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 pm

Just 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.

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 pm

Yup ... I concur ... the gift is only for new cardholders only and not applicable for existing cardholders.

Right I just started working and was thinking I need a card to make things easier,but I'm new to the whole card thingie. So what exactly should I be looking for when goin out there to find a card? No,I don't have a huge bank balance. Any recommendations? (only have a maybank account thus far)

The answer to the question that many here have asked before in many varieties.

Some people will say get a card with your bank or get a card which suits your lifestyle. Whatever you do, get something which you think will suit you best (only you know this) coz different banks have different product offering which caters for the many type of customers out there!

I will say ... I don't think Citibank is good and someone else will say otherwise. It all depends on individual preferences my friend. It is actually simple ...

1. Get a card you like and stay with it for a while until they want to charge you annual fees.
2. Bank waives the fee ... you decide to stay on or not. If they don't ... cancel card and move to another bank.
3. You don't like the cc service for whatever reason ... cancel the card and get out.
4. More importantly >>>>  Be a responsible cc user and don't come back here with a huge cc debt and telling us we didn't warn ya.

Sorry if my words are a bit strong .... just being straight forward.

Petronas CIMB / MBB or DA Mastercard for petrol rebates.
Citibank Shell / RHB Travel Money also but I don't fancy it

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 ?

What is the requirement of Premiere card? is it higher grade than platinum, can get so high -- RM40K limit ?

It is call the HSBC "Premier" not "Premiere". Yes ... it is a higher grade than Platinum (Infinite is VISA's version). You need to have min RM200K in total deposits/investments with HSBC. If you want an intro ... PM me.

I think he meant Standard Chartered E Saver Debit Card

I am using it right now, but do not get any rebates as promised...zzz

All the HSBC Premier Mastercard cardholders i know have AT LEAST RM40,000.00 of credit line for the exclusive card. So i guess RM40k is the lowest credit line/entry level for HSBC Premier Mastercard.

How come RHB will give 2 cards? is this normal? anyone got these two cards which is used for which?

How come RHB will give 2 cards? is this normal? anyone got these two cards which is used for which?

Wait till you hear what's the entry level CL for RHB's VISA Infinite. It is RM200K ... yes ... you heard me right.

Before anyone here can get excited about this ... of course getting this card is not easy. You need to have LOTS of deposit with the bank in order for you to be "offered" this card. Unlike SCB's version of the Infinite, you can't walk into the bank and apply for the card. It's not available for application ... by invitation only.

I thought the infinite card can be applied? The annual income i think is around 380k to qualified for the card, which mean 31.6k per month, 200k limit is way too high for that income. Anyone here holding that card ? But indeed Rhb does give quite decent limit for their card, like their platinum requirement are only 60k per annum, but they give out 25k limit minimum.

How come RHB will give 2 cards? is this normal? anyone got these two cards which is used for which?

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.

I thought the infinite card can be applied? The annual income i think is around 380k to qualified for the card, which mean 31.6k per month, 200k limit is way too high for that income. Anyone here holding that card ? But indeed Rhb does give quite decent limit for their card, like their platinum requirement are only 60k per annum, but they give out 25k limit minimum.

Dear financial guru's..

Lets say i have a history of bad payment to the bank for my credit card, and coz of that, I might have problems applying new credit card/personal loans (bad ccris/ctos record).

But if I would like to get a sub-card from my mom, does the financial institution still check my background with the banks? (eg my ccris/ctos record) and do they still require any documents from me?

What are chances of the sub-card being approved?

Hope there is someone here with the knowledge to enlighten me! 

Cheers...

just now received a SMS from Citibank, it's inviatation to TANGS 1st Anniversary Closed Door Event on 9 Oct 10am-10pm.

Get up to 70% off & more!  Bring up to 3 friends! T&C apply.

what's is got inside TANGS le? likes another Isetan Sales?