hi ruzty,

you know why u got lower CL? bcoz u not getting the Shell citi card lo... perhaps that co-brand card is giving higher CL? and if not wrong, their annual fee is not waiveable after 1st year free waiver....
Maybank? i got their 1st statement, minimum amount due is RM25.
so funny when im 1st saw this. i thought minimum payment would be RM50 or 5% of total balance.

I used MBB CC overseas, never inform them, no problem at all. Banks/restaurants never doubt or ask me before. But it is advisable to inform bank to prevent fraud overseas charges, etc.

But I do agree all banks Customer Service sucks.
MBB = Malaysia Boleh
SCB = Refer my horror story here
Citibank = Always sell out my data to tele-marketeers
HSBC = Recently just got the CC, immediately the next day, tele-marketeers call to ask for home loan


My opinion is as long as it is local ppl serving you for classic/gold, you'll get the same type of service. Maybe platinum/preferred/higher up will have better service (I hope!)
FYI, Flex is one of the 2nd cards (if not 3rd/4th) to offer free for life*** without the need to call up the bank to ask/beg for waiver every year. This is followed by Citibank Choice, and the rest of the story. There is no best card, it always change depending on your lifestyle and offer/promotion given. So, who's the monkey here?

Actually, DA is the first to offer free for life without condition 

*** but must swipe 2x / mth

I don't understand what is funny about?

Maybank/DA/Alliance - almost no calls

yaya, been using DA for 10 months now and never get any call 

All the banks sell our phone no. to telemarketing company - the most active one are citibank/hong leong. UOB - less calls. Maybank/DA/Alliance - almost no calls

yaya, been using DA for 10 months now and never get any call 

Have been using Maybank for a few years now and never got any calls.

anyone of u took part in the citi- E-statement contest..? convert into e-statement to win a car

Eh...actually i wana apply for credit card as i plan buy new laptop and pay it by installment. But i hvnt work yet...@@
So, is there any way that i can get such credit card? Example like student credit card?

I got work as part-timer but my salary doesn't reach its minimum income requirement...T_T

Get supp card. Easy, fast and free mostly 

If get supp, only principle can apply it for me?

Bro ... is this your first card when u apply ?

Did you submit any education document for DA application ? I can provide my income and offer letter etc, so I wonder can my card approve w/o cert ?

So lucky u apply many card and all got approve ... i scare conflict that why scare apply many
Btw, i just change job to new company with better salary .... i hope can apply faster no need wait 3 month payslip
My current existing card is cimb only 1 month old

Do you apply all these card recently bro ?
1st time apply get so many approve is very amazing .. how much your income annualy

Btw, do u proof any educational stuff for DA card ?>

jaz now i cancelled both 3 cards

Maybank Mastercard
Maybank Amex
Ambank NextG

my Maybank Visa hold for a while until i finish up my installment plan ( 4 months to go)

Feel relieved after doing this