@Norns,
Yes as long as U make payment promptly you won't be 'blacklisted' I believe there are quite a number of us here who make payment in full each month.

What's the procedure if i wanna change the address for the monthly statement?
For UOB, they will issue 2 cards right? So which means will have 2 statements as well???

Nope...
Only 1 statement will be issued...

oh,... thankx TeraPox...
What's the procedure if i wanna change the address for the monthly statement?

Just call in to their CS and ask for address change.

My application was rejected last year also. Actually I was rejected twice in the span of 1 year. BTW, my monthly salary goes into HSBC.

Recently, HSBC telemarketers called me (5 yrs waiver), and I submit again. Last week received the visa gold card with 29k CL 2nd highest CL after MBB, but is good for emergency purpose.

Anyone care to help?

- another thing is..about the currency rate..when does it apply the rate..i mean..like today US to RM is about 3.27...does it use today's rate or other rate? thanks

hey... that's great... my saving & Current are with hsbc too... sob.. so am i gonna cross my finger everyday and waiting the tele sales person call me? LOLX...

1st attemp : HSBC rejected
On the same day, I applied CIMB (Status: Pending)
Next day(Saturday), I applied MBF via online

Today I call and check, rejected. Reason unknown

Kinda surprise why all get rejected.

I have no problem with my car loan payment ... only delay 2~3days but guarantee got pay.
Income also almost can reach gold card requirement .. and working in MNC for 3 years. And im just applying for Visa
Still got rejected

hi can i ask if i dint receive cc statement from citibank and then they charge me with late payment........


can i ask them to cancel the charge? bcoz i dint receive the statement for the month?

plz enliighten......

and how long muz we use a credit card b4 we can cancel it without any penalty?

thanks

@bee993,
Yes just call CS and tell them U didn't get ur bill hence U didn't make payment. They usually will waive the late finance charges + interest rates billed to U.

@jep,
The conversion takes place at point of purchase. The exchange rate is based on 'International Forex Rates' then. If the item was purchased today @ 10AM it will be converted based on today's 10AM rates.

just asking. i've been using public bank cc for over a year. monthly cc usage is 1.5-2.5k with credit limit of 3k only(normal cc). i've just call them last week to told them to upgrade my card to gold card(i only provide my 3 month bank statement only). will my application be approve? 1 more is that will my cc limit will be increased too?

i always settle in full for the cc everymonth (i no owe them oh)

This post has been edited by jack7155: Aug 26 2008, 01:41 PM

to get 20 days interest free period, I need to pay statement amount or full amount ??

me paying cc for the first time...huhu...

full amount I think

so surprised just now.

a person from Standard chartered called, 1st offer me Genting vouchers which is transferable, then offer my pre-approved gold card.

so i asked her, why just simply gives out the credit card, ur did not scare me have bad record ar? she said, only selected customer is being offer this kind of card.

she said, the main purpose gives the card is for me to try. if i dun likes i can just call in and cancel it. on benefits side, she just promote on the giving free movie tickets for movie from warner brothers when they have new movie.

i thinks Standard Chartered got my information from my genting world card, which im almost forget it.

you are not their customer? did you hold any bank account with them?

1hour approval for cc? any more information?

Provided you have existing cc for more than 18 months old, or your card has 6k limit above the card only need 12 months old then you should be able to apply it.

do we still need to provide any doc to apply?

no need if you can provide them the above said thing. But i don't know whether they accept document processing for 1 hour approval or not. 10 a.m submit then lunch time can get the card ady subject to approval la.