@kayage,
You're absolutely right about us taking responsibility to our own Finances but there are just too many people out there who doesn't and can't control their 'habits'. Too bad lots of people don't bother listening and will only start regretting after huge amounts of debts been piled up *gulp*

I hope there's something we can do to educate people out there on the consequences of spending tomorrow's morning today but alas, this isn't fantasy-land.

wanna ask all opinion here.. i got maybank, cimb n public bank.. I wan to apply a credit card, but i duno which bank i should choose.. my salary is in CIMB bank.. I wan apply CIMB Direct Access but the requirement not 'ngam' for me coz i'm juz a diploma holder.. So i duno which bank i should choose.. Any opinion guy..

Maybank is damn strict in approving in increase CL. You choose by yourself.

wad is CL?

Credit Limit.

oic.. so either i choose public bank n cimb lor..

Before you apply any credit card, please check if your income can support one (no point forcefully getting one if you can't qualify for one). And most importantly, would you be piling up debts when you get the card or do you just need it to make it more convenient (don't have to carry so much cash around).

This post has been edited by jeff_ckf: Aug 21 2008, 04:24 PM

@Scopio,
It is not necessary for U to apply for a CC with banks U haf accounts with.

@jeff_ckf,
CC is as convenient as ATM ! *grins* but for the sake of the young generation, I hope they don't think the way I do ! *grins*

This post has been edited by tinkerbel: Aug 21 2008, 04:30 PM

@tinkerbel

Thinking? What's thinking?

@jeff_ckf,
That CC seperti ATM !! *grins* It'll be nice though if my ATM doesn't ever go dry!

You can get an ATM from the bank called "Boyfriend" or "Husband" Although it may get dry, at least you have another ATM to use Btw, don't bother trying to poison my mind hahaha

According to my frens RHB is easier to approve.

from my experience Affin, EON, public and citibank very easy to get approval. Not sure what others think.

@jeff_ckf,
Er.. U missed out 'Daddy'! *grins* And I don't happen to have the same view as U

Daddy is good too Hahaha I don't have that view. I am just being a good samaritan and introducing you to the available options at your disposal

I plan to apply CIMB classic visa/master .. how long it took ? my car loan with them

cant apply DA cos i dont have cert

norns,
If you get your car loan under your name and without guarantor. Then you can request for pre-approved card from the bank.
Tinkerbel & Terapox,
Just now went to ask for Amex Plat Credit Card, the officer say i need to pay for the annual fee of RM 800 ? not even a year fee waived ah? How's your case? Annual fee already charged in your account?

pre approve ? does that mean i can get card within a day ?

my dad was my guarantor .. so how long it would take ?
no late payment though .. only due 2~3 days each month due to salary delay

Got an SMS from HSBC they will courier the CC to me. If don't receive within 1 week, bla bla bla. Please ignore if <something> method of card collection.

norns,
If your dad happen to be your guarantor then i don't think you'd be offered a pre approved card. Pre Approved card usually takes only 1 week time to get it, depends on bank efficiency. Maybe you can get details at the branch you get your loan.
Pre Approved card is usually issued from the bank where you have your home loan or hire purchase agreement. Some bank will automatically send the card to you, as my case i get from MBB and PBB free card as long as my loan in bank (5 yrs).