Thanks for your advice. Still, I don't think I can afford using two cards. I want to control my budget.

Well, it's just an assumption.
If the card owner can't even reach 90% usage of his current CL, there's no point to increase the CL for now.

keep ur maybank la...

1) easy to make payment(maybank2u)
2) high return... every 16500 points exchange RM100 voucher
3) lower credit limit, so u can control better...

Thanks again. I think I want to use MBB card also.

@saerah80,
Having a credit card doesn't necessarily mean U should spend the $. If both the cards are free, U could just keep one at home. Don't tell urself U haf lots of $ cause U will need to repay them back at the end of the month. If u really can't, I suggest U cut off the HSBC one since that gives u RM7k limit

@kon,
Yes there's no point asking for higher CL if ur not oredi utilising ur current CL. However, spending 90% of total CL doesn't guarantee or help in the banks' assessment on giving u additional CL.

@TeraPox,
I average between RM2k-RM3k p/month on credit card bills hence am planning to take advantage of the 2X TreatPoint rewards scheme; that's the main reason for opting for MBB Amex.

Good practice. but in this situation, u have to bring out all your cards.
perviously when shopping, i was also survey which shop got any discount for which card, then only decide to take the card out for shopping.

but normally ended, bring wrong card.

That's why I hate to carry this discount card, that membership card in the wallet. It just makes the wallet thick.

Then how ever did you manage to accumulate 187k points? It would have taken 5-6 years!

Maybe he's a big spender.

AMEX offers 2x points. Certain merchant offers 2x points too.

Sometime, MBB offers 3x or 5x points on certain promo.

u also can do it. helps ur family paying all the bills using ur credit card. if still not enough, help ur relative uncle aunty to pay via CC.

btw it's she.

@jchong,
Wow.. U still haf that 187k figure with U huh?! *grins* Ah well.. don't haf to tell the whole world mah, isn't it? And U the one who convinced me.... to accumulate 187k points with Citibank, I'll need to spend RM187k. With MBB Amex, I onli need to spend half that amount mah

@vin_ann,
Thanks!

if you have that much of CL, you will EPP everything u see and by the end of the month, u'll be a beggar.....

@vin_ann
I always put all my cards in my wallet where ever i go...

@soitsuagain
u have the CL , doesn't mean you will have to spend it!
by the way, i don't EPP

Hi....juz wanna ask usually when the DA statement will be posted to our house? beginning, mid or end of mth?? Afraid the postman simply throw the mail around....

My statement date is around mid of month and i usually get my statement on 20-24th of the month... I'm not sure if we can choose our own statement date...

It depends on your cut off date.

It depends on when is your cut off date. It is normally 1 week after that. I don't think you can choose your date though...more like it was allocated to you after they are done processing your credit card application....do correct me if I am wrong though

Er.. oK.. what's EPP?

Easy Payment Plan

@hye,
AhHh... righTo! Easy Payment Plan.

PS: LYN's becoming quite an educational platform. I learnt FUBAR and EPP in 1 day!

what is FUBAR???