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 CREDIT Card Thread v2, Everything about the world of plastic

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yks8845
post Feb 20 2008, 11:25 PM

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hi guy,

i just notice form BE was required when applying maybank petronas cc... seem like problem for me,cos i just work less than 6 month and didit have it..so how i goin to apply ? sad.gif
yks8845
post Feb 22 2008, 11:47 PM

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can i print out my bank statement online via maybank 2U ( no time goin for branch ) for credit card application ?
yks8845
post Feb 26 2008, 02:58 PM

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i just submitted my credit card application smile.gif when should i call them (bank) to
check my application status ?

will bank staff call my company admin to verify my application? i just affraid my company admin person will miss their call because those admin person always took long time for lunch and meeting sad.gif
yks8845
post Feb 26 2008, 07:43 PM

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no one answer fo rme sad.gif
yks8845
post Feb 27 2008, 09:10 PM

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QUOTE(siutimtim @ Feb 27 2008, 05:41 PM)
why some bank gave extremely low credit ? my boyfriend has a gold card from citibank but credit is only Rm5k (they auto upgrade for him) ,, his monthly pay is rm3k, he should get at least rm9k credit right ? credit limit = salary x3 ?

which bank give the most high credit and which one give lowest ? 

I applied for ONE platinum dunno how much they will give me... anyone can share what is the average credit limit you guys have for normal citizen like me..
*
My sister income around 2.5k only and she was holding Citibank Gold card ( which also upgraded / offer automatically by bank ), curiously her credit limit

was 13k rclxub.gif

I do think Bank will increase cc credit limit depends on ur spending habit rolleyes.gif

As i knew she always helped our family member paid first for gold stuff (for wedding), PC , laptop ,gathering dinner expenses and buying fly tickets

(for sure we did paid back laugh.gif ) , which mean her spended amount would be around 4k to 6k for certain month sweat.gif

This post has been edited by yks8845: Feb 27 2008, 09:12 PM
yks8845
post Feb 28 2008, 06:22 PM

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QUOTE(David83 @ Feb 28 2008, 05:43 PM)
No need to go through any activation. It's pre-activated.
It depends if you're requesting them to send to where. If you're requesting to send to the nearest branch, you can call if the card has arrived and go to the respective to collect it.
*
David83,

how long did u wait until u get approved ur maybank petronas cc? mine submitted application on monday and now still no call from their staff to my office to verify my status. sweat.gif

p/s: me first time applied credit card ya, dun laugh me on my stupid question notworthy.gif
yks8845
post Feb 28 2008, 06:33 PM

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QUOTE(David83 @ Feb 28 2008, 06:25 PM)
I submitted my application to the card centre before CNY. My application is approved last Monday and I collected the card from the branch yesterday.

By the way, I have received the free gift for my CIMB DA. It's not an 1GB USB flash drive. It's bag from Santa Barbara and Polo Club.
*
thats mean took around 2 weeks for whole process? did they call ur office ? smile.gif

wow....bag from santa barbara and POlo club drool.gif So, did u get any gift from Maybank Petronas CC brows.gif
yks8845
post Feb 28 2008, 07:02 PM

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QUOTE(David83 @ Feb 28 2008, 06:37 PM)
I have existing CC from Maybank so that they didn't all me at all; office nor handphone. They just approved my application. Maybank doesn't give free gift officially. Perhaps you could get some freebie if you applied through agents at the booth.

It's a bagpack or knapsack from Santa Barbara and Polo Club. I think I still prefer to have the USB drive as advertised in their application form.
*
emm....seem like only way is wait wait wait for me laugh.gif
yks8845
post Feb 29 2008, 02:05 PM

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i called maybank CS and they said didt have my application record although i

submmited on monday. They said this because of overwhelming reponse on Maybank petronas Visa cc thus

they need 3~4 weeks to process. wow.. rclxub.gif

This post has been edited by yks8845: Feb 29 2008, 04:42 PM
yks8845
post Mar 13 2008, 07:44 PM

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wow...recieved my CItibank Clear Card today..just Done Within a week from application rclxms.gif Bravo drool.gif


yks8845
post Mar 14 2008, 06:46 PM

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HI guys, is that current maybank ATM card can be change to Maybank Visa Debit card in any Branch ? Or we can only change it in BRanch that we

opened account ? blush.gif Since I open my account in hometown but currently work in KL ....any idea ? smile.gif

This post has been edited by yks8845: Mar 14 2008, 06:48 PM
yks8845
post Mar 22 2008, 01:10 AM

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QUOTE(candy_chl @ Mar 21 2008, 11:51 PM)
My colleague none know what's the reason.......

But one thing for sure is when I told the agent who call me today about my company......he directly told me that my company is one of their financial listing......(his english damn great.....and I don't really understand what he mean)......and they could easily get our company record. My company is an international company. So I don't think is has bad record.

Ya my bro even told me it's easy to get.....currently his limit very high too.....but i didn't ask how much. But definitely he recommend me to get fr citibank first before trying the locals
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lol, don be worry too much..different person have different personal / finance profile ..i wonder maybe some of ur colleague didt meet citibank requirement such as type of job, education , or else loan background...but i not so sure...hmm.gif

i got my citibank Clear card within one week from application to card arrived rclxms.gif and my credit limit was 4.5k rclxms.gif nearly to gold card..haha brows.gif


Added on March 22, 2008, 1:17 am
QUOTE(siutimtim @ Mar 22 2008, 01:06 AM)
anyone applied alliance bank before ?? their requirement for gold and plat is high... I also never see they promote their card ?

is this alliance bank high class like hsbc ?
*
Not very sure about that, but credit limit that their given quit high.... brows.gif one of my friend's alliance classic credit card's limit was 8k shocking.gif it

was her first credit card since she just started to work last year.... smile.gif

This post has been edited by yks8845: Mar 22 2008, 01:19 AM
yks8845
post Mar 26 2008, 09:22 PM

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QUOTE(hye @ Mar 26 2008, 01:44 PM)
I second HSBC customer service quality. Good, polite and very helpful - if the CS is a lady, they sound like they are smiling when they are talking to you over the phone and the guys sounds like Patrick Teoh.  blink.gif  (Well ... at least from my experience )
My Maybank Petronas cc took more than 1 month to approve. Letter haven't arrived yet but I saw the card appeared in my M2U.
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How u saw the card appeared in ur M2U ? smile.gif enlighten me smile.gif cos i applied maybank petronas cc also along with citibank and cimb cc last month. I

got credit card from both bank already except maybank one blink.gif

This post has been edited by yks8845: Mar 26 2008, 09:23 PM
yks8845
post Mar 26 2008, 11:10 PM

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QUOTE(hye @ Mar 26 2008, 09:29 PM)
I already have an existing account with MBB and all my old cc with them are also listed there as well. If you read the previous threads, other members also had the same experience - they had an MBB acct & M2U, card appears once it is approved.

Not sure why someone said that they didn't see it coz it was not linked. What I suspect is that most members have a preexisting card with MBB and linked with their "credit cards". The Petronas card simply appears as an additional card to whatever card they already have. If I remember correctly all of my products with MBB appears in the M2U system from Day 1 I had it.

BTW ... I had the same experience with my CIMB card as well. It appears in my CIMBClicks and then my card arrives!
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i see,thanks for ur info smile.gif i did have an account with MBB & M2U, i just checked it and seem nothing about credit card info in my account summary.. i

guess application rejected maybe hmm.gif since already one month... shakehead.gif

lol, a bit disappointed with that as all my saving and FD were put in maybank...futhermore my salary also credit in it... vmad.gif guess i will withdraw

all of that and transfer to other bank like CIMB... whistling.gif whistling.gif

yks8845
post Apr 1 2008, 10:52 PM

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QUOTE(candy_chl @ Apr 1 2008, 07:47 PM)
Citibank s*cks.......just got my rejection letter today !!!  cry.gif

Going to boikot them.......closing down my saving acc there also....
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=__=" any reason ?
yks8845
post Apr 1 2008, 11:18 PM

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QUOTE(David83 @ Apr 1 2008, 10:22 PM)
Sadly that you need to submit the supporting documents to the card centre.

Walking to the counter/branch doesn't really guarantee the delivery of your documents to the card centre. It may take longer or lost in the pile of other application forms.
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Is true....i and my colleague apply cc at the same time with the same bank ...i already got my card but he didt ( he called card center and been told didt recieved any of his application) blink.gif which he applied thru walking to branch, reversely i fax to card center. nod.gif
yks8845
post Apr 1 2008, 11:31 PM

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QUOTE(David83 @ Apr 1 2008, 11:16 PM)
Usually within couple of days (two to three days).

If the merchant is using Maybank terminal, it'll be as fast as couple of hours (charged in the morning, appeared in the late evening).
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David 83,

so do u might to share or elaborate benefit / rebate of maybank petronas visa cc / cimb petronas master cc... rclxms.gif ( since u got one of them if i not mistake)..


how actually 2% Rebate at PETRONAS service station works/calculate ?

and wat is the meaning of this ? =* Rebate is subject to a maximum spending of RM2,500 at PETRONAS service stations or rebate of RM50 per card per month.


yks8845
post Apr 1 2008, 11:41 PM

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QUOTE(vin_ann @ Apr 1 2008, 11:32 PM)
how come?
you got open saving account with citibank, meaning u got lots of money there le... haha...

anyways, i thinks the verification process is fail, ur company HR is un-reachable when the citibank CS call for verification. bad luck for you...

it's happended to my colleague. my fren is working inside the the bank, telling me this.
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haha laugh.gif i remember last time when i applied cc from citibank...i gave warning to my HR person ( which always late cos out for lunch.. shakehead.gif ) be standby to answer phone calling from citibank... brows.gif

yks8845
post Apr 2 2008, 02:00 AM

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QUOTE(siutimtim @ Apr 2 2008, 01:10 AM)
Is it your first card ? Normally citibank give card out very easy if that is not your first card
*
yes, citibank clear card was my first card in my life ..i applied it last month along with cimb petronas cc ,maybank petronas cc.. brows.gif i received citibank clear card first ( last 2 week), followed by cimb petronas ( last week ), and today..my maybank petronas cc rclxms.gif

but i gonna cancel my cimb petronas cc cos they gave me classic one ( green color=too ugly for me ) instead of gold card vmad.gif anyway, its

credit limit was highest ( 6 k ) compare with my citibank (4k) and maybank cc (4k).. hmm.gif

This post has been edited by yks8845: Apr 2 2008, 02:02 AM
yks8845
post Apr 2 2008, 11:46 AM

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QUOTE(siutimtim @ Apr 2 2008, 02:56 AM)
gold card income need 3k plus is it ? mind to share you income range ?  brows.gif  just want to know how normally bank give credit
*
If i am not mistake, gold card for cimb petronas needs 30k annual income. smile.gif my income range? rolleyes.gif above 30k annually but lower then 30k after deducted EPF and socso.. doh.gif .

As i knew , credit limit that bank assign to not only depends on income earning but there was other factor they also consider like type of job, payment history (loan ) and etc...but i not sure about that ( i guess only )..i think may let other forumer to answer it clearly for u icon_question.gif

As i wrote in early posted, my friend got his first card in life (Hong leong bank) with 4.5k credit limit. His gf, card with 8k credit limit ( alliance bank) sweat.gif hope my info provided may help u sweat.gif


Added on April 2, 2008, 11:55 am
QUOTE(hye @ Apr 2 2008, 03:30 AM)
If I were you, I'll keep the one with the highest credit limit and cancel one of the other card with the 4K limit.


Added on April 2, 2008, 3:33 am

Why don't you make an attempt to call the CS and activate the card? Possibly by doing so you don't need to send in the yellow card.
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laugh.gif with combined credit limit 8k ( 2 cards ) is enough for my expenses for now sweat.gif i put card's design as pride of place then credit limit.. smile.gif

This post has been edited by yks8845: Apr 2 2008, 12:21 PM

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