i jus applied for HSBC classic card.. ok la hsbc got one type..

but for the citibank.. got so many types!??! clearcard, shell, giant. etc..

which should i go for? my friend said the classic got more shops discounts whereas the rest aims for their respective purpose.. like shell for shell giant for giant..

any ideas? thanks

i planning to get one master frm hsbc, thn another visa frm citibank.. only two..

might get a DA master frm CIMB for petrol..

yup i rarely shop at giant, petrol i dont wanna limit myself to shell (INCASE OF EMERGENCY) hence the cimb DA, or airasia.. lol.. tats why i am considering the clearcard.. but was wondering is it the true that the clearcard has got more discounts/redemption attributes?

thanks.

another thing. the credit limit.. who sets it? based on the income i am earning? i know the card type has somtin to do wit it.. but if two person has a gold card.. it varies still right?

This post has been edited by ruztynail: Sep 7 2008, 12:48 PM

can anyone enlighten me how the cloning of a CC works?

whn u sign.. is there a chip in the cc tat shows the original signature? not jus the white slip behind the card?

how to keep track of "bogus transactions" not made by yrself?

thanks

for CIMB Direct access.. do i need to include my degree certificate and business card? necesary ar??

but i hv the cert thingy. but no business card ler.. how?! lol

citibank really am good at issuing cards. esp the one hour deal..

i got my clear card like in less thn two hours. but i couldnt collect it as i am working.. the point is thy really process it fast. the free gifts thy will send over to my place 3-4 weeks later..

hsbc.. i am not sure.. wats the earliest u guys got the card?

another thing.. i enquired how thy set the credit limit. its usually 2x or 3x the monthly income.. but whn i got my clear card. its barely 2x my salary.. its only 1.5.. is it becaue i did it through the one hour thing?so thy jus lower my CL?

here is the kicker.. my colleague who's basic salary is rm200 above mine has got the 3X his salary.. for his CL.. why? the only other diff is tat he is carrying the shell citi and i am carrying the clear card.

so does it add to the multiplier? if u hv more loans or more cards? or it reduces?

i am thinking of both ways.. the bank would want u to borrow more. so the multiplier is higher.

and thy lower the multplier.. because the CC holder is a risky customer..?

thanks guys,.

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Added on September 10, 2008, 5:43 pmmy friend doesnt hv any load and its his first CC.. similar to my case... stil dont understand how thy issue out the CL.

This post has been edited by ruztynail: Sep 10 2008, 05:43 PM

wah whn u sign into citi online.. need to register for the sms alerts and promotions.. not by default is on.. haha

another q. the e-statement.. if i dont sign up for it.. thy will provide me the paper statement every month still right?

anyone of u took part in the citi- E-statement contest..? convert into e-statement to win a car

jus wondering i was checking my citi online banking.. this is wat thy show

RM X,500.00 credit limit
RM X,300.00 available
RM 0.00 credit used

how come? i only pump petrol rm60.05.

the information is not timely one is it?
why the rm200 diff between limit and available?
thanks

i got this "credit card shield plus" frm citibank issued by ING... if i hv an outstanding balance of rm100.. i am charged 65 sens.. in the case of death and etc.. it will be waived... i dont think i signed up on this.. can i cancel this service? or does it come along wit it?

i took my card frm the bank.. so not sure.. u obviously would get the card.. thn only pin... thn u can apply for online pin as well

citi jus release their sept promotion pamphlet also. u can go check it out on their site.

wtf.. hsbc rejected my cc application.. and the sales fella said can help.. my salary is above the minimum.. no debts.. notin attached.. how come? citi approve less thn 2 hours. this hsbc.. walau.

cb man. i duno wats their problem.. the dude tat called me to verify my id.. had some "stupid tone" like he doesnt like his job or somtin.. thn i think i got rejected on the same day.. witout any report or reason given.. as my friend is also working in the same bank. diff department. so she checked for me..

i was away frm office. so i think whn thy tried calling my office phone to "verify" i didnt pick it up..

question guys..

M2U has this credit card bill payments.. for other financial institutions. eg. citibank, hsbc.. etc..

is it safe to sign up wit M2U to do the payments? anyone did it bfr? how fast did the other bank received it?

thy are asking for all my CC details.. which i think its rather sensitive.. so i'd like to ask u guys first bfr i proceed..

plus thy need to verify my details bfr thy allow payment. and thy would sent a letter to my address for confirmation..

thanks.

haha tats right mate!!! i got the wrong function.. thanks!! 3 days huh.. hmm thanks!

i think the merchant has also the last 4.. no reason thy need all the 16 digits..

anyways... my CL is very low.. hope it stays tat way.. so i wont exceed it and hopefully people see no reason it needs to be clone.. target all the platinum and gold members haha

how come i didnt get the sms also.. i register online di for announcements.. anyways wat cc u're holding? mine clear card.. maybe applicable to certain cc? or long term customers?