I agree with you as it is safer to use international brands.

One of my friend has the Bank Islam card so I'm OK about it (My friend is happy about it as he says that the CS is polite and he has no complaints about the product) except promotions are non-existant. Definately a no-no for Bank Rakyat's product ... their conventional product CS already so bad ... I have very little trust in their credit card product.

This post has been edited by hye: Oct 31 2008, 06:39 AM

Increase but very slowly and depends on the amount that you pay back.

Anyone saw the recent ad in the papers for CIMB World Mastercard ? It is by invitation only but no info on this product in CIMB's website.

I asked a HSBC's RM today on the local MC Premier status as a World Mastercard but received a "Huh?" and "Where did you get that info ?" reply.

Should be OK for Citibank as I have accessed my CitiOnline banking system from overseas before.

Especially if you have applied for it. The rules is probably different if the bank sends you an unsolicited card that you did not apply.

OK ... if your friend has really applied for the card and now changed her mind then by all means cancel the card. (Got a sample cancellation letter in the 1st post of this thread) You need to send in a letter for the purpose as if I'm not mistaken RHB won't accept verbal cancellation.

Can you be more specific about the rumours about the problem ? Actually no card product is free from problems. If you are asking me about my personal experience with RHB cards ... I find the CS to be slow and unfriendly. Not something that I want to worry about as I use my card while travelling - I had a bad experience while I was overseas (Not RHB) due to unresponsive CS.

Foreign banks ? I had a bad experience with Citibank b4 and local banks as well. My advise is that different people have different needs when it comes to cc products - don't always listen to what people says. Experience it yourself and find that cc product which suits you best. Nothing is for permanent as CS levels/bank service qualities will change from time to time.

---

Added on November 4, 2008, 11:47 pmWell I can help you to pay if you can trust me. At least I got chance to ask you to buy stuff for me in US.

This post has been edited by hye: Nov 4 2008, 11:50 PM

If I were you ... if the bank don't want to approve you then just forget about it. They are not the only cc provider in town unless you have special reason to apply for the card. Plus .. you already have a credit card.

Emmm ... if I'm not mistaken, your appeal won't carry any weight since they probably will ask you to submit additional proof of income (or extra income). If you can wait then wait 1 year for your current cards to hit 1st year and then use those card to apply for UOB.