minimum income for plat normally starts from 60k pa with a limit of 20K, so if yr gold card limit is above 20K, very good chance to be invited to upgrade 

Ok thanks.

Wanna ask:

Among CIMB, Ambank, RHB, Affin, EON, Public Bank, HSBC, and Std Chart, Which bank's credit card is the best in terms of promotions, cash rebates and point redemption and etc? Thanks!

what kind of redemption you need, even same company but different card had it own benefit...

No card is perfect, but find the card that suit for u

Among CIMB, Ambank, RHB, Affin, EON, Public Bank, HSBC, and Std Chart, Which bank's credit card is the best in terms of promotions, cash rebates and point redemption and etc? Thanks!

CIMB and MBB are the best. Lots of promotion year round. Treatpoints needed to redeem things from MBB generally are lower than most banks. CIMB on the other hand, got many selections. You should see the CIMB "Rewards Catalogue" they sent to me early this year.

Anyways, HSBC and Citibank aren't too shabby either but neither can beat CIMB and MBB.

service wise..
1. HSBC
2. OCBC
3. SCB

last :- Citibank

my card was loss, i use it at shopping mall and 4get to take back..... the bank tell me, the card had been used a few times..... 
u guys know wat happen to those transaction? i need to pay??   

Yeap. They accept cards at the counter (Kedai Tenaga).

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Added on October 23, 2008, 10:06 am
Negligence due to the cardholder. You have to pay for it.

Here's what likely to happen if you do the report

- The bank will still ask you to pay because the authorised transactions occured before you reported your loss. Unfortunately, you are liable for it - read your card T&C and you'll see what I mean.
- Can try your luck but bank will say that either they will suspend payment for the disputed transactions (best case) or they ask you to pay first and then claim once the culprit is caught.
- Report to police and they will check the CCTV. If the CCTV capture is good and they haven't deleted the tape then maybe you can check but it'll probably take months before they can close the case. (Unless you are a VVVVIP)

Conclusion - you can try but be prepared for a very long wait and there's a chance that you will still lose in the end.

Err, do I have to pay for replacement if my CC cracked and can't be read anymore?

If it's the defect due to bank's fault, no need to pay.

If it's due to your negligence or lack of care, you may be charged.

Uh, I think I swiped too much..

Is the chip damaged? Still able to swipe? If still can swipe, I doubt that the bank would replace a new one for free.

Here's what likely to happen if you do the report

- The bank will still ask you to pay because the authorised transactions occured before you reported your loss. Unfortunately, you are liable for it - read your card T&C and you'll see what I mean.
- Can try your luck but bank will say that either they will suspend payment for the disputed transactions (best case) or they ask you to pay first and then claim once the culprit is caught.
- Report to police and they will check the CCTV. If the CCTV capture is good and they haven't deleted the tape then maybe you can check but it'll probably take months before they can close the case. (Unless you are a VVVVIP)

Conclusion - you can try but be prepared for a very long wait and there's a chance that you will still lose in the end.

Lodge a case and raise a dispute with the bank, good luck!
My friend lost his card and he lodge a police report and filed in a dispute with the bank.

Eventually, he had to pay small amount of the bill only.

For anybody monitoring that Standard Chartered's 7% Petrol Rebate when using their Debit Card to pump petrol, I have known about this earlier, and would like to provide an input : The 7% rebate is only for RM 100 petrol pumped per month, and if you use more than RM 100 of petrol, the excess petrol pumped does not carry any rebate.

Thus, in other words, one can only claim RM 7 per month.

I think no point-lah,...........

Oh ... craps. Never mind. It's expiring soon.