Credit Card Thread V4, Plastic Money @ World Access
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 Oct 14 2008, 11:18 AM
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Junior Member
182 posts Joined: Oct 2007 
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A few questions to ask
I have been charging my HLB card to help my company buy air ticket mainly Cathay Pacific. Is there any card out there that give more benefit when buying Cathay Pacific air ticket by using it? Does paying your credit card before the statement arrive affect your credit reputation? eg: charge rm2k pay back 5 days later, in the end your statement have only a few hundreds to settle. |
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Oct 14 2008, 11:24 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(Vivato @ Oct 14 2008, 11:18 AM) Does paying your credit card before the statement arrive affect your credit reputation? I don't think so it helps much as I think all the bank does is to check whether you do pay your dues on time and the quantum of your payments/spendings. Credit card does provide a "temporary delay" to pay for your purchases while providing a means of not carrying cash around - I suggest you to just capitalise on this convenience and it works to your benefit if you manage your finances well.eg: charge rm2k pay back 5 days later, in the end your statement have only a few hundreds to settle.  |
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Oct 14 2008, 11:37 AM
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Senior Member
763 posts Joined: Sep 2007
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citibank takes 3 weeks to process a credit card application? that's abit too long ..
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Oct 14 2008, 11:45 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(princessgalaria @ Oct 14 2008, 11:37 AM) citibank takes 3 weeks to process a credit card application? that's abit too long .. I believe it is like up to 3 weeks. If you want it faster, walk over to the bank in Menara Citibank and they can have the card in 1 hour. |
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Oct 14 2008, 11:49 AM
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Senior Member
763 posts Joined: Sep 2007
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I thought they have to look through documents and see whether to approve or not? So fast 1 hour?
3weeks is ok for me if I'm not rushing to buy a ticket, I guess now I have to forget about it and just buy my ticket before the promo period ends than waiting for that card, not like I'll definitely get approve |
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Oct 14 2008, 12:31 PM
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Senior Member
1,008 posts Joined: Mar 2008 From: Kuala Lumpur 
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QUOTE(princessgalaria @ Oct 14 2008, 11:37 AM) citibank takes 3 weeks to process a credit card application? that's abit too long .. For citibank, this is from my experienceEvening of Day 1: Fax the credit card form + photocopy of IC + photocopy of current credit card Noon of Day 2: Agent call saying approved Noon of Day 3: Went to Menara Citibank and got my card. Could have got it done on Evening of Day 2 but I'm not free then If you want I can give you the contact number of the agent. Quite good service  This post has been edited by auhckw: Oct 14 2008, 12:32 PM |
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Oct 14 2008, 12:41 PM
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Senior Member
2,656 posts Joined: Nov 2004
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QUOTE(auhckw @ Oct 14 2008, 12:31 PM) For citibank, this is from my experience You already have current credit card, that's why it takes so fast. For new application, normally it would takes up to weeks.Evening of Day 1: Fax the credit card form + photocopy of IC + photocopy of current credit card Noon of Day 2: Agent call saying approved Noon of Day 3: Went to Menara Citibank and got my card. Could have got it done on Evening of Day 2 but I'm not free then If you want I can give you the contact number of the agent. Quite good service |
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Oct 14 2008, 12:53 PM
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Senior Member
763 posts Joined: Sep 2007
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QUOTE(auhckw @ Oct 14 2008, 12:31 PM) For citibank, this is from my experience Hm, so you own an existing card? I don't .. LOLEvening of Day 1: Fax the credit card form + photocopy of IC + photocopy of current credit card Noon of Day 2: Agent call saying approved Noon of Day 3: Went to Menara Citibank and got my card. Could have got it done on Evening of Day 2 but I'm not free then If you want I can give you the contact number of the agent. Quite good service My agent slow slow, I ask him what he also unsure .. *faint* I already submitted my application .. |
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Oct 14 2008, 01:41 PM
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Senior Member
1,230 posts Joined: Sep 2008
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QUOTE(princessgalaria @ Oct 14 2008, 12:53 PM) Hm, so you own an existing card? I don't .. LOL New applicants always take longer time to process as unproven credit history etc. Every bank also more or less the sameMy agent slow slow, I ask him what he also unsure .. *faint* I already submitted my application .. |
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Oct 14 2008, 02:47 PM
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Senior Member
3,615 posts Joined: Feb 2007
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QUOTE(tinkerbel @ Oct 14 2008, 09:49 AM) Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc. If U don't need it then forget it. Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!] I guess I must be doing something wrong with Citibank, I've been a Citibank customer for 3+ years and no upgrades offered   btw, when you request for the annual fee waiver, do you see the amount credited right away? It's been 2+ weeks and I don't see it on my MBB card. |
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Oct 14 2008, 03:07 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(tishaban @ Oct 14 2008, 02:47 PM) I guess I must be doing something wrong with Citibank, I've been a Citibank customer for 3+ years and no upgrades offered Same thing with me ... Citibank very slow @ this till I gave up and ran away.btw, when you request for the annual fee waiver, do you see the amount credited right away? It's been 2+ weeks and I don't see it on my MBB card. The annual fee waiver for MBB will be waived @ the point of your billing cycle. So, if nothing by then ... call them up. If they don't want to waive then just say goodbye to them and cancel the card ! |
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Oct 14 2008, 03:45 PM
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Senior Member
1,230 posts Joined: Sep 2008
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QUOTE(tishaban @ Oct 14 2008, 02:47 PM) I guess I must be doing something wrong with Citibank, I've been a Citibank customer for 3+ years and no upgrades offered To be eligible for upgrades, its a norm for you to have good payment record & of course, spending near to yr credit limit btw, when you request for the annual fee waiver, do you see the amount credited right away? It's been 2+ weeks and I don't see it on my MBB card.  |
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Oct 14 2008, 04:39 PM
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Junior Member
29 posts Joined: Oct 2008
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planning to get a credit card. my first. im confuse with the annual salary of at least 18k, means 2k per month...
my salary is 2k but after epf/socso etc, it became 1.7k. am i still eligible to apply? they look at 'gaji pokok' or 'gaji bersih'? |
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Oct 14 2008, 05:20 PM
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Senior Member
2,921 posts Joined: Oct 2007 
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QUOTE(reinani @ Oct 14 2008, 04:39 PM) planning to get a credit card. my first. im confuse with the annual salary of at least 18k, means 2k per month... It should not be a problem , give it a try on local bank cc, as approval are easier.my salary is 2k but after epf/socso etc, it became 1.7k. am i still eligible to apply? they look at 'gaji pokok' or 'gaji bersih'? |
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Oct 14 2008, 05:28 PM
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Senior Member
3,801 posts Joined: Mar 2007
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QUOTE(georgechang79 @ Oct 13 2008, 11:20 PM) you can download the IE plugin for firefox at here. Hey, thanks. You are the man! https://addons.mozilla.org/en-US/firefox/search?q=ie&cat=all  |
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Oct 14 2008, 05:39 PM
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Senior Member
783 posts Joined: Jan 2007 From: Definitely not U.S and A!!!
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QUOTE(tinkerbel @ Oct 14 2008, 09:49 AM) @ICDeadPeople, Well, I saw afew post that said they are boycotting maybank. Similar like you, I have no clue at all.Are people boycotting MBB?! Now that's not something I'm aware of but then again, I've been on the move so much I haven't been able to keep up with U guys here. On the contrary, I'm boycotting Citibank! Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc. If U don't need it then forget it. Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!] Out of curiousity, did they give u a big margin of CL increase? [I think I'm still bitter over the fact that Citibank gave me an upgraded card but reduced my CL!] They do give increase in CL, around 6k extra. |
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Oct 14 2008, 05:43 PM
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Senior Member
3,801 posts Joined: Mar 2007
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QUOTE(tinkerbel @ Oct 14 2008, 09:49 AM) @ICDeadPeople, So far among all my cards, Citibank give me the highest credit limit, which is still increasing.... Are people boycotting MBB?! Now that's not something I'm aware of but then again, I've been on the move so much I haven't been able to keep up with U guys here. On the contrary, I'm boycotting Citibank! Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc. If U don't need it then forget it. Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!] Out of curiousity, did they give u a big margin of CL increase? [I think I'm still bitter over the fact that Citibank gave me an upgraded card but reduced my CL!]  Because of this alone, I cancel lots of other cards. Lets just say my Citibank card absorbs all of them.  Now I only have my Citi and MBB. I know different card have different perks, discounts blah, etc...but this only encourage spending which is not good. I know that because I have bought many things I do not need just because during a certain promotion period, they have discount this and that. Not to forget that it actually dilutes your reward points. |
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Oct 14 2008, 08:16 PM
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Senior Member
3,887 posts Joined: Jun 2008
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QUOTE(soitsuagain @ Oct 14 2008, 05:43 PM) So far among all my cards, Citibank give me the highest credit limit, which is still increasing.... You phailed Because of this alone, I cancel lots of other cards. Lets just say my Citibank card absorbs all of them. Now I only have my Citi and MBB. I know different card have different perks, discounts blah, etc...but this only encourage spending which is not good. I know that because I have bought many things I do not need just because during a certain promotion period, they have discount this and that. Not to forget that it actually dilutes your reward points. The force is not with you... Keep applying new card is the fastest way to increase credit limit without having to fax them a shit. 4k SBB -> 9k HSBC -> 13k Citi -> 18k Alliance in 2 years... but think again, do we really need all these... I just couldnt stand persistant sales girls nagging me while Im pumping petrol or eating... This post has been edited by andrekua: Oct 14 2008, 08:19 PM |
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Oct 14 2008, 08:19 PM
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Senior Member
3,615 posts Joined: Feb 2007
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QUOTE(tgeoklin @ Oct 14 2008, 03:45 PM) To be eligible for upgrades, its a norm for you to have good payment record & of course, spending near to yr credit limit Haha maybe that's what it is. I pay on time, spend close to 6 figures in a year but since they started me out with a pretty big credit limit I hardly ever come close to it and don't plan to go anywhere close to the limit... |
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Oct 14 2008, 09:44 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(tishaban @ Oct 14 2008, 02:47 PM) btw, when you request for the annual fee waiver, do you see the amount credited right away? It's been 2+ weeks and I don't see it on my MBB card. Speaking of MBB credit card annual fee waiver. I currently own a MBB AMEX Gold Credit Card and just about 2 weeks ago i found out that MBB recently introduced a new credit card range called "Ikhwan" and it is free for life as long as you swipe the card 12 times/pa which i am sure is a piece of cake to everybody. Now i am thinking to convert my MBB Gold AMEX Credit Card to the MBB Ikhwan AMEX Gold Credit Card. I don't want to call their CS every year just to ask for fee waiver because it is such a waste of time.QUOTE(reinani @ Oct 14 2008, 04:39 PM) planning to get a credit card. my first. im confuse with the annual salary of at least 18k, means 2k per month... It is based on your gross salary, which means your "gaji pokok".my salary is 2k but after epf/socso etc, it became 1.7k. am i still eligible to apply? they look at 'gaji pokok' or 'gaji bersih'? This post has been edited by MilesAndMore: Oct 14 2008, 11:01 PM |
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