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 CREDIT Card Thread v2, Everything about the world of plastic

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ychwang
post Dec 21 2007, 03:28 PM

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QUOTE(WaCKy-Angel @ Dec 21 2007, 12:45 PM)
http://www.moneysection.com/index.php
Pls refer to that, its not very updated but atleast got alot info.
How do u able to spend RM3000 whilst your salary is not more than RM2000 ????
Im sure your salary is not more than RM2000 else u would have get higher credit limit, no?

What do u mean "limit up"?
So that bank will raise the credit limit for u? they dont usually do that except u have been using the card for atleast 1-2 years.

I just got my card raised RM1000 automatically.
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Nono, you dont need 4k salary to buy dell 4k laptop, My friend had max his credit limit at 6.3k(with 6k limit and settle full after statement arrived, weird overlimit but no extra charge). Then bank just give him another extra 100% limit upgrade.



Has anyone know is paypass work as HK optopus? Can i dont need take out my card, and wave my wallet on the machine to made the payment, can it be done?

This post has been edited by ychwang: Dec 22 2007, 09:40 PM
ychwang
post Dec 22 2007, 11:34 PM

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QUOTE(kindaichi81 @ Dec 22 2007, 11:04 PM)
I just got my HSBC credit card approved few days ago.. my credit limit is RM6k... is it normal? I worked in singapore... basic is more than SGD2.5k ..

how much is u guys credit limit for ur HSBC credit card?
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i did not have hsbc, but my friend got his hsbc with limit 8k, his salary is less than rm2k
ychwang
post Dec 23 2007, 04:20 PM

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QUOTE(shakiraa @ Dec 23 2007, 04:05 PM)
just got my direct access cc. super easy to apply. just pass my pay slip and education certificate. and they give me limit of 18k combined limit for master and visa.
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what? 18k combine limit. what is ur salary?
ychwang
post Dec 25 2007, 01:16 AM

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QUOTE(jimmy701 @ Dec 25 2007, 01:06 AM)
well, even the customer key in the pin he still need to sign on the transaction. if didn't sign it's consider void. the pin just liked a password, only for security purpose, no others usage. So die die also need customer sign, or else have to pay yourself. This happen before when i was working in England Optical few years ago.
Hope i was answering your question


Added on December 25, 2007, 1:10 am

nowadays, almost every banks' credit card can be used as ATM card. But customer can choose want to apply or not. Well, it's depends on customer usage la. If lazy take many cards in wallet, of cos will apply.
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nope, i want link my maybank cc to withdraw cash from my saving account, maybank not allow that.
ychwang
post Dec 26 2007, 11:42 PM

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i never overpaid, but exact value because same back as my saving acc.
due date is 13th, i paid on 13th on exact amount, never paid earlier.

ychwang
post Jan 5 2008, 01:40 AM

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Is it possible to own two card for same type? Own Visa Classic & Gold together. I accidentaly ask them to close my classic account, now I want to open back they say not allowed.

ychwang
post Jan 5 2008, 11:40 AM

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QUOTE(ychwang @ Jan 5 2008, 01:40 AM)
Is it possible to own two card for same type? Own Visa Classic & Gold together. I accidentaly ask them to close my classic account, now I want to open back they say not allowed.
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Can someone answer my question?
ychwang
post Jan 5 2008, 11:59 AM

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QUOTE(myusername @ Jan 5 2008, 11:46 AM)
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  thumbup.gif


Added on January 5, 2008, 11:49 am

I'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.
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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
ychwang
post Jan 6 2008, 10:32 PM

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wow, 10years worth of free petrol, Johnson Khoo doesnt affect on this comming petrol increase at all.

ychwang
post Jan 7 2008, 01:17 PM

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QUOTE(WaCKy-Angel @ Jan 7 2008, 10:33 AM)
doh.gif  doh.gif  doh.gif  doh.gif  doh.gif  doh.gif

U have 1 visa and u apply another visa doesnt that makes u having 2 visa (if approved) from MBB ??
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not only 2visa, u can have 2amex as well.

This post has been edited by ychwang: Jan 8 2008, 12:15 AM
ychwang
post Jan 7 2008, 08:25 PM

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--remove--

This post has been edited by ychwang: Jan 8 2008, 12:10 AM
ychwang
post Jan 15 2008, 06:46 PM

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Had anyone used cc at petrol station but forget to collect the slip before?
help... i had forgotten to take the receipt, and someone already taken it. what should i do?

ychwang
post Jan 15 2008, 07:44 PM

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QUOTE(David83 @ Jan 15 2008, 07:42 PM)
The receipt shouldn't show full details of your credit card number. Certain digits are usually masked.
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nope, my Amex always show full including exp date.
I had seen b4 at that petrol station,
ychwang
post Jan 15 2008, 11:17 PM

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QUOTE(WaCKy-Angel @ Jan 15 2008, 08:12 PM)
No need worry....no use if they take it
Amex yes, it will show because its not considered "credit card" although Maybank Amex Credit Card is called "credit card"
If u dont understand its ok, its technical stuffs but just know that it does show full details (except the CVV ofcourse).
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but it depend on the merchant machine isnt it?
Because when i bought thing from Watson which use Amex Terminal, it does show full number when i use Visa, but i pay via Amex it will hide the number in the receipt.

Why u said take it also no use?


This post has been edited by ychwang: Jan 15 2008, 11:17 PM
ychwang
post Jan 16 2008, 12:43 AM

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QUOTE(WaCKy-Angel @ Jan 15 2008, 11:57 PM)
They should know how to use it..If u really want, u can complaint to their management about the cashier attitude.
Hmm are u sure it show full card number when u use Visa and hide number when using Amex?

Do u still have the receipt?
Tell me the TID or the shop name printed on the receipt and i will check out something.
U can PM me for that.

The receipt printed has absolutely no use if other ppl gets it..
Becoz they cant use the information on the receipt, becoz 3-digit (CVV) number are required when doing online purchase.
Maybe some NBTD might want to try different combination? yeah rite its 3-digit means atleast errm 999 combination?
Bank will be alerted if someone really do that..
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sorry, my fault, the Amex counter show both Amex n Visa card number in full. I just check the receipt jz now
ychwang
post Jan 16 2008, 09:48 PM

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QUOTE(vin_ann @ Jan 16 2008, 09:08 PM)
arlo,

i got a small letter from Citibank.

READER'S DIGEST CONTEST COMMITTE (despatch notice)

Dear Citibank Credit cardmember,
You have been officially selected to receive your exclusive inviatation for the Reader's Digest RM750,000 Super Contest. The Second despatch will take place within a week to confirm your official inviation.

You will be receiving a white envelope arriving from our Content Committee containing an important message about your Contest Inviatation documents. Please read it carefully and act quickly for an oppourtunity to win any of 2,354 valuable prizes.

if you return your COntest Inviatation Documents in time to claim your Contest Entry Form, you have the oppurtunity to win the Super Premier Prize of up to RM250,000, in which case you will receive a registered letter from Reader's Digest annoucing the processing of your Super Premier Prize cheque for RM250,000.
Therefore, and for your own interest, please act quickly when the Contest Inviatation document arrive. Watch your mailbox so as not to miss your opportunity to added to the Super Permier Prize Winner list.

a trap?

any1 got received this mail???
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yes, i receive it from Snail Mail last time, which mean u have to subscribe reader digest to entitle to participate the contest, but participate doesnt mean u will win.
Waste time only just throw it away.
ychwang
post Jan 19 2008, 11:34 PM

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yalo... i just want to apply balance transfer, but its already cancel.
ychwang
post Jan 20 2008, 12:48 PM

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May i know which bank have fastest application approval speed and lowest rate for balance transfer ????
ychwang
post Jan 21 2008, 02:18 AM

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QUOTE(David83 @ Jan 20 2008, 03:51 PM)
I guess MBB is offering an attractive low interest rate.

http://www.maybank2u.com.my/consumer/onlin.../bt_chart.shtml
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I'm already holding mbb with 5k outstanding this comming statement. So its impossible to balance transfer to mbb again.

ychwang
post Jan 23 2008, 12:05 PM

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other than CIMB, got other bank offer 2nd lowest rate? because i still dun have cimb card, dun think i can make it before 31th Jan.


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