Yes ... only the principle can do it for you.

Wishful thinking. All credit card issuers in Malaysia are bound by BNM rules. Minimum income requirement is RM18k per annum, 21 yrs old above. (For pay-check earners)

Hahaha ... a true Platinum holder will not get this card because this "Platinum" status everyone can apply.

Poslaju will only allow the receipient of the card to collect the package once it reaches the Pos Laju center and no proxies are allowed. Another thing to note is that Pos Laju will only accept instructions from the originating bank for any redirection of your card package and will not listen to you although you can prove (fax the IC also no effect) that you are the intended receipient of the card. I can confirm Reventon's bad experience.

It is not the bank's fault but because they are using Pos Laju.

The simple answer is YES if you could split the payment up. This will qualify as 6 minimum transactions per year.

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Added on September 15, 2008, 11:41 pmWell ... in theory you can do that but do remember everytime you use your cc at the pumps, you are being "charged" RM200 which will then be normalised to the actual amount once the merchant reconcile the actual amount with the bank. (Forgive me if i get the terminology wrong but I hope everyone gets the idea)

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Added on September 15, 2008, 11:43 pmAha Another case of agent "ticking the additional boxes" which you did not apply for. You can lodge a report if you want to if you feel victimised. This service is not automatic nor it is mandatory, you can cancel it. (I kena a similar problem myself except that the agent applied an "additional" card without my consent. All these add-ins adds up to their commission I think)

Call the Citibank CS and ask to cancel this service. Most likely they will ask you to write in.

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Added on September 15, 2008, 11:47 pmPIN number and card will be mailed seperately. Not necessarily you need to wait for the card to be activated before receiving the pin. This scenario varies from bank-to-bank though. Some bank you need to receive the card first before you can get your PIN.

This post has been edited by hye: Sep 15 2008, 11:47 PM

Which bank is your cc from?

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Added on September 16, 2008, 1:53 amYou will be charged RM 380. Don't worry about the finance charges unless you start to pay minimum and not pay in full every month.

This post has been edited by hye: Sep 16 2008, 01:53 AM

UOB will issue the PIN without you needing to apply for it. Could have been lost on the mail. Here's the downside, if you call them and ask for a new PIN, they will tell you that this will require you to cancel your card and reissue a new one. Perhaps this is the only bank which has this practice.

You can call in and try to check whether this is still the practice.

Normally balance transfer is for you to consolidate your debts from other bank's credit card. I'm almost certain that you can't perform a balance transfer from your Citi Clear card to a complementary Citigold card (Should be a Platinum card).

I don't have such problems like you do when I still have my UOB. They are very efficient except sometimes the CS is just too "strict" and not helpful enough. Not something which I fancy esp when you intend to use the card overseas and anything can happen.

I have since cancelled my card and moved over to HSBC - no complaints whatsoever I tell you. They learn my spending patterns and calls me whenever something occurs outside of norms. Sometimes within minutes of the transaction and then they will call me. More importantly friendly, prompt and I don't get the run around whenever I'm in a hurry.

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Added on September 17, 2008, 12:12 amLike the many advise which has been mentioned whenever someone ask this type of question - it is all entirely up to you. Different ppl have different experience with their cards and you have to take it with a pinch of salt coz different product suits different ppl.

If you like the Shell Citibank card, just apply for it. And if something happens which you don't fancy .... just cancel the card.

This post has been edited by hye: Sep 17 2008, 12:12 AM

You can't actually. The so-called auto reload facility is you need to take up their "Zing" card. Many years ago, TNG accepts any credit card to be linked to the TNG card for auto reload and then they discontinue it because they had many problems with the system and they were losing millions. (You can PM me for the long version)

Got .... read every single sentence of your credit card's T&C. (I did this for this card before) Eventually, you'll come across this statement regarding surcharges for overseas transactions.

Call and inquire about the iPay plan. It should be for 10 or 20 months installments (Can't remember the interest rate) but this applies for purchases above a certain threshold (Should be above RM1K I think). If you are thinking to do installment for your overall cc payment then this doesn't apply.

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Added on September 18, 2008, 6:45 amNo one has done what you are thinking of doing and in my entire life of using credit card and the thousands of people who handled my card, I never had anyone abuse my CVV no. You are just too paranoid.

This post has been edited by hye: Sep 18 2008, 06:46 AM

Check your retail purchases against the international currency conversion rates at the transaction date. You'll see a slight variation. If you spend 1million rupiah on your slip ... of course it will appear as 1 million rupiah on your statement. They call it "administrative fee" and not interest ... of course if you call the CS they will tell you no interest.

Check your conversion rate again and you'll see there's a slight variation. (Check and tell us whether we are right or wrong) Of course we know what we are telling the folks here my friend.

DA=Direct Access. From CIMB Bank, formerly Southern Bank.

I was not trying to be funny about the answer but if you ask this question from the folks who has been using credit card for years ... they will tell you the same thing. Check out similar discussion on credit cards from other forums and they will tell you the same thing as well.

Let's put it this way ... the worst that can happen is that a fraudelent transaction occured on your account. (It has happened to me before) Call the bank and dispute it ... simple. The bank will be on your side if you had sufficient proof to back you up and I never had a case where I lost a dispute or chargeback. (Genuine cases of course) If it were that simple for people to abuse your credit card, this will put a serious doubt on the realibility of the credit card system not only in Malaysia but globally. The banks will go all out protect their credit card products and their customers along the way.

That's some prefer foreign banks credit card vs local banks. But again ... individual experiences may differ.

Well ... if you still think my answer is not helpful then please accept my sincere apologies.

One Platinum credit card is from UOB

Well I dunno whether it is true that the min limit is 1K but normally banks provide the credit limit based on 1.5-2.5 of your salary. Given that the min salary qualifier is RM2K, I think the right number should be RM 4 K upwards.

Min you have to wait 1 year before you can ask for a limit increase (they will ask for documents) or if you are lucky then the bank will upgrade your limit without you even asking. DA need cert when applying but some of thr forummers managed to get away with this requirement - again it is your luck.

It is not mandatory for you to update the bank if you changed company but it is recommended.

This is depending on your preference. Points system normally got expiry date except certain bank e.g. Citibank and that's why customers prefer the cash rebate system instead.

Emmm ... thanks for the info on the UOB One Platinum and UOB One card. For a long while, the UOB "One" card was a huge debate ... I think in V3 of this thread. It is quite normal for those guys to do that .... coz every one of them got target to meet. But careful ... certain banks if you apply credit cards simultaneously from 3 different banks then they will reject your card. (Someone from the industry told me)

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Added on September 21, 2008, 12:21 amYou can try but I doubt so on your probability of success.

This post has been edited by hye: Sep 21 2008, 12:21 AM

I can't remember which bank does not have points expiration but definately Citibank is one of them. UOB ? Supposedly it has a 3 years expiration period ... I was a member once. Could UOB's point system have changed ?

Like I said ... it all depends on the individual whether the person prefers the point system or the cashback. BTW ... your cashback system only applies for Carrefour purchases only ? Or does it applies for other purchases as well ?

This post has been edited by hye: Sep 21 2008, 12:42 AM

Yup ... and don't forget the Premier cards but only HSBC has it.

Infinite is only available for application @ SCB. RHB also has it but you need to put in a lot of money before you can get this card. (Correct me if anyone here managed to apply and obtain the RHB Infinite card without deposit)

This post has been edited by hye: Sep 21 2008, 06:44 PM