Credit Card Thread V4, Plastic Money @ World Access
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 Aug 29 2008, 12:07 AM
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Senior Member
3,102 posts Joined: May 2005 From: Penang *̡͌l̡*̡̡ 
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@tinkerbel @hye
really thk you all help here~ Tmr i will go CIMB bank ask the customer service ~ Any CIMB bank can also do right?? Hope i could get DA within one week time~ So here is DA - All petrolstation 2% (This is what i want) CIMB - Petronas Master - only Petronas 2% other is 0.5% |
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Aug 29 2008, 12:51 AM
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Junior Member
16 posts Joined: Sep 2007 From: SixFeetUnder  
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QUOTE(tachlio @ Aug 29 2008, 12:07 AM) @tinkerbel @hye from my experiance of applying credit card, i notice that if you a first timer, its very hard to approve especially for people who have been work less than 1 year. but u still can try your luck. bring along your 3 month salary slip, IC, latest EPF Statement and photocopy of saving account statement where your company deposit your salary. If the bank you applying CC is where your company pay your salary, then you have better chance.really thk you all help here~ Tmr i will go CIMB bank ask the customer service ~ Any CIMB bank can also do right?? Hope i could get DA within one week time~ So here is DA - All petrolstation 2% (This is what i want) CIMB - Petronas Master - only Petronas 2% other is 0.5%  If you already have other CC in your hand (HSBC,MAYBANK, etc, etc) , things will become much more easier and faster.  |
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Aug 29 2008, 08:59 AM
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Senior Member
2,657 posts Joined: Feb 2008 From: Highbury House, 75 Drayton Park, London
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Hi, after many times of applying for cc... i finally got 2 credit cards from HLB yesterday. One is master and another is visa. Should i use both or just one? Kinda confused here, because both came at the same time.
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Aug 29 2008, 09:26 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia 
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@ericpires,
Makes no difference which card U use.. Just make sure U dn't over spend ! |
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Aug 29 2008, 09:41 AM
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Senior Member
854 posts Joined: Jan 2007
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just want to ask... how the banks decide on the Credit limit assigned to card holders? any1 knows?
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Aug 29 2008, 10:40 AM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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Previously, around 2x-3x basic salary. After that, CL increase is based on spending, payment, etc.
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Aug 29 2008, 10:41 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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I'm quite sure there is a formula the banks follow at the beginning. After that?! Well, I guess it is v much dependent on various factors *shrugs*
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Aug 29 2008, 10:46 AM
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Senior Member
4,339 posts Joined: Jan 2003
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first card normally 3k
 (given super basic requirement meet ) |
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Aug 29 2008, 11:02 AM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(hye @ Aug 28 2008, 11:21 PM) I am using the Verified by VISA service. It's pretty good actually as in a way the bank is able to verify that it is you who is using your card for online purchases. I can understand why the liability is transferred to the consumer as if you forgot or allow the password to fall into the wrong hands, it is the equivalent of you giving the keys to your house to a thief. Treat it as if it is your online banking password and it will be OK. i remember my hsbc verified visa experience. i was online payment to buy GSC movie ticket and i forget my hsbc verified visa password, so i quickly login my online hsbc and change. after tht key in my new password and it's pass through. Initially not a lot of websites have this features but the numbers are growing. The only downside IMHO is that you need to remember the password or it will be a lot of work to reset the system again. It is all self service - well at least in HSBC at least. |
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Aug 29 2008, 11:02 AM
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Junior Member
211 posts Joined: Aug 2008
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Yay !! Finally got my first card approve ... CIMB approve me. HSBC still under appeal.
Credit limit is rm4k only ... not even 2x my salary  How do i activate my card and use it for 1st time ? require signature ? maybe i should use 1st time to pump petrol .. any guideline how ? |
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Aug 29 2008, 11:05 AM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(Norns @ Aug 29 2008, 11:02 AM) Yay !! Finally got my first card approve ... CIMB approve me. HSBC still under appeal. approve = got ur card in ur hand already? Credit limit is rm4k only ... not even 2x my salary How do i activate my card and use it for 1st time ? require signature ? maybe i should use 1st time to pump petrol .. any guideline how ? read the letter which attach with ur card... |
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Aug 29 2008, 12:29 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@Norns,
If U didn't get any letter with ur card, that means just use it. Make sure U sign at the back of the card though. |
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Aug 29 2008, 12:40 PM
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Junior Member
211 posts Joined: Aug 2008
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Im going to collect the card @ card centre 3pm later
Maybe i'll first use it by pump petrol. Can anyone guide me the procedure to pump petrol with bonus link card ? p/s why is it require to sign actualy ? some my friend refuse to sign to avoid ppl copy signature |
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Aug 29 2008, 12:46 PM
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All Stars
15,192 posts Joined: Oct 2004
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I wonder which banks offer 0% instalment plan for retail purchases through any merchants?
Eon Bank offers 7% one-time handling charges for 3 years. Besides Eon Bank, any banks? |
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Aug 29 2008, 12:52 PM
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Junior Member
176 posts Joined: Mar 2006
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QUOTE(jack2 @ Aug 29 2008, 12:46 PM) I wonder which banks offer 0% instalment plan for retail purchases through any merchants? BSN & Maybank if i'm not mistakenEon Bank offers 7% one-time handling charges for 3 years. Besides Eon Bank, any banks? |
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Aug 29 2008, 01:07 PM
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All Stars
10,912 posts Joined: Feb 2006
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WTH.... just now checked my citibank online statement, suddenly saw got 2 credit card. 1 is my existing visa and another 1 is Master card. i guess my master card is on the way send by postal to my home...
 nowadays bank CC so aggresive....  |
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Aug 29 2008, 01:32 PM
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Senior Member
3,569 posts Joined: Sep 2006 From: Bermuda Triangle
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QUOTE(vin_ann @ Aug 29 2008, 01:07 PM) WTH.... just now checked my citibank online statement, suddenly saw got 2 credit card. 1 is my existing visa and another 1 is Master card. i guess my master card is on the way send by postal to my home... u must be making alot of money for them nowadays bank CC so aggresive.... i also hope the bank would automatic send card to me i dun mind |
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Aug 29 2008, 01:38 PM
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Senior Member
1,741 posts Joined: Mar 2008
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i have some credit card issue..
today i use my credit card at a computer shop, that cashier seem very suspicious, this is not the first time as i always buy things there.. she always turn my card back (where my 3 digit number security is there).. so if she memorize my card number plus this 3 digit number, it can actually be used to make online transaction, am i right? :| |
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Aug 29 2008, 01:40 PM
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Senior Member
3,569 posts Joined: Sep 2006 From: Bermuda Triangle
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ya...she can do that if she has a very good memory.....
actually u should just blanko....or use a paper tape to cover the security digit......just memorized the security digit or just put inside ur phone incase u forgot maybe she just checking ur signature instead of security number? This post has been edited by dr2k3: Aug 29 2008, 01:41 PM |
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Aug 29 2008, 01:48 PM
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Senior Member
1,741 posts Joined: Mar 2008
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she doesn't seem to be checking my signature as she didn't even compare the paper i signed, instead she is writing something -.-
is there anyway i can contact my bank to change my security number / tell them that I suspect my credit card is going to be used by someone else? This post has been edited by shoduken: Aug 29 2008, 01:49 PM |
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