@vin_ann,
If Ur using that 1 card as ur primary card, U might need additional CL on that card

@vin_ann,
And that's what U say now *grins* When I applied for my 1st credit card, I told Citibank not to give me too much CL - RM3k was more than sufficient. I ended with RM5k which I thought was really too much.

A couple of years down, I felt RM5k insufficient except Citibank never approved my applications for an increase.

@vin_ann,
Like I said, it's not something U'll hit now but RM4k is probably not sufficient in the next 5-6 years or so When U start earning more, U probably start spending more

HSBC's latest CL to me is RM40k - now that is a lot more than I can deal with so I doubt I'll need to get an increase for a long time with HSBC.

@yks8845,
I think it's oK to share the joy of new gadgets with ur gf.. And if she lives with U, takkan she's not going to know what U purchased? Where would U store those new toys of urs?

@vin_ann,
If CC is making U spend more, then start destroying them cause U don't want to end up in debt.

The rule of thumb is to purchase and buy only when U can afford it.

This post has been edited by tinkerbel: Jun 24 2008, 01:09 PM

@vin_ann,
And if ur necessary needs have exceeded ur income, U should start looking to see if they're really necessary

@vin_ann,
We should always be looking to increase our income

@yks8845,
I do not need unlimited CL - it's not "safe". I am also an existing UOB Platinum cardholder and I believe existing cardholders will be converted to this UOB Preferred Platinum plan in time to come.

This post has been edited by tinkerbel: Jun 24 2008, 01:25 PM

@yks8845,
Yea the design's quite nice.

@vin_ann,
I don't, sorrEe. Just keep it short and simple :

To Whom It Might Concern,

I, VIN_ANN (NRIC) would like to terminate my VISA/MASTERCARD bearing this Account No. with immediate effect.

@vin_ann,
iYah.. like that U ask me for sample letter buat apa?! U mau spam is it?!

@yks8845,
That sure sounds like quite a detailed letter.

@vin_ann,
U want to add that to Post #1 *grins*

Eh.. dont' U people haf to work?!

@vin_ann,
And who ask U to go about making so many applications?!

Aside from Citibank, U should be able to find the rest of the banks U mentioned @ Uptown area *grins*

@jiaxun,
If I'm not mistaken, petrol stations earn a total of 3% commission from sales. If 1% is given to Credit Card operators, they're left with 2%.

@vin_ann,
U forgot OCBC?!

@vin_ann,
OoPS.. I meant the recent OCBC application at the ATM Hall

I think we need to stop spamming!

@TeraPox,
There must be a reason for U to be wanting to pay that RM800?! [perhaps because that Longine watch costs more?!] Also, Shangri-la's The Prestige membership would oredi cost U RM499

Just out of curiousity, Y would U be willing to pay the annual fees for an Amex when U wouldn't pay for the rest?!

This post has been edited by tinkerbel: Jun 24 2008, 03:23 PM

@TeraPox,
U don't need to go 8x a year. U just haf to play 36 holes p/day and that'll be good enough

Also, the 10X reward points are applicable onli at their partner outlets and unless U spend a lot of $ there [wherever that is], I doubt it's gonna be that beneficial.

Anyhow, it's ur call

Btw, do U haf a local golf membership? And where do U usually play? What's ur handicap?

This post has been edited by tinkerbel: Jun 24 2008, 03:31 PM

@TeraPox,
Ah well.. It sure seems as if U've got it figured out

If U don't haf a valid golf handicap, I doubt U'll be able to get access to the courses in SG too?

@TeraPox,
I don't know which are the few selected merchants who offers 10X reward points but if U do intend to get a new Mac I guess U would be utilising one oredi.

I also don't use the Shangri-la benefits much [hence I haven't joined their membership] so that's not really an advantage for me.

As to golf privileges, I oredi haf access to Saujana, KLGCC, Rahman Putra, Awana and I don't go to SG that often. Also, I don't play golf ! *grins* hEHehehHEhe....

If I could get the annual fees waived, I perhaps might consider otherwise, nah. Also, MBB didn't seem v interested in wanting my business when I walked into the bank a couple of weeks ago so I oredi gave up hope on this Amex Plat card.

Then again, I'm not U!

This post has been edited by tinkerbel: Jun 24 2008, 04:05 PM