The above is more likely to be applicable should you defaulted on your payment and you still do not make payment after the bank attempted to collect from you a few times.

In the first place, you should be more careful if you know you tend to make such "accidents". Why don't you remove that auto debit facility and make it a point to pay manually every month ? Some people may not like this as their excuse is the lack of convenience but it forces you to remember to pay those dues instead of thinking that the auto debit is a "safe zone".

I'm unsure myself of what sort of scenario you got yourself into. Well, the company cant dictate how you manage your account or tell the bank that they want to control your account - this would be a violation of your own rights.

Well ... since it sounds like your bank is likely just a executioner of a standing order, I don't think it's your bank who will send something to CCRIS or CTOS. It is more likely to be the company. Again ... why get yourself into such trouble ? It is either you make sure there's money in the bank or make it a habit to pay every month. Well ... I'm not sure what exactly are you paying for but good luck.

Agreed. It'll be a miracle if you can get your card within 1 week. Plus, you are asking ppl to look for you and rush the application. Mind you whether they rush it or not, they still get the same amount of commission. Why do more work for you for nothing ?

Suggest you scale down your expectations.

This post has been edited by hye: Aug 28 2008, 10:11 PM

I am using the Verified by VISA service. It's pretty good actually as in a way the bank is able to verify that it is you who is using your card for online purchases. I can understand why the liability is transferred to the consumer as if you forgot or allow the password to fall into the wrong hands, it is the equivalent of you giving the keys to your house to a thief. Treat it as if it is your online banking password and it will be OK.

Initially not a lot of websites have this features but the numbers are growing. The only downside IMHO is that you need to remember the password or it will be a lot of work to reset the system again. It is all self service - well at least in HSBC at least.

One of your iPhones? Does this means you have a lot of iPhones ?

@Norns

What you signed up for was the iPay plan from CIMB for CIMB/DA card holders. I think your merchant "tricked" you into believing that the EZ installment was theirs but the real fact it was the bank's.

A lesson for everyone to be aware of your own bank cc's service offerings. Don't allow them to con you.

This post has been edited by hye: Sep 2 2008, 10:23 PM

It is "give" you some suggestion and not "gift". You should apply a credit card based on the best product to suit your needs not based on the best gift. *shruggs* (Please .... in case anyone ever ask this question again)

In case anyone have this thought, why don't you drop down to MATTA fair and I'm sure there's plenty of cc offers.

Well, some credit cards allow the principle holder to assign a seperate limit to the supplementary. This means that the supplementary would have a scenario like what you describe above. Anyway, any supplementary card holder will be provided a seperate account but not necessarily different statement.

Unless you are the principle card holder (which carries all the risk), you should not worry about this setup.

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Added on September 6, 2008, 4:41 pmFully agree on this one. I don't want to carry like RM20k in cash just to pay my hotel bills should I travel to Europe. (Not to mention carrying cash this much is totally unwise even in Malaysia)

This post has been edited by hye: Sep 6 2008, 04:42 PM

It is generally the same across all banks except if they banks have promotions for a specific product. For example : MBB Petronas 5x TPs or maybe UOB 2x UniRinggit Points when you use it overseas. It is also great for online purchases and they provide you with fraud protection in case you are cheated. (Speaking from personal experience)

And yes ... CIMB Mastercard does have points. Check your credit card statement and you'll see it at the bottom right of the first page of your cc statement.

Well, if you are paying for the item and so happens they accept credit card - why don't you get yourself rewarded with some points? Like everyone says here ... credit card works both ways - it can either provide you with a wealth of conveniences and benefits or misery depending on how does the card owner uses and pays for it.

This post has been edited by hye: Sep 6 2008, 05:18 PM

Each bank points system is unique to a bank and it is not universal. If I were you, I'll apply for another card with another bank but since your card is less than one year old, you will have to use your payslip. (And you have just switched company) Probably your chances of being approved is lower now - wait a few months.

Use the Mastercard DA card and you'll get that 2% discount on any petrol purchases.

This post has been edited by hye: Sep 7 2008, 06:11 AM

Yes

Ask yourself what you intend to do with the card. Shopping @ Giant ? Pump up petrol 2 Shell ? Fly with AirAsia ? and the list goes on.
Then select the card which suits you best ... it is that simple Don't be greedy and tell youself you want everything out of a Citibank card - unfortunately Citibank segmentise their cards and you can't get it all.

To me the Citibank Clearcard was at its best several years back when it had discounted movie tickets, Maxis Promos and Coffee Bean Promo and it hasn't been the same ever since. Take a look at its discount catalog and see whether anything interest you or fits your lifestyle. I bet ya ... you'll probably enjoy like only one, two or just a few of the promos (depending on your lifestyle). Everyone / the sales person will say lots of promos but would you use it all and how often ?

I see Citibank cards best for paying bills but myself not having one at the moment and will stay clear of the card for the time being. (Long story)

Credit limit is determined by the bank mainly depending on your salary slip. As you use more of the card then the bank will perhaps upgrade your credit limit depending on your history with them. Credit limit varies individual to individual.

This post has been edited by hye: Sep 7 2008, 04:48 PM

These cases are not necessarily due to credit card abuse. I read somewhere that the cause of Malaysian backruptcy cases is not solely due to credit card. People abuse their credit card not because to earn points but it is because they are spending beyond their means to pay up.

I had a friend many years ago who got excited after getting his first credit card and went on a shopping spree, dates, trips ... name it. After about 3 months he nearly maxed out his CL of about 5K if I remember it correctly and he spent the next 2 years paying it all back. So ... is it the card company's fault or his fault ?
Don't blame the card ... blame the owner who uses the card without control.

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Added on September 7, 2008, 11:25 pmThen any card from Citibank will do because you are just using it for the convenience. On another thought ... any credit card will do !

This post has been edited by hye: Sep 7 2008, 11:29 PM

Oh no .... don't ever believe in that myth. The Arabs / foreigners who spend their money here using "non-Maybank" cards are widely accepted by the merchants here without any problems.

Well ... if you insist, I have a personal preference for HSBC cards.

This post has been edited by hye: Sep 7 2008, 11:31 PM

It is perfectly normal - like terapox said, just in case they can't find you if you defaulted on your payments then they'll look for this person on your whereabouts. Not just MBB, all the credit card issuers will do so. In some cases, they will call the contact to verify but not always they will do so.

If I'm not mistaken, unactivated cards will be automatically cancelled after 6 months. However, I suggest you make that call to the bank (they may even request you to write in depending on the bank) and cancel that card - get a good night sleep knowing you have cancelled that card properly. On some occasions, they will ask you to reconsider your decision but it is entirely up to you.

Bro ... U r acccesing the thread from Tokyo ? Cool !

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Added on September 9, 2008, 9:07 amNo they don't but it is a requirement that you sign the card as per Mastercard and VISA International rules. Read what is stated behind - "Card is not valid unless signed". Some merchant will refuse to accept your card if you don't sign - it all depends on your luck whether you can get away with it.

This post has been edited by hye: Sep 9 2008, 09:07 AM

HSBC CS once alerted me of such scams. Be careful guys but do not be discouraged from buying things online.

Yes ... because Direct Access is a product for graduates only. They have a different product for non-graduates.