oh no.. with the new rules, i have to ask my hubby to settle the cc payment in FULL.. argh!!!

well said.. when i was much younger i've always wanted a cc.. but never able to have one coz not qualified even tho i was working with citibank selling cc UNTIL my hubby got it for me a year ago.. i didn't went berserk with that.. i just swipe for the things i need.. what i don't understand that why ppl wantto apply for so many cards? when they max out 1 card, they apply another card to cover for the max out card.. it's like u have 8 pots but u have 7 covers.. how to cover them all??? i think the newspaper came out a news that there's many bankruptcies happening among the cc holders..

be happy with just 1 card.. no headaches.. just use 1 card and pay for 1 card.. u see now cc comes with great offers BUT do they come with no-strings attached?? if yes, then how can the bank sustain?

with cc in hand, u're spending your future money.. spend now and worry later if can't pay.. sometimes i think cc is evil.. it's supposed to make things more easier n convenience but ppl tend to abuse it *sigh*

This post has been edited by nicole_nic81: May 27 2008, 01:24 AM

i've always tempted to get a citibank card.. don't know why.. maybe coz it's NOT a local bank

and banks are evil.. they increase our credit limit to encourage us to spend more! so far in a year, hsbc has increased our limit twice!

This post has been edited by nicole_nic81: May 27 2008, 01:31 AM

wah! G2000 got card already?? last time when i wanted to apply they said don't have =.= but oh well, it was ages ago

This post has been edited by nicole_nic81: May 27 2008, 01:33 AM

the only cards i carry around are my Identity card, driving license and my cc.. the rest (jusco, padini, pets wonderland and atm cards) i leave it at home!

This post has been edited by nicole_nic81: May 27 2008, 01:40 AM

everyone wants a platinum card but u gonna reject it?? hahhaa

i notice that HSBC cc is ppl's fav card here am i wrong?? i've like 200k+ points and i still haven't redeem it yet =.=

which u do want? a low credit limit on the platinum card or a high credit limit on a gold card??

er.. how come i don't feel that way?? anyways, the BEST benefit which i love is the VIP parking at 1U

for HLB plat holders, u have to pay rm7/8 per entry.. last time it was free tho! but for other plat cc, have to pay rm10 now and last time it was rm7 only

for mine, the points were like forever there! no expiry date printed out on the cc statement every month.. i just cheked.. i have 257K points now.. maybe they'd wipe out my points soon then

This post has been edited by nicole_nic81: May 29 2008, 12:39 AM

yea.. that parking suck in that sense.. it's not covered.. and when it rains, the floor is slippery n u could just slip and fall! yea it was FREE for HLB plat holders.. i remembered those cc sellers were selling that point.. everyone went to apply it.. then the parking was full.. now since HLB holders have to pay, boy, there's PLENTY of free parking spaces! hahahaha...

well i guess the points came from the insurance, my shopping, car tires, laptop and etc hmmm.. maybe i can exchange it for a trip!

it's er.. combination of my hubby's points and my points he gave me a supplementary card

i think it has been 2 years alreay.. me and my hubby bought our 46" LCD with the card, our PA insurance every month, his car's tires, his laptop, my macbook, my ipod, my wedding ring and etc