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Added on July 5, 2008, 12:34 pm
interesting... i only have HSBC credit card accounts, which account do i do the top up? go to the branch or just deposit cash in the machine?

but like this also crap... i have also my monthly swipes at the petrol kiosk, means i have to top up quite a lot in addition to my monthly usage?

if that's the case... i'll give HSBC a call then, see how i can get this around

thanks everyone for their very helpful replies

> David83
so its something like half credit card, half debit card right?

My father called MBB CS to increase the CL. He had never submitted a payslip before yet they allow.

@David83,
Instead of using ur CC to obtain a 2nd card, Y not just put in an application together with the documentations?  That way, they'll be able to give U a card?

what she wanted to say is use ur payslip to apply for increment of CL instead of card. with this way, ur chances will be brighter to get  increased CL.

@David83,
If U give the bank ur pay slip and put in all the documentations needed, it shouldn't matter whether or not U have an existing card be it 1 year or less isn't it?

@David83,
Are U owing the existing CC company $?  It could be a reason.

@David83,
In that case, the onli other reason I see for the Bank to reject u is that ur 'total credit' is oredi v high? *shrugs*

@David83,
Total credit refers to total monies owe to bank at time when U put ur application in.  If U oredi haf a house loan + car loan + personal loan + CC of RMx CL; the banks will take into account ur monthly salary and see if u are a risk to them or not before they issue U with a CC or give U an increase in CL.

I don't know if that is how they really gauge things but that's what I was told once upon a time by Citibank; though I no longer am too confident about the stuff Citibank tells me cause I get different information from different people *sigh*

When you submit request ? How long ago before they approve ? I'm curious for mine too...

@David83,
Getting an increase is better than no increase right

@cute_boboi,
Get a 2nd emergency card

Already got secondary card from another bank. But consolidating all my TP in MBB