur cc every month for the next 24 months..

For more info, juz call their hotline.. either maybank or the brand u wanna buy.. Also, in some cases, u would also being offered by maybank via brochure which come along with your cc monthly statement, offering this and that at a discounted price with hard-to-resist installment scheme.. It's juz simply normal sale marketing by certain company thru joint program with maybank.. The process is pretty much the same.. submit the form, and they will call u later on to confirm your purchase..

can anyone tell me which bank does credit limit auto-upgrade?? limit goes up to 40k sounds too good to be true.. what are the criteria beside having good credit history or increased salary?

i've maybank + DA, been using almost a year.. dun have prob wit payment so far.. but dun think they would simply increase the credit limit w'out looking at my current salary rite..?

if i'm not mistaken.. u can get one via cimbclicks.. juz register using ur cc no.. but u need to get the internet pin fr the atm 1st..

3 weeks is normal for mbb cc delivery.. not juz fr my experience.. but oso fr wat my frens experienced.. if oledi appeared in ur m2u, so its juz a matter of days before it reaches u.. depends where u wish to collect it..

i do agree about those promo on petronas mbb cc.. due to overwhelming responds, perhaps the delivery might get stalled beyond normal routines..

now i have a good reason using DA..

some offer no annual fees.. online statement.. rebates..
one thing to consider.. viability of bill payment..

u're really dad's good boy.. hehe..