@vin_ann,
U forgot to mention Complementary Cards (it was first brought up by lwb if I'm not mistaken). Most banks do give these complementary cards out:-

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM200k
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

Am not sure about MBB, CIMB, PBB, HLB.

@yewkhuay,
Nice or not the toiletry back? Nememind lah.. next time U come over me house stay the night, bring the bag along - that way you can keep ur toothbrush and shaver inside it

This post has been edited by tinkerbel: May 7 2008, 11:23 PM

@wvt,
U don't tell me u apply credit card only because U want to kau lui?!

@hye,
With so many banks offering 'free' cards I wouldn't want/need to pay such subscription! Am not interested in a CIMB Credit Card anyways *grins* Already have a DA so that's good enough *grins*

Er.. U got to get yewkhuay's permission, then my folks and then the rest of the darling's!

@yewkhuay,
U come over often enough what! Don't pretend pretend lah !!!

This post has been edited by tinkerbel: May 7 2008, 11:33 PM

@hye,
You're absolutely right. I don't like it that their points expire yearly but I don't use it as my primary card so it's ok i guess, just use it for whenever I need; such as 30% discount off Beauty & The Beast tickets, etc

@siutimtim,
HSBC rejected ur card? Now that's weird cause I didn't think it was that difficult to obtain a HSBC card. Everyone I know who applied for a HSBC card received theirs.

Yes it does seem that HSBC gives pretty high credit limit - I've just slightly above RM50k credit from HSBC.

@arsenal,
I'm surprised cause I first started using me card last year and the points which were accumulated expired last November; I only found out in December! Should I call and make a big fuss?

So what's the final conclusion here?! Are the points valid 1 Year or are they valid 3 Years?! If 3 Years my points from last year should be valid till 2009! Ah well, I don't have sufficient points to redeem stuff anyways.

@yewkhuay,
You actually do have a point. I should check with developer if I could make payment through credit card - I need additional RM50k (over and above the RM30k booking fee) to make up the 1st 10% upon signing of S&P [it's not my fault lawyer's haven't called!]. With that, I should have sufficient points for that Samsonite bag

Oh No! Samsonite bag's from Citibank and my credit with them's <RM15k!!! *ugh*

@David83,
I do not use DA as my primary card; only when there are 'good buys' or discounts hence don't have monthly statements. Statement comes only when I've charged something to the card. I'll see if I could find one from last month; don't usually keep the statements *grins* But should have 1 lying around in the office somewhere!

Will check and revert later.

@cute_boboi,
I don't think HSBC looks at it that way - at the v least, ur account is seen as 'active' ! I've no idea why they rejected ur application though *grins*

I'll definitely check if credit card facilities are available; they probably don't allow cause they've got to pay the 0.3% either to Visa or Mastercard and U know lah... developers a.k.a. kiamsiap!

@siutimtim,
I've <RM15k on my HSBC Gold Visa and the remaining credit from my HSBC Premier Mastercard. Don't hold any HSBC Platinum though.

You can always put in an application to UOB / Alliance for it; no harm and it's free anyways

And what's so nice with the UOB / Alliance Black Platinum card? It's just a card and it's just a colour right?

@Dyong,
Cause dont' have cash in the wallet, need these cards to make the wallet look bulkier, just to well u know, impress the gals

@Dyong,
I'll like to have one by meself too

@siutimtim,
Can!! Get ur dad or bf to give u a supplementary *grins*

Seriously, I don't see what's the point of having too many cards; at the end of the day U won't use them all.

@yewkhuay,
Use urs means U pay.. oKie then

Am surprised but I haven't had a credit boost on my clear card for some time now.

@jchong,
I did get an auto increase on my Citibank Clear Card from RM5k to RM6k. I wasn't officially informed and got that information from my monthly statements

It's been awhile since I got an increase though.

@raymond5105,
Isn't it good to earn more, even though u'll be taxed more?

@hye,
I haf to agree RM6k is ridiculous. I don't even need to bother with the rest of the receipts as my annual contribution to EPF oredi exceeds the RM6k figure! Find other ways to reduce taxes but hey, when we don't earn enough we complain we don't have enough. When we earn enough we complain about taxes !

U people are sure hard to please!

@vin_ann,
The same rule when women goes shopping during sales? Save more by buying more?! *grins*

On a separate note, I checked my DA statement and the points indeed are valid till 2010

I thought Citibank gives out 2.5x ur basic salary?

@avenger,
My first ever Credit Card was issued by Citibank and I do remember having to decide on the credit limit amount - i remembered requesting for a lower credit limit than the 2.5x. From that on, no other banks ever asked me about credit limit and it seems as if I've always gotten at least 2x of what I have on my Citibank Mastercard.

@vin_ann,
I suppose it's a usual thing to give 2x credit limit on the 2nd card then?! *Shrugs* I'm not getting enough credit limit on my Citibank Clear Card anymore (although it was increased from RM5k to RM6k) and previous requests for an increase in credit limit were rejected!

Anyhow, of all my credit cards, Citibank gives me the lowest credit limits.

@vin_ann,
To be fair, I was earning RM1.8k p/month when I applied for the Citibank CC. I'm expecting a boost in credit limit with my new Plat card but I haven't got it and it's been almost 3 weeks now!

Also, I've given up hope on getting additional credit limit; I applied for some other credit cards instead but from what I understand, banks look at total risk so I don't blame them.

@hye,
After my 1st year with Citibank, they issued with me an additional Visa card - that gave me additional RM5k credit. I believe they also incresed my credit limit on my MasterCard to RM7.5k