You have any idea why they rejected?

I thought if you showed increase in income and had good payment history then no problem.

Faster way to apply CIMB DA:

Step 1 : Print out and complete the application form.

Step 2 : Fax your application form to 2093 1329 / 2093 1494 / 2093 2446 / 2093 3157 / 2093 3403 along with a photocopy of the following
non-returnable supporting documents:

(i) NRIC (both sides, enlarged), including supplementary applicant’s.
(ii) Degree certificate from a recognised university / professional body.
(iii) Latest salary slips / income tax receipt / EA form.

Step 3 : A Short Messaging System (SMS) will be sent to applicant within 1 hour of full documents received. Any documents received after office hours, on weekends or public holiday, the Bank will acknowledge receipt by 10am the following working day.

URL: http://www.directaccess.com.my/pdf/DA%20cr...%20apply_01.pdf

CIMB PETRONAS card holder u think can apply this? Since both r fom CIMB now..

it's not becos of the watch, it's becos of their efficiency... i dun need to call them to ask they just sent the gift to me... and i applied thru a agent one... the watch promo is after i applied thru the agent, and again i still get it... that's why i would say this is service....

I also don't know. After few complaints, I gave up.

@jchong,
I did show increase in income and am also a customer with good payment record. The bank didn't reveal actual reason but when I pursued further in person, I was told it could perhaps be due to the other credit cards I have; assuming I maxed each card out, my current income wouldn't be suffice. I was considered high risk as I was oredi having too much credit. True or not, I don't know cause subsequent to that, I got an increase and upgrade from UOB Gold to UOB Platinum. I was also successful in applying for a HSBC Gold sometime early this year [I'd wanted some of their retail benefits *grins*].

I'm no longer interested with an increased credit limit with Citibank so if they can't give me one, screw it *oops*

@David83,
I'm surprised U had issues with HSBC's Customer Service - in fact, this is the first time I'm hearing about such inefficiencies. I personally feel the same as hye

this is not service, this is just a gimmick to make u happy, if u do. service is how they attend to ur request n complaint , in which, u will know soon.

This post has been edited by yewkhuay: May 18 2008, 08:49 PM

@yewkhuay,
I wouldn't mind if HSBC gave me their GSC 2 for 1 card. It's inconvenient having to share that with my best friend *grins*

OCBC is giving buy 1 free 1 in cathay.btw, not in MSN?

This post has been edited by yewkhuay: May 18 2008, 01:51 PM

What about this MBF Yuan Mastercard? Good to apply ar?

@yewkhuay,
Apparently sis applied for that Titanium card and got rejected. She recently struck a million dollars and was gonna put them all in the bank but decided against OCBC cause they'd rejected her application twice!

Also, I don't like watching movie at Cineleisure; I prefer GSC.

GSC then, tonite?

1mil? sure boh? can i date her ?

@yewkhuay,
Am sending folks to the airport tonight so can't make it tonight either *sorrEee*. And mom's not going to allow u to start switching daughters! *tsk tsk*

With Inflation and Depreciation running high... I wish you best of luck

i think u seriously dun know abt the definition of customer service... for ur knowledge...

Customer service (also known as Client Service) is the provision of service to customers before, during and after a purchase.
[SIZE=14]

http://en.wikipedia.org/wiki/Customer_service

so any action to make customer happy is service.... including rewarding customer, dun be so shortsighted......and be realistic too... the same company has so many customer service officer, they have a standard for their customer service, it does not mean every customer service officer can meet the standard, so whether u are served with satisfaction, it depends on a lot of reason, including ur luck of getting which customer service officer to attend to u...

obviously there are two sides for everything, there are a lot of ppl like citibank, hsbc or any other banks, but there are ppl like u hate them also... .so it's also up to individual's luck etc also...

there is nothing can be judged by black and white only... becos this world is grey...

G...What's wrong with u all? Or shd I b asking was wrong with me? *grins*

@Dyong,
At the v least, there's a base to begin with

This post has been edited by tinkerbel: May 18 2008, 11:59 PM

i m not an english teacher, but perhaps u read carefully of what u posted , especially wat is service.

i m not against any bank, i m just reminding u after sales customer service is much more important than b4 /during sales service, don get excited by gimmick given during the sales process coz it was given by the company not the customer service personel, i don hav to say : u will know in future. coz u might be lucky to get a good officer to attend to u.

agreed with u. After sales service is very important.

I think there's too much obsession over Platinum cards especially those who don't qualify for it. The pros of a platinum card is the quality of service you can get through the dedicated platinum line and the travel insurance that comes with it. If you don't earn enough to qualify, it will not be easy to maintain the card as banks normally would require one to spend >10k a year for the annual fee waiver.

To me when applying for cards, I'd look at the benefits that it has to offer. For example, RHB platinum offers priority pass, which is cool because you gain access to VIP lounges at airports worldwide without having to unnecessarily spend on Business/First Class tickets. Priority Pass cards yearly membership cost about RM380 per year, so it's very worth it.

Other than that, I think some banks need to work on the credit card design. I won't apply for one if it doesn't look good to me.

To those who really want a Platinum card, my advice is to work hard to increase your income to that level. Once you have reached that level, you can pat on you back for having at least achieved a fairly respectable financial standing.

Platinum cards are not for showing off. It is for you to get better service when you need it and for you to enjoy the additional benefits as I have mentioned above.

Also, majority of the rich do not use platinum cards, take for example my direct boss, whose monthly salary easily exceeds the credit limit of many platinum cards out there, is only using a mere classic card. Many ppl think that the rich live the so called 'platinum' or luxurious life, which is wrong. Majority of the rich live frugally and do not show off, but when presented with a good investment opportunity, you will be astounded as to how much money they already have.

Just my 2 cents.

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Added on May 19, 2008, 9:14 amincome tax for 10k salary is way more than that, how do you get so much tax relief? as far as I know 6-7k salary already 13% tax.

This post has been edited by thtan: May 19 2008, 09:21 AM

From looking at LHDN's website, 120k income p.a. (i.e. 10k monthly) gets hit with RM19,875 in tax. That's overall 16.56% tax. Reliefs, etc not factored in yet.