Credit increase also depends on many factors, one is prompt payment. If you have been paying on time and using regularly - you are a good customer - no reason the bank won't increase.

Unless you are asking a HUGE jump over your current allowed CR,

@ferricide,
I somehow don't know if that's true cause I never got my credit limit increased despite being a prompt paymaster and have good credit record.

Hello, newbie here. I just want to highlight that CIMB and DA have the best foreign exchange rate. I used my CIMB and Citibank Gold Card at US and Japan. Citibank caused me to loose money (the rate worser than I exchange from money changer). And CIMB gave me the best rate even better than my company exchange rate.

This post has been edited by shauyan: May 21 2008, 02:02 PM

@tinkerbell,

Yup, it is correct and it does work.

If you wanna know just how true this is, try to spend BIG like 1 time swipe 30% of your limit and pay on time promptly, chances are you will get mail from da bank in the coming months about an increasing ur limit due to blah blah, good customer, blah blah, good paymaster, blah blah.

Not recommended unless you wanna prove me otherwise Its not THE criteria, but ONE of the criterias they measure u on.

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Added on May 21, 2008, 2:04 pmDunno, but normally I change my money at the local singh/bayee money changers lar.

This post has been edited by ferricide: May 21 2008, 02:04 PM

@ferricide,
I ocassionally spend >50% my credit limit and make payment promptly except they still rejected my application. Anyhow that was years ago. 2 days ago I received yet another upgrade from Citibank from Clear Card to Gold except I'm not going to take it up. They did give me additional credit limit but i'm not interested

Strange, but then again its up to the banks to decide. So far I had a few CL increases, but you can always set a cap in case you are worried you card PWNs you.

@ferricide,
PWNs?!

oops... meant OWNs. But in leet (elite) talk, its PWNZ

@ferricide,
Oh... dat I'm not worried

For some banks like Citibank, HSBC, other banks as well.. that could be true.. But i dun think Maybank is that generous to simply increase based on steady/prompt payment.. Perhaps if i opt for home loan or wateva products relate to loans, maybe they will consider.. O'wise, they would definitely ask for new salary slip if i wish to increase my credit limit..

A'way.. like wat tinkerbell said, wont hurt if ask..

I tried ask to increase my Citibank credit limit last time. But they said if permanent increase need to submit document blur blur.... I'm so lazy and ask for temporary increase credit limit up to 50% only, and only valid for 1 month. And you only allow to apply one month earlier. That mean if u plan to increase by August, apply by July. If u apply now, they will not entertain.

@shauyan,
I did put in the documentations as requested but it wasn't entertained. Perhaps I should put in another request and see what they say this time

It's hard to judge how the banks increase ur credit limit IMO..
Im just got my my Citibank Clear upgraded to Citibank Gold card, limit RM4000 upgraded to RM6000. Then i applied CIMB Petronas Mastercard using Citibank card, CIMB gives me RM12000 limit.. i also feel strange..

@accs_centre,
Citibank generally gives a 50% increase in limit when they 'upgrade' ur card. I haven't bothered to open to the upgraded Gold card I received as I'm not interested to activate it.

@tinkerbel
Citibank recently gave me a RM8K upgrade after a 2 year wait. The last I submitted my docs twice and each time they rejected my CL upgrade application. I gave up on the idea on them being nice to me despite this is the one card which I have been holding on the longest. It's up for cancellation soon.

Too bad Citibank.

@hye,
Coincidentally, Citibank's also my longest held card but I do intend to stop it; Clear card benefits are no longer as good and I sure can live without their little-tiny-weeny credit limit!

Ah well, it'll just benefit some other bank! *grins* Speaking of which, I haven't even received my complementary Platinum card but I'm not going to chase them...

Agree with you totally. This time around I wouldn't give them anymore business from myself (I'm not upset or anything like that) and would give the business to the next bank in line.

how many of you use maybank card?
thier gold card, how long to apply?

im prompt payment for my HSBC CC. and after 1 year, i got increased of RM500 to my credit limits.

non degree can apply?