Cash Advance interest starts right after u get ur cash(means no free interest charge period) and they are charging you 1.5% per month.

Right on top of that, they will charge u 5% processing fee or RM50 ringgit(if i'm not wrong) withever higher...


means if u withdraw 2000 cash using ur credit card, u have to pay extra 100 processing fee + RM360 per year...

that's Along interest larr~

This post has been edited by TeraPox: Jul 31 2008, 02:48 PM

0% Interest-free Installment Plans => Means what?

means... say, u buy 1 tv for 1999

u pay 166.58 per month for 12 months with no interest charged...

@TeraPox,
So fast oredi accumulated RM2.3k and change for gift some more?! Last time I checked, U said U haven't even received the Amex Plat *gulp*

And uh... what's Mizu btw?! *grins* Japanese restaurant ah?!

it means during that period the bank will not charge u any interest.

MIZU great.. got kobe beef...RM150 per potion(80gram)

got friendz gathering there.. total bill 2300, divided by 8, i paid with my "virgin" card and they pay me cash *grins*(quuite buzy nowadays.. so no time to houlian(just kidding)... will post the photo soon)

so i got 23000 point , and can exchange with the Dect phone.. but haven't got the phone larr...

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Added on July 31, 2008, 5:44 pm

yah.. no interest.. as long as u pay the installment on time

This post has been edited by TeraPox: Jul 31 2008, 05:44 PM

wrong section...soli

This post has been edited by skycs: Jul 31 2008, 05:52 PM

1. Which is better, CIMB or RHB?

2. Can i apply 2 cards (both visa n mastercard) at the same time and place, or i get to choose one only?

3. If can choose one only, which is better, visa or mastercard?

4. How long does it take for the application to be accepted/done, and when can i use the card?

5. i only work for a month now. can i use my appointment letter instead of using my payslips?

6. What documents should i bring during the application? copy of IC? Copy of bank account book? payslip/appointment letter?

Your help would be verrrry much appreciated!

Thanks guys

All these while, I mention about my CC application being rejected by HSBC. Today I got a call from HSBC Medan Pasar telesales offering me Visa Gold without any documentation, as they refer to my PV account which is where my company banks in my monthly salary.

- 5 years annual fee waiver.
- Free HSBC Limited edition Lion Pocket Watch*
*subject to RM300 spending

I think not going to apply for it, as:
1) I'm consolidating points with MBB CC at the moment.
2) MBB 2x Amex, 5x Petronas has better TP
3) I feel MBB CC benefits/rewards are better overall.

Anyone want to convince me on HSBC CC benefits/rewards ?
e.g. sometimes Citibank CC are allowed to buy-1-free-1 Coffee Bean drinks.

Or just hold on to it since 5 years free ?

1) So far I see, CIMB

2)Can we can apply both

3)U can apply both cards... benefit wise, same larr... no much different..

4)depends on bank... Maybank is a Snail and Citibank is a Cheetah.... and alliance bank is a rock...u get what i mean?

5)Ya, u can do so... but normally they will ask for 2-3 months salary slip...

6)actually nowadays, u only need to provide ur IC, payslip.. or other credit card as reference. since u don't hav other cards, just ur IC and payslips will do the trick...

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Added on July 31, 2008, 6:42 pmwhy do we need to convince u on HSBC CC benefit? we don't work for them...


ahahaha... but anyway.. take it lar, since it's free for 5 years... the card comes with quite a number of benefits...
for last few years, I'm a happy customer...

This post has been edited by TeraPox: Jul 31 2008, 06:42 PM

1. CIMB
2. Can apply both
3. Both also good
4. 2 - 4 weeks
5. must have payslip i think, unless you r an accountant with MIA membership or Dr with MMA membership, DA will offer you straight
6. copy of ic, payslip, EA form, BE form

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Added on July 31, 2008, 7:05 pmapply both HSBC and MBB

This post has been edited by muscaa: Jul 31 2008, 07:05 PM

You may apply both of it because of HSBC has their different promotion season of the card holder, May is Fashion get discount, and now is swipe 7 times free you an air ticket to changi airport. For Maybank, you can get free petrol when you pump your oil at Petronas. So, i have conclude that, go shopping and dinning use HSBC, go pump oil and easy payment use MBB (cause most merchant got EPP for MBB)

Cheers mate

I was rejected for my HSBC CC application. Same goes to my friends. They applied together with other friends, out of 5 persons applied, only 1 accepted, others rejected. But, all of us have same salary and work in the same company~

Just now went Maybank Treats Fair, applied for MBB Petronas and MBB Amex~ For Petronas CC, already approved and got the temporary CC while they are processing for the original card. For Amex, they said around 2 weeks.

today just drop by the treat fair and browse thru lor.. lazy to go around as the place are so packed with people , the officer say process of application took around 1 and half hour.. get a temporary card for 4 days ( in use only for treat fair ) and will receive the life card around 1 week time.

Anyone visited the fair and what great bargain do you found there for TP and MBB cards?

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Added on August 1, 2008, 6:22 amlast few months i applied the AMEX Charge Card from a officer in a shopping mall with my other two colleagues and i gotta my card but the other two were rejected.. i think perhaps they consider how much card you have , limits or total outstanding balance are used to the person to approve the card. some of the bank even avoid high risk job like lorry driver, florist , even the paycheck are eligible to apply but they still decline the application..

I think the approval rate at the MBB Treat Fair will be higher than normal , even the card sales officer are more than 30 at the main entrance (as what i saw today) , that shows MBB are targeting quite lots of new application and shoppers inside the area are being offer goodies thru MBB cards itself too.

But i only wondering BNM limit how many banks to offer card to an individual..

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Added on August 1, 2008, 6:27 amanyone here holding three AMEX card at a time? i mean MBB Amex card, AMEX Charge Card and AMEX Platinum Credit Card , i believe this three card does have separate limit right? is it possible to get three card at once ?

This post has been edited by Reventon: Aug 1 2008, 06:27 AM

I looked at the catalogue and so far the only things I am interested in are the vouchers and maybe the smart tag.

anybody went to maybank fair at midvalley?
any good/cheap stuff to buy?

Thank you for your advise on my HSBC CC offer. Maybe I submit application to try, after all might not be approved again...

@TeraPox,
RM2.3k for 8 pax would mean RM287.50 p/person! Now that is a LOT of $ to spend on a meal but well.. if U haf the $ Y not? Ok.. I'm not going to think twice about that dinner invitation to that place uh... at Pavilion anymore! So, set the date and time!

For those who's visited the fair [U people sure are fast!], are they giving our annual waiver fees (and if so, for how many years?) for new applicants? And which card does it apply to?! I'm interested only in the Amex Plat

1. RHB Bank
2. Maybank
3. HSBC
4. EON
5. Citibank

Anyone know the requirement for apply this credit card?

@jtcs87,
U lazy bum! The banks U listed have several different cards - to know the exact requirement, just get onto their websites and browse through the different cards U want.

This is NOT the place for us to do ur homework for U!