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 Credit Card Thread V3, Everything about Plastic World Fantasia

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ferricide
post May 21 2008, 01:53 PM

Mercenary
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Joined: Jan 2003
From: Petaling Jaya
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
post May 21 2008, 02:03 PM

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Senior Member
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Joined: Jan 2003
From: Petaling Jaya
@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. tongue.gif

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


Added on May 21, 2008, 2:04 pm
QUOTE(shauyan @ May 21 2008, 02:00 PM)
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.
*
Dunno, 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
post May 21 2008, 02:12 PM

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Senior Member
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From: Petaling Jaya
QUOTE(tinkerbel @ May 21 2008, 02:07 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. brows.gif
ferricide
post May 21 2008, 02:14 PM

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Joined: Jan 2003
From: Petaling Jaya
oops... meant OWNs. But in leet (elite) talk, its PWNZ tongue.gif

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