Shouldn't be a problem. Most banks would only ask for your proof of income (e.g salary slips, etc) but if you are applying for DA cards then they require the degree as part of their documentation requirements.

so far, for me, DA gives me the highest credit limits.
at first very fancy about it, now din really bother to care about it.

I asked DA to reduce my credit limit to 6k 2 months ago since I din use it much.

so are you managed to reduce ur credit limits??

Yup, at first I asked them reduce to 5k but they say gold card minimum need 6k limit (dunno if this is true), so I agree.

this sound interesting.
first time hear this situation.

Ah well... I don't understand all these status stuff - it bewilders me that Citibank actually offered an upgrade to Gold Card offering RM6k credit limit! One would assume credit limit increases with these 'status' but well, I suppose the banks are really playing the market share game instead these days

they offered me upgrade Gold card with RM4.5k credit limit.

guess, soon or later you will get call from them, persua you to active your gold card.
pls update us with the call contain, if they call.

This will be interesting to watch. I can't believe what Citibank is up to these days. Market share or not but it's decreasing the value of the product and subsequently the brand (Citibank) as well.

@vin_ann,
I've not received the call from Citibank but previously when they 'tried' upgrading me from my current card to the Shell card, they did call. There was no need for any persuasion; I told her I wasn't interested.

This time round if Citibank calls again, I'll ask her whatever happened to the Platinum card of mine instead (I certainly pity the poor gal who's gonna make the call to me). I also thought I remembered telling Citibank I wasn't interested in an upgrade of card; just credit limit

@hye,
Now U know it matters not - I mean with cards like the UOB ONE Platinum being offered, what would U expect of the banks?

This post has been edited by tinkerbel: May 22 2008, 01:22 AM

Hahaha .... it was a long debate on that card in the last thread. Anyway ... I think you need your beauty sleep for the nite. Don't stay up too late !

MBB Petronas Visa cardholder, do you guys receive a brochure highlighting promotions exclusively for Petronas Visa cardholder?

i heard applying CC thru agent, the application process is faster than approaching bank. true ar?

Yes ... I already did. A few days back, it was the holidays promo this time.

---

Added on May 22, 2008, 8:48 am1. If you applied and send the application directly to the bank's card processing centre - fastest.
2. Send it via bank branches - medium / depends on your luck. Banks gather all the documents first they want to send out before they dispatch it to the main branch.
3. Apply via credit card agent who works for the bank - medium / fast / depends on your luck. (Similar to scenario 2)
4. Apply via credit card agent - slowest / medium (and not to mention risky). An unethical agent may sell your personal details to a 3rd party without you knowing it.

My worst experience is dealing with a credit card agent was with SCB's (P**** S********) - the guy lost my application and then act as if nothing happens. I asked him where's my application and he said lost it / didn't get it / all sort of excuses. 2-3 times of follow up and then I gave up.

Another time, it was with a lady (But I can't remember for which bank) - I faxed over the docs and then she said she shifted office and don't want to go back to the old office to pick up the docs. It was difficult to get her in the first place and after strike 3 - you're out!

Thank god I don't have to deal with credit card agents these days + if I do see something like that I won't apply already. So, you still want to apply via agent ?

This post has been edited by hye: May 22 2008, 08:50 AM

thanks for the infor, i just download citibank application form n decided to pos laju/fax to them

OMG... so lame the credit card agent. btw, if the agent care about the commission, they wont do this kind of things.

@hye,
Didn't get sufficient rest; tummy upset. No wonder I'm feeling tired this morning but have a meeting at Gardens so can't sleep in *grins*

I'm quite surprised at the agents tidak apa attitude. Nevertheless, the once I applied through an agent for my current Citibank card, she was pretty good. In fact, a year later when Citibank offered me a Visa she came to my home to get my signature; and mind u that wasn't even for a Platinum card; just their Clear Card

This post has been edited by tinkerbel: May 22 2008, 09:24 AM

@tinkerbel

wah, so nice your agent. i never come accross this kind of agent. lucky i got friend who working in the citibank. she nice also. i applied through her. when my card is approved, she give me a call ask me go to citibank to collect.(tht time need citibank card so urgently and badly)

only those agents who push their credit card very hard. they will find ways to ask u apply.

wah so good.. intro intro agent here la.. so ppl can apply thru her.. give her business ma.. hehe

I guess she must be happen to be near by.