I can testify to that

@tishaban,
No the amount on annual fee waiver isn't credited into ur account immediately - U'll see the adjustment when they've bill it to U like what hye says. I ain't too sure about MBB though cause the only CC I use issued by MBB is the Amex one.

Also, I don't think Citibank has any other cards to upgrade U too; Platinum's their highest category oredi lah ! *doink*

@tgeoklin,
The point is that if Citibank wants to upgrade my card and give me a 'better' lifestyle or higher spending power [like what their letter writes] they shouldn't be offering me an upgraded card with a lower CL than my current one. I find that totally stupid!

@soitsuagain,
It's good that Citibank offered U high CL. Having been a faithful and loyal Citibank CC user for close to a decade now, the amount of CL they've offered me is totally ridiculous. It is not low but it's definitely not as high as what other banks have offered me.

This post has been edited by tinkerbel: Oct 15 2008, 03:56 PM

Hi all, I've never apply for a credit card before. Recently got agents from approached me (not MBB) I decided to apply for a classic Master. From the latest Borang BE submitted stated I got Jumlah Pendapatan of RM30790. Jumlah cukai Pendapatan=RM310.39 then after some rebates the tax I need to pay is none. So the agent said I'm not qualified for classic card. They said need tax payment receipt which I don't have. I thought the minimum requirement is annual income of 18k? They said if I got a housing loan then maybe got chance. I own a house which is fully paid up. So no loan they said cannot. I'm blur. Why someone in debt got better chance of getting just a classic card? Can KWSP statement help in card application? Since I got around 100k in there.

This post has been edited by seeseng: Oct 15 2008, 04:34 PM

Well, all banks have their own sets of evaluation criterias and Citibank to my knowledge has been once too generous and they sort of wised up after the 1997 financial crash while HSBC went the other way.

But regardless, its ridiculous to caompare Citi to MBB as overall its a no brainer

I just redeemed 2 tickets from MBB, guess what, its takes any time from 3 weeks to 4 weeks for me to receive them. Go figures

MBB Boleh

if like wat u said, i think there would be lots of ppl in msia cant apply for "classic" card liao loh.

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Added on October 15, 2008, 4:50 pmbut for my experience, i redeemed a baby car seat + a walker, quite pretty fast, within abt 10 working day i received the goods liao oh.

This post has been edited by boonsin23: Oct 15 2008, 04:50 PM

in my case citi has been offering quite high CL , no comment on other services as i'm just receiving their card for only one month. MBB is still acceptable except the bad thing is they combined my visa and amex plat cc, which i think the amex plat cc should be a standalone card.

Woh, you must either be the exception. When you redeem? I was just about 30 mins ago.

@tgeoklin,
Ah well.. at the v least I didn't get a combined CL - dun care about Citibank, I'm boycotting oredi !! kEKekekKEkekekee...

As to Amex being accepted at petrol stations. Well, I haven't had ANY problems with mine thus far. Maybe I'm just lucky? *shrugs*

if im not wrong i shd redeemed on 08/08/08 (that's y very easy to remember) then i was abt 25th/26th received the goods.

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Added on October 15, 2008, 5:24 pmdo u mind to gimme 4 numbers??

This post has been edited by boonsin23: Oct 15 2008, 05:24 PM

That's their treat fair period if I am not wrong. So they were prepared then. But now its their normal business practice, so maybe you shd try redeem something now and see???

oic, but i was printed out the form and faxed it back to them, i didnt realized there was their treat fair, haha.

Lucky U

I applied CC lately without needing to attach statement or payslip. All they needed to know was 'whether I hv a homeloan more than a year' or not. They crosscheck with CCRIS?

Of course

So if you are screwed once, you are totally screwed

wirelessdude,

In your case, it's a matter of you being too good a paymaster, or what bank would call "low net worth" customer. In simple terms, it means they can't profit much from your usage, and with free annual fee card available everywhere, the bank may lose RM24 (that's the amount to produce a credit card) just to supply you a piece of plastic card.

Thing is, the bank can only make some profit out of your usage if you use your card at the bank's merchant. Assuming you do go to their merchant and swipe 8k a month and settle immediately, they make 1% to 2% out of your usage of the card on their merchant (that's why most I.T. retailer charges you 1% to 3% if you use your card). That's RM80 to RM160 per month. Worse if you use it on other bank's merchant, they get nothing out of the deal.

As far as I know, AirAsia is RHB merchant, and RHB really sucks in terms of retail Merchant base (most merchant are either MBB, CIMB or HSBC).

I'm only on regular Gold card, not even platinum. I spend less than RM10k each month with a credit limit of maybe RM15k (can't recall) so I'm small peanuts to banks Come to think of it, I don't have any Platinum cards. And it feels good


Talking about using Amex to pay for minyak, I've used it successfully at Caltex and Shell. It almost always gets rejected at Petronas. Don't use any other gas stations. I prefer Shell now, I get points with Amex and Bonuslink!


This post has been edited by tishaban: Oct 15 2008, 06:00 PM

It can be used at Shell. I use my AMEX to pay at Shell all the time.

want to ask on citibank cash back....if there is no balance carry forward, then i will get the cach back depending on the amount i spend for the current month right?...thanks...

How about hypermarkets? JUSCO? TESCO? GIANT?

JUSCO, GIANT and CARREFOUR all do accept AMEX. Not sure about TESCO as i have never shopped at TESCO. AMEX acceptance generally is good at all big corporations.

AMEX is also accepted at :
- KINOKUNIYA Bookstore
- MPH Bookstore
- TIMES Bookstore
- PARKSON
- ISETAN
- METROJAYA
- SOGO
- GUARDIAN
- WATSON
- SPEEDY Video
AND
- KL Sentral ERL Ticket Counter
- Airport LIMO KLIA
- All Shops at KLIA
- 4-star & 5-star Hotels such as Vistana Hotel and Imperial Hotel
- All the Big hospital such as SJMC & SMC
- ASTRO Showroom
- TONG HING Supermarket Kota Kinabalu
- MILIMEWA Supermarket Kota Kinabalu

I use my AMEX whenever possible due to the RM1 = 2X Treatpoint system