Don't think so. If can, the bank would have already done so.

1. SCB VISA Infinite - RM 800 annual fee
2. MBB AMEX Platinum Credit Card - by invitation (actually you can apply for it ... try MBB TreatsFair Promo) & attracts RM800 annual fee
3. HSBC Premier - Need RM 200K in deposits
4. RHB Infinite - No info

This post has been edited by hye: Sep 22 2008, 05:31 AM

Hi Tinkerbel

Was wondering what happened to you ... it is rather quiet without you around. I "temporarily" gave up on Citibank cards. Well ... most other banks RMs spoke about CitiGold inconsistancies and inefficiencies ... I came across them in the last few weeks.

Citibank policy for cardholders to use the card within 45 days is pretty standard and it has been the practice for quite a while. Since there's no minimum amount for the 1st swipe, well you can try looking for the cheapest thing that you can use a credit card for.

@Tinkerbel
I'm surprised you have been paying for your annual fees all these while. Well ... I got conned by MBF just a few years ago into paying for the annual fees myself. Until that incident, I always get my cards for free.

1. You can apply for DA @ any CIMB branches. And they are not the same thing as the CIMB card ... 2 different product. It is not an upgrade or downgrade from CIMB cards.
2. Approval should be OK if all of your submitted documents are OK. It does not mean you have CIMB card you auto qualify for DA card.
3. CIMB point system is not Bonuslink points. Period.

Yes ... you can cancel anytime so long you have no outstanding balance. I have recently cancelled a card which I cancelled in less than 24 hours after receiving the card. I did not get charged for anything.

EON cc ... well I cancelled this card within 1 month after receiving it. I applied when they had this promo on 1 hour approval which (of course) took more than 1 hour to approve which I constitute as false advertising. I don't agree with the additional 2.5% charges for overseas transactions they imposed to their customers as I often buy things online. .... Card cancellation was imminent.

This post has been edited by hye: Sep 26 2008, 09:54 PM

Depends ... generally they will ask for 1 month but don't be surprised if they ask up to 3 months payslip.

The only card with graduate scheme is DA. They need your graduate cert, photostat IC & payslip.

Yeah ... I thought so too ?
Plus, anyone here had this problem of the merchant committing this kind of fraud in the last 6 or 12 months ? I'm not siding with the bank but I doubt so this is really a big problem. Let's not give a bad impression or scare off potential cc holders. In all my years of using cc, I never had this problem except the "Petrol Station" fraud several years back. The bigger problem (and perhaps the real problem) is whether cc holders can discipline themself to spend within means.

No offense to the person who bought up this subject ... but did you experience this problem yourself and how much was your exposure ? And did the bank resolve the fraud issue for you and how much resistance did you face?

I always had the practice of my card being swiped in my presence and I never had a problem where the bank did not want to cancel or resolve any fraud issue which I informed them.

The product itself is called Direct Access credit card for graduates. One of the application requirement requires the applicant to submit their degree cert. Check it out here for the full application requirement Direct Access Requirement

No offense to anyone.

Call CS and tell them you wish to cancel the card and ask to cancel the annual fees also. By luck, you should be able to remove the annual fees.



Well ... to all the folks here. Reiterating the point that if you receive credit card that you do not want, please cancel the card to avoid being charged for the annual fees down the road. Not activating the card does not mean that the bank have cancelled the card.

The minimum payment is RM50 (Correct me folks if I got this value wrong) or 5% of whatever you owe to the bank. However, this is subject to whichever value is higher.

1. So, let's say you owe the bank RM30 that month ... you have to pay all which is RM30.00.
2. You owe the bank RM50 ... pay RM50.
3. You owe the bank RM 100, minimum payment is RM50 although the 5% is RM5 but the minimum payment of RM50 applies.
4. You owe the bank RM 1010, minimum payment RM50.50 because now the 5% is higher than the minimum payment of RM50.

Hope that's clear

Did you purchase anything on installment basis ? If you have anything on installment basis then, you'll be charged the installment amount. Or else .. it depends on your the item/service that you purchase in your transactions.

No need to check also I can tell you the rates are determined by VISA & MC International. This info is stated in your card T&C. It's the whole load of paper that comes with your cc. Find and check that out if you haven't thrown it out yet.

The Dell-Citibank flexi payment plan requires Citibank to verify the transaction from your goodself. Perhaps you miss their call when they attempt to call you but you can actually call Citibank and ask CS to verify this flexi plan. Unless this is done ... the transaction is deemed unconfirmed and will be rejected. You don't have to go through this verification with MBB-Flexi plan.

Oh yes ... make sure you have enough credit limit to cover the transaction as the entire amount will be taken out from your CL. (If not enough then sure reject ) Don't worry, it is still an installment plan and the CL will be returned to you as and when you make payment for your Dell-Citibank flexi plan.

I suggest you to call Citibank to verify this transaction and then Dell to inform them that the transaction is now OK.


Errr ... BTW .... if that's you in the avatar ... can I get to know you ?

It is call the HSBC "Premier" not "Premiere". Yes ... it is a higher grade than Platinum (Infinite is VISA's version). You need to have min RM200K in total deposits/investments with HSBC. If you want an intro ... PM me.

This post has been edited by hye: Oct 3 2008, 07:45 PM

It means that the 0.5% rebate is applicable for any other purchases that is not Petronas related. This can means your groceries @ Jusco, your new table @ Ikea, new ps3 @ SonyWings, etc.

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Added on October 4, 2008, 9:26 amI don't know about MBB but I do know that HSBC is pickier on approving their cc applications. However, the minimum requirements for an entry level cc is the same for all banks as this is the BNM requirement me thinks. It's just that these banks practices a more stringent approving criterias.

This post has been edited by hye: Oct 4 2008, 09:26 AM

What I normally do ... check the rates over @ www.xe.com on the day that you are doing the transaction. This site will give you a good indication of what the current international rates are. The actual rates will be very close to what is stated on xe.com.

Don't lose sleep over this. All banks will state that the annual fees is chargable but in reality its hard see a new card application not bundled with a free annual fee waiver. (If they want to charge you) You will see this transaction being posted in your first bill and never ever pay anything to the cc application agent coz if they ask money from you then something is wrong already. Walk away and report this to the bank (they are so-called representing) ASAP!

What I suggest you to do ... if the bank really charge you annual fee, call CS immediately and cancel the card. Don't tolerate bad CS / unfulfilled promises by agents and send a clear signal to the bank not to bully you as a consumer!

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Added on October 5, 2008, 6:43 pmJust to add ... why apply the same card from the same bank lah my friend ? Best practice when you are travelling is to carry cards of different banks. If one fails at least you have a chance from another bank. If Bank A fails ... most probably both cards that you carry will fail as they use the same authentication gateway.

Well if you still want to do it .... you can only apply for a MC if your current card is already a VISA and likewise. Not sure about whether you will get shared or seperate CL but seperate CL will not be combined if you cancel one of the card.

This post has been edited by hye: Oct 5 2008, 06:45 PM

Not to be rude or anything ... this is a thread for credit card my friend. Your question is for an AMEX charge card.

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Added on October 5, 2008, 6:48 pmYup ... I concur ... the gift is only for new cardholders only and not applicable for existing cardholders.

This post has been edited by hye: Oct 5 2008, 06:48 PM

The answer to the question that many here have asked before in many varieties.

Some people will say get a card with your bank or get a card which suits your lifestyle. Whatever you do, get something which you think will suit you best (only you know this) coz different banks have different product offering which caters for the many type of customers out there!

I will say ... I don't think Citibank is good and someone else will say otherwise. It all depends on individual preferences my friend. It is actually simple ...

1. Get a card you like and stay with it for a while until they want to charge you annual fees.
2. Bank waives the fee ... you decide to stay on or not. If they don't ... cancel card and move to another bank.
3. You don't like the cc service for whatever reason ... cancel the card and get out.
4. More importantly >>>> Be a responsible cc user and don't come back here with a huge cc debt and telling us we didn't warn ya.

Sorry if my words are a bit strong .... just being straight forward.

This post has been edited by hye: Oct 5 2008, 08:02 PM