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 Credit Card Thread V4, Plastic Money @ World Access

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jeff_ckf
post Aug 19 2008, 01:13 PM

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It seems up till today, there are still people who treat credit card as a status symbol....especially the gold card.... sweat.gif
jeff_ckf
post Aug 21 2008, 04:23 PM

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QUOTE(Scopio @ Aug 21 2008, 03:38 PM)
oic.. so either i choose public bank n cimb lor..
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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
jeff_ckf
post Aug 21 2008, 04:32 PM

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@tinkerbel

Thinking? What's thinking? tongue.gif
jeff_ckf
post Aug 21 2008, 04:35 PM

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QUOTE(tinkerbel @ Aug 21 2008, 04:33 PM)
@jeff_ckf,
That CC seperti ATM !! *grins* It'll be nice though if my ATM doesn't ever go dry! smile.gif
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You can get an ATM from the bank called "Boyfriend" or "Husband" tongue.gif Although it may get dry, at least you have another ATM to use thumbup.gif Btw, don't bother trying to poison my mind hahaha
jeff_ckf
post Aug 21 2008, 05:08 PM

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QUOTE(tinkerbel @ Aug 21 2008, 04:51 PM)
@jeff_ckf,
Er.. U missed out 'Daddy'! *grins* And I don't happen to have the same view as U tongue.gif
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Daddy is good too thumbup.gif Hahaha I don't have that view. I am just being a good samaritan and introducing you to the available options at your disposal laugh.gif
jeff_ckf
post Sep 10 2008, 12:20 PM

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QUOTE(ruztynail @ Sep 10 2008, 12:13 PM)
but i hv the cert thingy. but no business card ler.. how?! lol
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No business card is needed la...only certificate from where you graduated
jeff_ckf
post Sep 30 2008, 09:16 AM

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QUOTE(tinkerbel @ Sep 30 2008, 08:37 AM)
@tgeoklin,
I don't think banks look purely at existing card and credit limits when giving additional CLs.  I would consider myself a pretty 'good' cardholder with consistent spending on monthly basis but still got rejected by Citibank twice when I requested for a permanent upgrade.

I've since given up on ever getting a credit limit increase from Citibank and moved on to another.
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As we are on the topic of CL, recently Citibank raised the CL of my Choice Card from 5k to 7.5k. Pretty good figure for a low-end card tongue.gif I will cancel their Shell Card anyway though brows.gif
jeff_ckf
post Sep 30 2008, 10:28 AM

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QUOTE(tinkerbel @ Sep 30 2008, 10:00 AM)
@jeff_ckf,
It does look like I'm the few around here who didn't get an increase in CL with Citibank despite making 2 requests and submitting the usual forms.

If U been following this thread long enough, U'll know that Citibank decreased my CL from a total combined CL of RM19k to RM7k when they tried upgrading me from Clear card to Gold Card.
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Hmm I am quite lazy to request for a CL increase so the increment although not very significant is appreciated. I do wonder on what basis do they decide to increase though as my Choice card isn't really my primary card at all. I do want to write in to increase the CL for my DA card which has the same 7k CL since my first day out of college sweat.gif
jeff_ckf
post Sep 30 2008, 01:54 PM

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QUOTE(Asus @ Sep 30 2008, 11:36 AM)
guys just asking...which cc is better for 1st timer...actually i just need it for emergency purpose only...just work for 2 month tongue.gif

p/s: whats the min salary? do they look at the basic or net salary tongue.gif
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They look at basic salary. Normally is 2k per mth to qualify
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