@tinkerbel

I check via online and call to the helpline. any direct number to proccessing department ?

Nop, this is my first card and im paying for my car loan only.

anyone can clarify more in hsbc for me /

CL doesn't matter larr...

Believe it or not...

my total CL is enoff for me to sign a Car...(Not Made In Malaysia One...) ahahahahaha

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Added on August 20, 2008, 10:51 amYup... My Old Card had intro me to many of my New Cards....

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Added on August 20, 2008, 10:52 amFor HSBC....
these r the numbers for CC related

Gold and Classic: 1-300-88-1727 or 603-2054 8800
Visa Platinum: 1-800-88-7088 or 603-2054 9000

This post has been edited by TeraPox: Aug 20 2008, 10:52 AM

so when apply for a card....just take a form...fill it n send it back together with CC photocopy, ignore the payslip...despite of saying it need ur payslip on CC application form?

Yup terapox, thats the number i call ...

that's what i do everytime...

but i think it depends on individual...

eg: people like tinkerbel, whom has a great track record... dun even hav to send in the application..the bank will actually call up and offer her a card...



just submit the app form with the Copy of ur CC 1st, if the bank think that's not enough, they will call u and ask u to to fax in more supporting documents...

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Added on August 20, 2008, 11:24 amwat happened? no answer?

This post has been edited by TeraPox: Aug 20 2008, 11:24 AM

both side or one side

both sides and do remember blanko the last 3 digits for security purpose...

My DA Plat only have RM20K nia... and my EON Plat even worst... only RM15K.
One of my colleague's SCB Master Plat only RM15K oso.
I think nowadays banks are competing each other... they dun care anymore.

@TeraPox,
Er.. which bank offered me a CC without needing to submit application form? *scratch head*

@hye & danlhct,
You're probably right on the CL. My sister's CL on her UOB Platinum is RM15k p/card. UOB sent her 2 cards though hence I took total combined CL *grins*

I wouldn't be surprised if Plat cardholders get RM10k CL on their card. I mean what else can surprise me after hearing Gold cardholders getting RM4k CL!

This post has been edited by tinkerbel: Aug 20 2008, 02:11 PM

This is true for Citibank cards.
Citibank is being stupid that it doesnt any sort of verification for online purchases. I dont worry about my HSBC because it will require IC validation at least.

@andrekua,
Er.. Amex doesn't require any other verification for purchases made online. The 1st time I made a US$19 purchase the bank did call to check if I made that purchase. However, I haven't heard from the bank for a purchase I made through PayPal yesterday morning. That was for ~US$50.

Gee. I used my MBB CC to pay for petrol in Petronas this morning, and when I checked my balance in the evening, it was 200 bucks! I thought I pump only like 30 bucks?

Called up their helpdesk and they told me to wait until the next billing cycle and it would be adjusted automatically.

Did they explain how come such thing could happen?

They said something like the machine in Petronas can only post in 100 bucks ..
I remember seeing the balance reflected correctly before...
But that was few months ago.

I don't understand but oh well, hopefully it's not 10,000 bucks.

I didn't experience such occasion before. The last time I pumped using MBB Petronas Visa at Petronas is last week. The exact amount is being debited to my statement in the online statement.

10-Aug-2008 10-Aug-2008 PETRONAS BAYAN BARU PULAU PINANG MY RM24.60

This post has been edited by David83: Aug 20 2008, 09:03 PM

no worry as this is normal they hold up a limit when you buy petrol. Usually 150 to 200. The exact amount will be charged to your statement, bank just hold it.

Hmm i never know the statement shows so fast?
Usually petrol stations only do their batch closing in the middle of nite around 3am.

U said u pump at the morning and u check at evening?

post in 100 bucks? no such thing

No no such thing..
The petrol pump itself will hold the amount, but it will be released at the moment u finish pumping petrol and actual amount will be charged to bank not the holded amount.

This post has been edited by WaCKy-Angel: Aug 21 2008, 09:54 AM

yes there was some problem few days back, the outstanding balance in maybank2u was more than what we spent. But it was corrected on the next day

I do not agree with andrekua.. Why are you encouraging someone else to help you control your spending?.. Today's society is suppose to be financially matured!!! As we move towards being a develop nation, mentality like this should be shelf.. everyone should have the self discipline to control their own spending..

I for one carry 2 CCs.. one PBB with a CL of RM5k and the other CIMB for a CL of RM15k! but every month, my total spending on my CCs are RM300-400 combined.. Yup, not even RM1k.. I got no idea why the hugh CL, but one thing is for sure, in case of an emergency, I have that CL to back me up financially..

Have some constructive thinking.. Why do one carry a CC around?

me?.. this is why:
1. CL for financial emergencies (family member hospitalised)
2. not to carry too much cash around to limit losses if robbed or lost of wallet

going shopping and seeing something you want (but not need) does not mean taking out the card. instill self-discipline and control. always ask yourself, 'do i really need it?', 'What ever for?', 'can i live with out it?' this is how you can control your spending!.. NOT by asking someone else to check and limit you financial life style.. you are no longer a 12 year old kid!!!

gosh!!!

Well, it appear in online banking in the evening on the same day itself.
Trust me, it's fast.
I was surprise too.