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.

@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*

tinkerbel,
As what i know based on malaysia , visa and mastercard has a limit up to approximately 300k a card no matter classic gold plat or even signature.
If want even higher limit, then only AMEX charge card can give you that.
The best card i think was Centurion (black card), but it's not available in malaysia la. Somemore the annual fee was a scary one, and need a annual usage of USD250k (Not too sure about exact amount). Application based on invitation among current Amex plat member. So anyone who chase for prestige, status symbol. this is the card you need lol. Haha.

@Reventon,
People who qualify for the Centurion probably doesn't need / want the status symbol

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!]

SCB got come with priority pass mer? How come i didn't have eh. Never knew it. Mine is master plat

i got a question here...
my direct access card right...the interest free period means wat?
i no need to pay interest if i pay before the due date of the statement?
or 20 days from the transaction date?

lets say my statement date is 13th Aug, due date is 3rd Sept.
As long as i pay before 3rd Sept, i wont be charged any interest?

so that means is 20 days interest free from the date of purchase lar?
means after u make the transaction..u need to pay within 20 days?

lets say...
13.8.2008 statement date
14.8.2008 used RM 100
13.9.2008 2nd statement date
01.10.2008 Statement due date

the RM100 is included in the 2nd statement and it's 29 days to statement day.
Will i be charged interest if i pay at 31.9.2008?

so that means is 20 days interest free from the date of purchase lar?
means after u make the transaction..u need to pay within 20 days?

lets say...
13.8.2008 statement date
14.8.2008 used RM 100
13.9.2008 2nd statement date
01.10.2008 Statement due date

the RM100 is included in the 2nd statement and it's 29 days to statement day.
Will i be charged interest if i pay at 31.9.2008?

@zenwell,
I ain't the one who's got a whole collection/series of Plat cards but I think it starts from a min of RM30k