Can we convert Direct Access Gold Supplementary to Principal card ?

No I don't think so. You have to put up a fresh application for the Principle card.

Just as I said last week that Citibank hasnt had any good promotion around.. Yesterday read an emel from them saying there's a G2000 sales in MPL.. holy cheap.. When you pay with Citibank CC, you get additional 20% discount ontop of the 50/70% discount. End up with 6 shirts for RM170. Normally RM170 only buys 2.

My cousin only paid RM35.xx for a G2000 pant. Really nice...

Hi guys ^^ After reading your post for a few days, I decided to register and post something

Fortunately it's a question!!! hehe

Ok, I'm a Unit Trust Consultant, I have a constant flow of comision of RM2,000 per month. In addition, I am also a bank staff with Rm 2000 Basic Pay. (Rough Figure PnC)

So my net income is roughly RM 4,000 +/- in your opinion, what are the chances of me getting a Gold card?

(I have a classic card for staff from the bank I work in But I want a GOLD )

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Added on August 19, 2008, 1:49 amoh Speaking of which, the only benefit of a Staff card is no annual fee ... darn it !! ..... not lower % or better installment ..

everyone can now have free annual waiver ...


Gahhhh .......


I've been offered by the Agents for a gold card (HSBC,ALLIANCE,and etc) but I know it's not easy to get it ...

oh i forgot to add some information

My Public Mutual 2k commission is in Public Bank account, My company account is a different back account, So I just need to submit 3 months Bank statement + 3 months payslip.

The reason why I said it's not easy because I've just been working for 3 months ^^; this is my 4th Month ... Should I wait longer before i apply ?? the agents says it's ok .... no problem .. but ... really no problem meh?? I work in a bank .. I know it's not easy ... That's why I wan to try other banks

This post has been edited by khenhh: Aug 19 2008, 01:49 AM

citibank 2 swipe per year?????????


i think is per month

@khenhh,
Y don't U apply for a CC with the bank you're working with? You should get ur annual fees waived, right?!

And Y the need for a Gold card?!

yaya, per month... my bad...

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Added on August 19, 2008, 10:52 amif u r really dying for a gold card... apply for MBB Petronas Visa,Direct Access
Free for life...
and guess wat.. they don't hav Classic Cards. their lowest range is GOLD...
heard they even issue gold cards with 6k CL *

btw... u work in the bank, u should know better than us mah...
and hor... why u need gold cards? Color does Matter?

This post has been edited by TeraPox: Aug 19 2008, 10:52 AM

working in bank easi to get gold ler but dont expect high CL ler

Can I ask 1 question here? If we don't have any saving, does it affect the CC application? Or they will just see your payment record whether pay on time or not?

It seems up till today, there are still people who treat credit card as a status symbol....especially the gold card....

Hi all,

Other than Citibank Plat, is there other cards that offer free use of lounge in KLIA? How about other airports?

Thanks.

)
EON matta gold, Eon matta Platinum, Eon Platinum, RHB platinum(PP), SCB platinum (PP)

I believe that's all..

Sorry, what's PP?

Priority Pass

Care to share a link? I can't seem to find the information in their website.

Thanks.

Just apply first la.. talk too much la.

Gold or no gold also same one lar. So what if gold card? You didnt even know classic card can easily get annual fee waived and yet credit limit can surpass some gold card. If I remember correctly, Tinkerbel (or was it Terapox?) has a HSBC classic card with 14k limit, and my own HSBC classic also 9.5k limit. Issit really necessary to have a gold card when classic card can reach this limit that you rarely used up.

My salary is 3k per month subject to EPF deduction. So I dont think you really have an idea on about credit card approvals. Speaking of which, HSBC denied my application twice before when I was on 1.5k salary and only approved when I finally reach 2k salary. I havent used for a year and they already doubled my CL upon my request. Nothing is impossible.

Just get a card and concentrate on it to gain a good limit. Then its easier to apply for a gold card elsewhere. I would rather to have a classic card than gold card because there is no advantage at all (unless using Shell card for example).

@TeraPox,
I thought Amex Plat has that privilege too; at least @ KLIA - not sure if it's applicable other countries or not *grins*

@bysquashy,
U need to check the respective links of the respective card category; sometimes it's not stated but most of the time it is *smiles*

@andrekua,
Not me! I onli got RM12.5k on my HSBC CC but that's on a Gold. I do however know of people who gets about RM20k CL on their Citibank Clear Card [and Citibank CS tells me the Clear Card category has a max RM15k CL - what bullshit!]

Hehehe, it was me. Actually I've asked them to upgrade my HSBC Classic Card but they said I need to apply for it so I just ask them to increase my credit limit, after a few month, they automatically increased it again for me. So now its around RM15K

Actually I've tried to look for it but i can't find it

Why do you need to apply for it?
If they really want to upgrade, they will send you a new card.
HSBC called me and offer me a GOLD card which I turned down.
After Citi approved a shell gold card for me, now HSBC want to do the same.

Honestly speaking, I rarely use so much money de. In fact, even a 5K card also enough de. Just that HSBC doesnt allow temporary credit limit increase when I was planning my wedding and forced to upgrade permanently. 5K limit is just nice to prevent me from overspending. Heck, Citibank give me 13K which is even more ridiculous for my salary which I dont understand at all.

I think BANK should be more responsible for controlling consumer spending instead of promoting consumer overspending by approving ridiculous limit for those who cant afford it, like me.

@andrekua,
I definitely agree with U on ur last statement made

@bysquashy,
In that case perhaps U need to call them up one by one? *grins*