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 Credit Card Thread V4, Plastic Money @ World Access

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zenquix
post Aug 7 2008, 07:51 AM

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@andrekua

it works for you if your usage is that high every month and you don't mind the annual fee

but if you use a similar free for life card like CIMB Petronas

500 * 2% = RM10
750 * 0.5% = RM3.75

Total monthly = RM13.75. Annually is ~ RM 168

It works out to be more since your don't have to fork out the RM75 for the annual fee as is the case for Citibank.

However only applies if you pump Petronas. Point based reward system is harder to compare since you may not need the stuff + may have expiry date.
tinkerbel
post Aug 7 2008, 08:27 AM

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@zenquix,
Am sure there is a way to get Citibank to waive the annual fees.
andrekua
post Aug 7 2008, 08:59 AM

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QUOTE(zenquix @ Aug 7 2008, 07:51 AM)
@andrekua

it works for you if your usage is that high every month and you don't mind the annual fee

but if you use a similar free for life card like CIMB Petronas

500 * 2% = RM10
750 * 0.5% = RM3.75

Total monthly = RM13.75. Annually is ~ RM 168

It works out to be more since your don't have to fork out the RM75 for the annual fee as is the case for Citibank.

However only applies if you pump Petronas. Point based reward system is harder to compare since you may not need the stuff + may have expiry date.
*
I dont feel like buying any of Petronas related stuffs. Private jet for Mahathir is ok but petrol price increase so much. Boycott petronas la. All should go and pump Shell.

Anyway,

I somewhat prefer cards from international banks. They are easier to deal with. They give you high limit just in case you needed extra and lots of discount here and there. I had cancel my SBB, AMBB, and MBB credit card because they are dead boring, no offer and not to mention applying for higher credit limit is like begging them.
TSvin_ann
post Aug 7 2008, 09:36 AM

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i received my VOX master card from UOB.

they increased my credit limits by 2k. shocking.gif
now also useless, planning to stop using it.

anyways, the surface of the card... sweat.gif




he-sham
post Aug 7 2008, 10:00 AM

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why i every time i enter citibank website at credit card section it will display restricted page???

» Click to show Spoiler - click again to hide... «

cute_boboi
post Aug 7 2008, 10:26 AM

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QUOTE(Reventon @ Aug 6 2008, 11:33 PM)
HSBC Platinum requirement is RM 150k per annum and CitiBank is RM 100k per annum . i think now two highest requirement of plat card is Maybank and HSBC .

Other bank now has already decreased their eligibility to around 80k since year 2007. So basically now plat card is not that hard to obtain as in 90's .

I believe that AMEX Plat Charge Card is the card who really show you're loaded , as application are by invitation , too bad we dont have centurion here .. maybe malaysian not that loaded compare to other country
*
MBB Plat is 120k p.a.

QUOTE(andrekua @ Aug 7 2008, 12:23 AM)
Not safe lar...
When using Citibank card to purchase online only need card number, expiry date and the 3 pin on the back of the card.
Not sure if Citibank having a deal with AirAsia which resulted in less hassling verification but I think at least need to verify IC like HSBC lor.
*
Recently I used Citibank CC to purchase online (USD1.00 only tongue.gif ) Very straight forward. Just enter CC number, expiry date and last 3 digit. No call, no problem. hmm.gif

QUOTE(he-sham @ Aug 7 2008, 10:00 AM)
why i every time i enter citibank website at credit card section it will display restricted page???

» Click to show Spoiler - click again to hide... «

*
Your company firewall blocks/restrict access to certain websites. whistling.gif Becareful, you may be logged/track/audited. sweat.gif

muscaa
post Aug 7 2008, 12:39 PM

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QUOTE(vin_ann @ Aug 7 2008, 09:36 AM)
i received my VOX master card from UOB.

they increased my credit limits by 2k.  shocking.gif
now also useless, planning to stop using it.

anyways, the surface of the card...  sweat.gif
*
yeah agree with you
found my UOB plat1 and master gold are not that good
feel like wanna terminate it

andrekua
post Aug 7 2008, 05:00 PM

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QUOTE(cute_boboi @ Aug 7 2008, 10:26 AM)
Recently I used Citibank CC to purchase online (USD1.00 only  tongue.gif  ) Very straight forward. Just enter CC number, expiry date and last 3 digit. No call, no problem.  hmm.gif
yeah, that's exactly what Im worrying about.
so if we are not careful and those cashier purposely remember our Citibank card no, expiry date and the 3pin no, means they can fake our identity and buy online cos no verification like HSBC where you need to at least confirm your IC no. PBB and MBB a bit harder cos need mother maiden name.


Added on August 7, 2008, 5:01 pm
QUOTE(muscaa @ Aug 7 2008, 12:39 PM)
yeah agree with you
found my UOB plat1 and master gold are not that good
feel like wanna terminate it
*
I terminated my VOX card liao and they send me a letter asking me to sign to get a One Platinum card without needing to submit anything. I also have an i-account with them.

This post has been edited by andrekua: Aug 7 2008, 05:01 PM
cute_boboi
post Aug 7 2008, 05:28 PM

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Update for CIMB Fair @KL Convention Centre:

Summary: Dissapointed. doh.gif

It is a home furnishing shopping fair as advertised, where most of the items needs to purchase with cash. e.g. Sharp 108" Plasma TV at RM388,888. sweat.gif Yes, you read right.

If you want to do iron grill, door/window, outdoor water filter, electronics (Panasonic, Sharp, LG, Samsung, etc.), curtains/blinds, buy new house/shop, then it is the right place to shop. I did not see they put the points to redeem big big. Mostly small small only.

muscaa
post Aug 7 2008, 06:04 PM

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QUOTE(cute_boboi @ Aug 7 2008, 05:28 PM)
Update for CIMB Fair @KL Convention Centre:

Summary: Dissapointed.  doh.gif

It is a home furnishing shopping fair as advertised, where most of the items needs to purchase with cash. e.g. Sharp 108" Plasma TV at RM388,888.  sweat.gif  Yes, you read right.

If you want to do iron grill, door/window, outdoor water filter, electronics (Panasonic, Sharp, LG, Samsung, etc.), curtains/blinds, buy new house/shop, then it is the right place to shop. I did not see they put the points to redeem big big. Mostly small small only.
*
look like the exhibition is almost same like the home decoration fair in midvalley recently
If wanna apply DA/CIMB cc can get it on the spot?

RM388,888 for a TV is almost like a house price! Anyway I saw Panasonic 108' Plasma TV selling at around RM100,000 at 1 Utama, cheaper a bit lah

Added on August 7, 2008, 6:06 pm
QUOTE(andrekua @ Aug 7 2008, 05:00 PM)
yeah, that's exactly what Im worrying about.
so if we are not careful and those cashier purposely remember our Citibank card no, expiry date and the 3pin no, means they can fake our identity and buy online cos no verification like HSBC where you need to at least confirm your IC no. PBB and MBB a bit harder cos need mother maiden name.
*
shouldnt be a problem unless your cc is exposed to the public (i think most scary one still those cc salesman near shopping centres, who photostat your card when you apply for their cc)


Added on August 7, 2008, 6:08 pm
QUOTE(andrekua @ Aug 7 2008, 05:00 PM)
I terminated my VOX card liao and they send me a letter asking me to sign to get a One Platinum card without needing to submit anything. I also have an i-account with them.
*
I thought when you apply for Plat 1 card you will get another mastercard from UOB? blink.gif Ended up with more cards

This post has been edited by muscaa: Aug 7 2008, 06:10 PM
TSvin_ann
post Aug 7 2008, 06:32 PM

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QUOTE(vin_ann @ Aug 6 2008, 09:38 PM)
I'm sorry. We are having some temporary delays. Please try again later.[SIZE=14]

from citibank...

sigh... citibank seldom let people down... now it's let ppl down on the internet banking... 1st time encouter.
*
Sigh... im having this problems again....

does any1 got face this? ? ?
TeraPox
post Aug 7 2008, 06:59 PM

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CIMB bank fair...

SUX!!!
Just went there... expect to apply for a Platinum Cards..
but all i see is that all the agents are chatting among themselves... none of them actually go and approach customers... walaoeh.. this type of service oso can ah..

I can't believe they can give me good service lor...

by the way, I just receive my MBB petronas visa that i applied during last TP fair @ midvalley... their speed is unexpected fast...

they gave my quite high limit **k ... but too bad it's a gold card.. so i called back and tell them that i'm not interested with gold, since all the banks has given me platinums... I will cancel the card if they dun upgrade it..

they promise me to revise my application and might give me a Plat.. their service improved! bravo! Maybank!

ps: their telephonist actually speaks English!!!!

Putraskyline
post Aug 7 2008, 07:06 PM

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Do you get your cc during CIMB exhibition?
ed0gawa
post Aug 7 2008, 07:11 PM

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QUOTE(David83 @ Aug 7 2008, 06:33 AM)
If you're a member of  Affinity / Joint Marketing Partners, then you can apply CIMB DA at lower annual income requirement. Here're the list for  Affinity / Joint Marketing Partners:


I believe you need to attach a copy of your membership card in your application form.
*
So let's say i using a sup card (Platinum) from my old man, can i use that card to apply for other new card instead of using my payslip etc...
Reventon
post Aug 7 2008, 07:23 PM

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i don't think you can prompt your supp card to get your own principal. You'd need to have your own principal card to apply. Or else submit the required document.
So far i've no complaint to cimb card services and they does deliver quite 'platinum' services and speedy too. But for internet banking i think MBB still offer the best. Clean, user friendly and detailed transaction.
cute_boboi
post Aug 7 2008, 07:34 PM

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QUOTE(muscaa @ Aug 7 2008, 06:04 PM)
look like the exhibition is almost same like the home decoration fair in midvalley recently
If wanna apply DA/CIMB cc can get it on the spot?

RM388,888 for a TV is almost like a house price! Anyway I saw Panasonic 108' Plasma TV selling at around RM100,000 at 1 Utama, cheaper a bit lah
*
ah... yes, you are right. It's like the deco fair @MV.

Forgot to update, there are CIMB & DA staff/agents, but just a few fellows located in the middle between Hall 1 & 5. Not aggressive. If compare to MBB TP Fair agents, I would rate just 20% of the people quantity and aggressiveness in approaching me. Similiar on the spot approval to purchase things INSIDE the CIMB fair only.

Well, initially I thought is RM38,888 , then I count got five '8'. Then I thought 388,888 points, which is consider very cheap ! Then read again, got 'RM' in front. sweat.gif Anyway, they place two promoter girls in front of it. rolleyes.gif

QUOTE(TeraPox @ Aug 7 2008, 06:59 PM)
CIMB bank fair...

SUX!!!
Just went there... expect to apply for a Platinum Cards..
but all i see is that all the agents are chatting among themselves... none of them actually go and approach customers... walaoeh.. this type of service oso can ah..

I can't believe they can give me good service lor...

by the way, I just receive my MBB petronas visa that i applied during last TP fair @ midvalley... their speed is unexpected fast...

they gave my quite high limit **k ... but too bad it's a gold card.. so i called back and tell them that i'm not interested with gold, since all the banks has given me platinums... I will cancel the card if they dun upgrade it..

they promise me to revise my application and might give me a Plat.. their service improved! bravo! Maybank!

ps: their telephonist actually speaks English!!!!
*
yes, chatting only. I thought want to apply to upgrade my DA to plat or maybe apply CIMB, but only one person approach me. doh.gif Not aggressive at all. In the end, I didn't apply.

adoi... MBB speaks engRish since long time ago tongue.gif When you fill up to apply MBB Pet-plat, did you tick Plat ? Otherwise, I think they default to Gold. I tick plat, I got plat smile.gif

tinkerbel
post Aug 7 2008, 10:05 PM

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For those who went for the CIMB Fair, are the prices of the home deco stuff considerably cheap or basically it's just a 'don't bother wasting time to go' kinda fair?
aayyeennaa
post Aug 7 2008, 10:49 PM

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hi! I would like to ask i'm non-malaysian working here (Expat) i wonder is it really hard to get a malaysian credit card even though I have bank account in malaysia? i dont like to bring too much money shopping biggrin.gif since i'm using public transport. one of which i'm lacking of is "malaysian citizen" or "income tax return" I'm working tax free
TSvin_ann
post Aug 7 2008, 11:42 PM

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any1 can login into their Citibank Internet banking??

im still can not login...

@ Terapox

thanks. initially im thinking of going there see looks around. now i thinks no need. i thinks i better go to Midvalley to collect my MBB Petronas card. haha.
it's ready for collection this weekend. yeah...

@ Tinkerbel

you din see the post by TeraPox ar?
TeraPox
post Aug 7 2008, 11:54 PM

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QUOTE(cute_boboi @ Aug 7 2008, 07:34 PM)
ah... yes, you are right. It's like the deco fair @MV.

Forgot to update, there are CIMB & DA staff/agents, but just a few fellows located in the middle between Hall 1 & 5. Not aggressive. If compare to MBB TP Fair agents, I would rate just 20% of the people quantity and aggressiveness in approaching me. Similiar on the spot approval to purchase things INSIDE the CIMB fair only.

Well, initially I thought is RM38,888 , then I count got five '8'. Then I thought 388,888 points, which is consider very cheap ! Then read again, got 'RM' in front.  sweat.gif  Anyway, they place two promoter girls in front of it.  rolleyes.gif
yes, chatting only. I thought want to apply to upgrade my DA to plat or maybe apply CIMB, but only one person approach me.  doh.gif  Not aggressive at all. In the end, I didn't apply.

adoi... MBB speaks engRish since long time ago  tongue.gif  When you fill up to apply MBB Pet-plat, did you tick Plat ? Otherwise, I think they default to Gold. I tick plat, I got plat  smile.gif
*
aiya.need to tick one ah.. so stupiak one ah... who the hell want gold card larr.. shakehead.gif
now need to call and complain... wasting my phone charges.. mad.gif


CIMB really sux... all the agents just chatting to each another, just like having a picnic. NOT EVEN ONE approach me to ask me to sign up for CC..

aiyo... they really need to learn from MBB lar.. shakehead.gif



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