UOB One Card?
then u have the chances of wining the 50% off petrol for 1 year. haha.

@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

beside apply the card,did u get her phone number?

@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 !!! 

@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.

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*

@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?

Monthly 10k income is good but later you will be kena income tax >20%+..then you will see you $$ are fyling to our beloved government.

so good ah... ur hsbc card, hopefully mine will be increased also... now at rm6k limit only....

---

Added on May 18, 2008, 1:17 am

serious? how come u guys are having so hard time to get the free gift... my free gift just was just delivered to me together with the card, it's a clock watch... i nvr call to remind them to send the free gift at all, again they sent it automatically....

so far i feel that HSBC is not bad.....      

it's not becos of the watch, it's becos of their efficiency... i dun need to call them to ask they just sent the gift to me... and i applied thru a agent one... the watch promo is after i applied thru the agent, and again i still get it... that's why i would say this is service....

@yewkhuay,
I wouldn't mind if HSBC gave me their GSC 2 for 1 card.  It's inconvenient having to share that with my best friend *grins*

@yewkhuay,
Apparently sis applied for that Titanium card and got rejected.  She recently struck a million dollars and was gonna put them all in the bank but decided against OCBC cause they'd rejected her application twice! 

Also, I don't like watching movie at Cineleisure; I prefer GSC.

i think u seriously dun know abt the definition of customer service... for ur knowledge...

Customer service (also known as Client Service) is the provision of service to customers before, during and after a purchase.
[SIZE=14]

http://en.wikipedia.org/wiki/Customer_service

so any action to make customer happy is service.... including rewarding customer, dun be so shortsighted......and be realistic too... the same company has so many customer service officer, they have a standard for their customer service, it does not mean every customer service officer can meet the standard, so whether u are served with satisfaction, it depends on a lot of reason, including ur luck of getting which customer service officer to attend to u...

obviously there are two sides for everything, there are a lot of ppl like citibank, hsbc or any other banks, but there are ppl like u hate them also... .so it's also up to individual's luck etc also...

there is nothing can be judged by black and white only... becos this world is grey...

     

income tax for 10k salary is way more than that, how do you get so much tax relief? as far as I know 6-7k salary already 13% tax.

I think u misunderstood the post. I think what the poster meant was that delivering of the free gift on time without hassles is a sign of good customer service. Unlike other cases where bank promised free gift but never sent and you have to call them to remind them (and sometimes after the reminder the bank still forgets).

Interesting stuff we have here........

thanks for helping to clarify rite... that's what i mean... i think he really cannot get over it becos he is the unlucky one... so he already had the bad impression towards hsbc, so he cannot accept any compliment from others to the bank....        

@hye,
If it's reflected on Income Tax then I suppose it's fine but how many people actually report such to income tax?! *grins*

That's one heck of a mistake that HSBC did to you ? Tell us more of the story and the ending of the story as well. (Especially if they compensated you for this mishap)

But if i'm not mistaken, HSBC doesn't charge admin fee for their Premier Mastercard for overseas spending. It is one of the perks for being their Premier Banking customers.
Yes. It is good. The difference is that if you are using MBB AMEX credit card, you can earn 2x Treatpoints for every RM1 spent. For AMEX charge card issued by MBB, you won't earn Treatpoints but will be awarded "Membership Reward Points" instead. And you will have to pay an annual fee to enroll in American Express "Membership Reward Points" program or else there will be no point for you.

No. If you spend RM8k on MBB Visa to get 8k TP for a RM50 voucher, you only need to spend RM4k on MBB Amex credit card to get 8k TP for the same RM50 voucher.

@MilesAndMore,
Yes the Premier Mastercard HSBC offers is apparently a grade above their Platinum cards.  I'll check and verify if the 1% is applicable on this Premier Mastercard and get back to all

@yewkhuay,
Let me know cause I probably am going to shift bank and want a bank that gives me the greatest value on points