Credit Card Thread V3, Everything about Plastic World Fantasia
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 May 17 2008, 05:02 PM
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All Stars
10,912 posts Joined: Feb 2006 
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waive platinum annual fees? i thinks only a few of us only got plat.
you can waits their answer. but normally, you are an active user, prompt payment, when the annual fees is due, you can call in and ask for waiver. threathen them if they din waive ur annual fees, you will cancel the card. normal rules which apply to classic and gold cards. |
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May 17 2008, 05:07 PM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras  
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why citibank keep offer upgrade for client?Like no standard.
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May 17 2008, 05:12 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(siutimtim @ May 17 2008, 05:07 PM) why citibank keep offer upgrade for client?Like no standard. bcoz bank will happy and you also will happy.  both party also happy.  |
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May 17 2008, 05:36 PM
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Senior Member
5,989 posts Joined: Nov 2005
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QUOTE(siutimtim @ May 17 2008, 05:07 PM) why citibank keep offer upgrade for client?Like no standard. Maybe the cardholder qualify for upgrade? |
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May 17 2008, 07:26 PM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras
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QUOTE(jchong @ May 17 2008, 05:36 PM) Maybe the cardholder qualify for upgrade? I don think so because I got many friends get citibank free upgrade card but income also not so high.Hong Leong also always give free upgrade.My uncle get free plat card from Hong Leong after take their home loan. |
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May 17 2008, 10:34 PM
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Junior Member
357 posts Joined: Jan 2005
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sound like platinum credit card too common oredi nowadays.... i bttr dun accept the citibank offer of free platinum upgrade
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May 17 2008, 10:43 PM
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Junior Member
230 posts Joined: Mar 2006 
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What is the different applying a credit card directly from bank or through agent (in supermarket, in college, etc)
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May 17 2008, 11:26 PM
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Junior Member
357 posts Joined: Jan 2005
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QUOTE(dav3 @ May 17 2008, 10:43 PM) What is the different applying a credit card directly from bank or through agent (in supermarket, in college, etc) no diff, i think |
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May 17 2008, 11:28 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@ginvin,
The card was offered to u probably cause of ur long standing as a good customer? As to waiver of fees, well, I don't know - a couple of my friends who's using Citibank's Platinum gets their annual fees waived but that's upon request. I have yet to receive my Platinum card in the mail but mine's complementary from being a CitiGold member. @siutimtim, Er... U admitted to being 'desperate' for wanting a Platinum card so if ur being offered, Y don't U just take it? @dav3, By applying through a salesperson, Ur helping him meet with his monthly sales target as well as contributing to his salary versus applying direct through the bank, I think  |
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May 17 2008, 11:28 PM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(ginvin @ May 17 2008, 11:26 PM) no diff, i think Turn around time will be different.Applying with non-bank staff such agent might have the possibility of information misuse. |
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May 17 2008, 11:46 PM
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Junior Member
357 posts Joined: Jan 2005
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QUOTE(tinkerbel @ May 17 2008, 11:28 PM) @ginvin, i think i haf requested too many times to increase my credit limit, tat's y they offered tis card with 50% credit increase.... The card was offered to u probably cause of ur long standing as a good customer? As to waiver of fees, well, I don't know - a couple of my friends who's using Citibank's Platinum gets their annual fees waived but that's upon request. I have yet to receive my Platinum card in the mail but mine's complementary from being a CitiGold member. @siutimtim, Er... U admitted to being 'desperate' for wanting a Platinum card so if ur being offered, Y don't U just take it? @dav3, By applying through a salesperson, Ur helping him meet with his monthly sales target as well as contributing to his salary versus applying direct through the bank, I think but the only problem is the annual fee, which is alot higher compared to my current credit card. i will only accept the offer if they promise to waive the fee  |
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May 18 2008, 12:02 AM
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Junior Member
353 posts Joined: Feb 2006 From: Cheras
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Ya lo.If free take also no prob.
tinkerbel, If I can qualify get plat card I no so free use this forum I busy make money already.Now I only got my first card In forum I say I got many plat card also nobody know real or not la.All also cakap and share idea only mah. |
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May 18 2008, 12:07 AM
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Senior Member
2,884 posts Joined: Sep 2006 From: Mummy
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QUOTE(siutimtim @ May 18 2008, 12:02 AM) Ya lo.If free take also no prob. Hmmm......... Plat card holder no time to surf ei?tinkerbel, If I can qualify get plat card I no so free use this forum I busy make money already.Now I only got my first card In forum I say I got many plat card also nobody know real or not la.All also cakap and share idea only mah. When you reach that level then you'll understand the difference. |
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May 18 2008, 12:16 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@ginvin,
I gave up asking for increase in credit limit after 2 futile attempts. I don't know if they'll promise to waive ur annual fee now but do keep us all informed  @siutimtim, There are a couple of us here who holds Platinum cards and yet we still come online @bysquashy, Yeah.. my boss surfs the net much more than I do except he reads a lot of blogs and news |
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May 18 2008, 12:25 AM
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Senior Member
1,098 posts Joined: Oct 2004
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QUOTE(hye @ May 17 2008, 09:09 AM) Not so sure about this. The other member mentioned about his experience over in Bank Negara in KL but did not mention the possibility of doing so in other states? Yup, coz applied through an agent for maybank, but i dont seem to be able to check for any application under my name when i called the cs.If you don't mind me asking, why are doing so ? Identity theft problem ? Taking this opportunity to share my latest experience. I wanted to cancel my RHBBank credit card and called up the CS for a fax number to send the letter to. (Did this last Thursday) Checked with the CS on Monday and they said cancellation processing takes about 3-4 working days and they need to forward the fax to the card center. (It's only 2 working days now) However, they could not confirm the fax is received or not as it could have been sent directly to the card center. Called again on Friday (It's already 8 working days), card is still active and cancellation not done yet. They said maybe Card Processing is not doing it yet. (Emmm ..... remember the 3-4 working days thing, I'm not impressed) Sigh .... service these days sucks. So, i prefer to be safe than sorry This post has been edited by neoxz: May 18 2008, 12:26 AM |
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May 18 2008, 12:27 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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Like tinkerbel says ... all the folks here are just ordinary guys. What makes a person is not by the type of credit card a person holds - it's the person's character that matters.
While it's not surprising to find some Plat card holders acts as if they are godsend and likewise. And there are folks who holds classic cards (no offense/or reference to anyone here OK?) who behaves like some rich tycoon but actual no money but full of debts. (or worse, cheats other people's money) Read the many threads in LY itself and you see many such cases. This post has been edited by hye: May 18 2008, 12:38 AM |
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May 18 2008, 01:06 AM
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Junior Member
54 posts Joined: Mar 2005
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QUOTE(vin_ann @ May 11 2008, 09:37 AM) @Tinkerbel, so good ah... ur hsbc card, hopefully mine will be increased also... now at rm6k limit only....yes. Citibank gives me the lowest credit limits. last time, if not the Myvi Promotions, i wont apply for the Citibank CC. now just use for the utilities payment online only. never let the my Citibank CC see the lights. while for HSBC, after 1 year using, it's auto increase the credit limits by RM500  Added on May 18, 2008, 1:17 am QUOTE(David83 @ May 17 2008, 11:23 AM) I don't even get my free gift from HSBC even though I complained! serious? how come u guys are having so hard time to get the free gift... my free gift just was just delivered to me together with the card, it's a clock watch... i nvr call to remind them to send the free gift at all, again they sent it automatically....so far i feel that HSBC is not bad.....  This post has been edited by kindaichi: May 18 2008, 01:17 AM |
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May 18 2008, 01:56 AM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(ginvin @ May 17 2008, 04:53 PM) normally how u guys waive your citibank platinum annual fee? i jst got offer of upgrade to citi plat however the annual fee is rm600, still deciding whether accept... All the Citibank Platinum credit card holders i know are also their Citigold customers. They do not have to pay the annual fee as it is complimentary. If i'm not mistaken, one can only get Citibank Platinum credit card by invitation nowadays. |
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May 18 2008, 02:44 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@kindaichi,
If U truly need an increase of credit limit and have good payment record, perhaps U could make a request with ur respective bank - it doesn't mean ur attempt will be futile, like mine *grins* I never received the free watch from HSBC either but it could probably be due to me not spending the minimum required amount to qualify for it As a Premier customer, I did get my welcome gifts timely.@MilesAndMore, I wouldn't know if Citibank's Platinum's by invitation only but I guess we could always check their website if we wanted to *grins* |
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May 18 2008, 02:55 AM
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Senior Member
6,657 posts Joined: Jul 2006
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QUOTE(kindaichi @ May 18 2008, 01:06 AM) so good ah... ur hsbc card, hopefully mine will be increased also... now at rm6k limit only.... so easy to buy u over with some cheap watches? Added on May 18, 2008, 1:17 am serious? how come u guys are having so hard time to get the free gift... my free gift just was just delivered to me together with the card, it's a clock watch... i nvr call to remind them to send the free gift at all, again they sent it automatically.... so far i feel that HSBC is not bad..... |
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