It all depends on the bank and your luck. I know someone who gets their CIMB cc credit limit upgraded every 2-3 years by the bank. However, you can trigger the CL upgrade faster if you send in the proof of your new income to the bank.

There are cases in this thread where CL upgrades happens very aggresively but please take note that those will not happen to every single cc holder of that bank nor it will happen just because you make prompt payment every month. Take myself for example, I have been paying my Citibank's promptly since the last few years and I only get a CL upgrade by the bank once around 2-3 years and my application for a upgrade is always rejected.

I always pay in full and never miss a payment ... go figure

This post has been edited by hye: Oct 9 2008, 02:41 PM

wanna ask UOB ONE card holder,do u have any discounts when u purchase movie ticket using ONE card?

couldn't find any info on their page but i remember someone mention it before...

Here's what happened to me (I'm a freelancer with no salary & business reg btw)...

Feb 08 - applied HSBC gold card, got CL RM9,500.

Aug 08 - automatic CL increase to RM11,000.

Sep 08 - called to complain about CL and CL increased to RM20,000.

Oct 08 - upgrade to Premier customer and given card with CL RM40,000.
(P/S: still can't find any useful privilleges with Premier cards)

This post has been edited by wirelessdude: Oct 9 2008, 03:48 PM

Aiyah, card is free for life mah

I'm using UOB One card, the discount for movie ticket only applies to GSC. And over the counter, internet booking payment not considered. And... the discount is technically a rebate, your bill will still show the normal ticket price.

This post has been edited by hocklai8: Oct 9 2008, 04:02 PM

If that's the only privillege (which isn't one anyway since most banks waive the fees), I don't see why people would need more than one credit card.

how to complain to get so high limit?

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Added on October 9, 2008, 4:52 pmhow's ur monthly usage? do you pay all or in debts?

This post has been edited by JamesPond: Oct 9 2008, 04:52 PM

i don't think there is a way to " complaint " which result in tremendously CL increase, i believe he has been dealing with Hsbc all these while and that's why he get it by a phone call.

i think he is in heavy debts so the bank like to give him more credit

Look at it this way. You put in 200K in FDs and get only 40K limit, is that considered high?

Monthly usage averaged RM8k and I pay in full every month.

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Added on October 9, 2008, 6:34 pmIt's not all in FD but a combination of FD, unit trust and foreign currency. Well, most of the time it's just for ego because I don't see myself spending RM40k in a month.

This post has been edited by wirelessdude: Oct 9 2008, 06:34 PM

hey, 8K per mth is pretty respectable

however its not what you spent up to that's at stake here, for if there is a dispute on say, unauthorised transactions, the bank in most case will unilaterally offset the o/s amt with whatever deposits you have with them

My bro also have many credit cards, all with very high credit limit as he does his business with it ended up uses a lot and pay in full every month too. But he also manages a huge savings so that in case his customer failed to pay promptly to him he can use his cash to pay the CC and not incurring any interest. Every 3 months he would get something for my parents via his rewards point. The last time he gets my dad a video cam and guess what, it looks like its mine cause I use it all the time.

basically it's just 5% smart cash rebate.

@hye

Thanks for the sharing, actually i heard that Citi will people says increase your CL every half year, why they didn't do it, i also don't know.....whoa 2-3 years, have to wait so long meh? very ma fan 1, coz i want to get a gold card with more privilege mah.

@wirelessdude
Unbelievable, you CL raised to RM 40K in one year.... So nice, can apply and get most of the Platinum card.

@for myself
Still have a long way to go, just wait and see end of this month, if not i will complaint to CIMB. haiz, so funny, last time dial to their CS, they looks like lazy to entertain you 1, it makes me very unhappy with it. Thanks for the suggest and discussion!!

Shouldn't be any charge.

Try this one:
http://www.maybank2u.com.my/promotions/may...c08/index.shtml

Valid from September to December 2008.

You know what's so funny? While I can get a CL like that from HSBC, Citibank rejected my application for a basic AirAsia card outright just because I'm a freelancer - 2 total extremes!

sometime this problem does occur, but then still got chance to apply for it. Bank target segment customer usually different, but i believe majority bank here will approve your application.

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Added on October 10, 2008, 4:22 ami remember once a banker from citi told me one of their non target segment customer is who operate florist.

This post has been edited by Reventon: Oct 10 2008, 04:22 AM

wow, sounds good suddenly feel proud that I'm using Shell Citibank card if I happen to drop by that station Jz Kiddin!