maybank does issue a classic card with 3k limit too, so far they didn't spoilt their card standard by giving low limit to their gold or platinum card like other bank.

ya. its requirement is quite high 2. classic alone need an annual income of 30k oledi..

Excluding MBB, which is 30k.
The rest, including HSBC, is 18k.

yeah what i mean was - are the rates itself publish anywhere?

let's say i know i want to buy a book cost usd20, anywhere to check what is the exchange rate charge by visa or master on that day?

What I normally do ... check the rates over @ www.xe.com on the day that you are doing the transaction. This site will give you a good indication of what the current international rates are. The actual rates will be very close to what is stated on xe.com.

hi everyone ..i'm newbie here....i'm just curious to ask does anyone know why i applied for ikea cc but got rejected few times...but i was holding cc for more than a year and i never make any late payment b4...though it happened few years back but i still have this question mark in my mind....

u shd use the credit card which never got the late payment record when apply for it.

btw, u also can try to ask from the credit card agent who based in the IKEA, ask them why ur application fail. they shd be able to tell u why.

halp!... i called RHB to ask if the transaction fee of RM 70 in their website annual fee is applicable or waived (like what the salesman say), they say can be waived

my question: do i have to pay the RM 70 before they waive later or is it automatically no charged to me?

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Added on October 5, 2008, 1:55 pmalso, how can u confirm that the annual fee has been successfully waived?

This post has been edited by PureGeek: Oct 5 2008, 01:55 PM

Hi, i already have a citibank credit card(choice), no outstanding but unbilled amount. now i would like to have another credit card(clear). can i apply but share credit with my current credit card? is it possible?

@IceBikers,
Citibank might decide to give u a separate CL

as far as I know.. CT bank normally will issue u the new card with separate credit limit... (in this case for IceBikers, Clear Card)

Credit limit will normally be the same amount as your existing cards, but it's extra ! no sharing unlike other banks

i did called and ask but they said its P&C ... but my record is perfect...never any late payment at all...sighs..maybe it was just my luck

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Added on October 5, 2008, 5:31 pmerm..i think they will approve ur application since u already had one cc from them and having a nice payment record...like me they offer me the second card after abt a year using on of theirs....

This post has been edited by VenusDay: Oct 5 2008, 05:31 PM

not yet 1 year.. just 3 months

Y would u get 2 card from the same bank?

yeaa...no point if u wanna use 2 cards from same bank and require to be combined limit...but for citibank they practiced to give diff cl .... u can give a try even though u used for less than a year.... if u really need those privileges from clear card...

is amex charge card good ?

understand tat charge card mean we have to pay full in one month, and no limit. So does it very hard to approve ?

And what happend if we din pay full in one month ?

for the sake of free gift= free philips mp3 player

Don't lose sleep over this. All banks will state that the annual fees is chargable but in reality its hard see a new card application not bundled with a free annual fee waiver. (If they want to charge you) You will see this transaction being posted in your first bill and never ever pay anything to the cc application agent coz if they ask money from you then something is wrong already. Walk away and report this to the bank (they are so-called representing) ASAP!

What I suggest you to do ... if the bank really charge you annual fee, call CS immediately and cancel the card. Don't tolerate bad CS / unfulfilled promises by agents and send a clear signal to the bank not to bully you as a consumer!

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Added on October 5, 2008, 6:43 pmJust to add ... why apply the same card from the same bank lah my friend ? Best practice when you are travelling is to carry cards of different banks. If one fails at least you have a chance from another bank. If Bank A fails ... most probably both cards that you carry will fail as they use the same authentication gateway.

Well if you still want to do it .... you can only apply for a MC if your current card is already a VISA and likewise. Not sure about whether you will get shared or seperate CL but seperate CL will not be combined if you cancel one of the card.

This post has been edited by hye: Oct 5 2008, 06:45 PM

Its not hard to approve...i also got one but i cancelled it coz its not free for life, although the points are 10x when u use the card...but still u need to pay RM75 if im not mistaken to activate this "10x points" thingy


The free gift only for New cardholder and not applicable for existing cardholder if im not mistaken..
Go ask properly..

Not to be rude or anything ... this is a thread for credit card my friend. Your question is for an AMEX charge card.

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Added on October 5, 2008, 6:48 pmYup ... I concur ... the gift is only for new cardholders only and not applicable for existing cardholders.

This post has been edited by hye: Oct 5 2008, 06:48 PM