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 Credit Card Thread V4, Plastic Money @ World Access

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soitsuagain
post Jul 22 2008, 09:28 PM

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QUOTE(Lawyer1 @ Jul 22 2008, 02:07 PM)
Lots of good infos about Credit Cards, thanks,...... What about the Maybank Platinum Credit Cards ?

And Maybank also has Petronas Platinum Credit Cards.

What is your experience ?
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Nowadays with prompt case anybody can get a Platinum as long as your CCRIS score is satisfactory and you are willing to pay the fees. There are quite a number of Plats with about 8k max CL which is pathetic.
soitsuagain
post Sep 15 2008, 10:19 PM

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QUOTE(roy_zu @ Sep 15 2008, 02:08 PM)
Guys, i need to clear some doubts...

Some sales person will ask us to photocopy for credit card front n back to give them rather then our financial documents to get their CC rite?

How we can trust them that they won't use the 3 numbers at the bck of our card to scam? I'm not sure how this thing works since we can trust anyone who we don't know personally.
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If you don't feel comfortable, don't let them do it. Just do the photocopy yourself, cross out your IC and the ccv and submit it to any CC agent by going to any Carrefour branch. You will find them laugh.gif

Better go to an agent and let them 'wan sek' than go to branch. icon_rolleyes.gif
soitsuagain
post Sep 21 2008, 12:27 PM

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Hey guys, I want to ask. If card A has 3k credit limit and card B has 3k credit limit from the same bank does that mean that I will have a real credit limit of 6k? Lets say if both card is zero balance and I want to buy a 5k item, using either card will do right? Does the card combination has to be Master & Visa or is it possible with Visa & Visa cards?
soitsuagain
post Sep 21 2008, 01:01 PM

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I want to get a 2nd card from the same bank. Should I tipu the sales and say I don't have their card? Afterall, they want submission only right?
soitsuagain
post Sep 21 2008, 01:34 PM

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Actually they still get some commission. One agent told me its about RM5-10.
soitsuagain
post Sep 21 2008, 08:27 PM

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QUOTE(ronnie @ Sep 21 2008, 04:10 PM)
Assume if Card A and Card B have not shared credit... you can't buy RM5k item on one card. You need to charge RM3k on Card A and charge RM2k on Card B.
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Is it possible for me to make it shared credit?
soitsuagain
post Sep 23 2008, 10:26 PM

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Y not buy after it was modded? Original PS2 games isn't cheap. For i.e. ori FFXII sold for like RM 249.

Added on September 23, 2008, 10:27 pm
QUOTE(bluffy83 @ Sep 23 2008, 02:15 AM)
suggestion pls sifu! just want a card for buying electronic peripheral.. lets sat ps3 nad iphone! got any good card for this thing meh? i can buy it cash but just want to keep it for emergency use.. waaaah ps3. it already official here! i cant wait anymore.. i am been waiting for almost 2 years for this.. cant hold it.. someone help me! icon_question.gif
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Y not buy after it was modded? Original PS2 games isn't cheap. For i.e. ori FFXII sold for like RM 249.

This post has been edited by soitsuagain: Sep 23 2008, 10:27 PM
soitsuagain
post Sep 24 2008, 11:10 PM

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QUOTE(bluffy83 @ Sep 24 2008, 02:15 AM)
u mean ps3 right.. yep i know.. but one games for 2 month.. i think i can afford that.. anyway i,m working now.. dont have to much time to play games anymore..  just spend 2-3 hours per day for games.. so it have been comfirm right? sony maybank card? how to apply huh? just ask directly at maybank counter right?  drool.gif
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Go to Carrefour. Surely they will have Maybank credit card sales agent over there. Another cool card you can get is Hong Leong MTV card.
soitsuagain
post Sep 27 2008, 10:01 AM

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Min salary is always RM 18k per annum. Gold cards are usually 36k per annum and plat cards can go as low as 60k per annum.
soitsuagain
post Sep 29 2008, 09:36 PM

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QUOTE(boonsin23 @ Sep 27 2008, 11:17 AM)
hi guys,

stanchart offered me a platinum visa yesterday v free joining fee + 1 yr annual waiver, hows this card?? did anybody the holder of this?? does this card has many privileges??
can share some experiences??

thank you in advance.
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u have 1 yr annual fee waiver....try it out. No harm trying.
soitsuagain
post Oct 1 2008, 12:15 PM

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QUOTE(Asus @ Sep 30 2008, 02:49 PM)
okk so im qualified already but which card to choose  rclxub.gif
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Hong Leong bank MTV card........best card for the young at heart...you can apply that from me thumbup.gif
soitsuagain
post Oct 3 2008, 03:55 PM

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QUOTE(wirelessdude @ Oct 3 2008, 03:25 PM)
Yipee! Found out from my RM today that my Premiere card got approved and limit went up to RM40k.
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Wow, for a non target customer, they really give u a lot of credit limit.
soitsuagain
post Oct 3 2008, 04:03 PM

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QUOTE(yiivei @ Oct 3 2008, 10:50 AM)
wat u guys think of directaccess free for life credit card?

the annual income is RM80k and RM30k for plantinum and gold cardholder respectively...

More info here: Direct Access
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A card with no annual fee and with no min swipes needed, is worth keeping either for souvenir, future handicraft material, etc...
soitsuagain
post Oct 9 2008, 09:36 PM

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My bro also have many credit cards, all with very high credit limit as he does his business with it ended up uses a lot and pay in full every month too. But he also manages a huge savings so that in case his customer failed to pay promptly to him he can use his cash to pay the CC and not incurring any interest. Every 3 months he would get something for my parents via his rewards point. The last time he gets my dad a video cam and guess what, it looks like its mine cause I use it all the time. wink.gif
soitsuagain
post Oct 13 2008, 10:04 PM

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Hey, did Citibank know that their website is not compatible with Firefox? I think it has been freaking long since it first happened but until now still no action has been taken! It only works with IE, which is not my 'duh' default browser.
soitsuagain
post Oct 14 2008, 05:28 PM

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QUOTE(georgechang79 @ Oct 13 2008, 11:20 PM)
you can download the IE plugin for firefox at here.
https://addons.mozilla.org/en-US/firefox/search?q=ie&cat=all
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Hey, thanks. You are the man! thumbup.gif
soitsuagain
post Oct 14 2008, 05:43 PM

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QUOTE(tinkerbel @ Oct 14 2008, 09:49 AM)
@ICDeadPeople,
Are people boycotting MBB?! Now that's not something I'm aware of but then again, I've been on the move so much I haven't been able to keep up with U guys here.  On the contrary, I'm boycotting Citibank!

Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc.  If U don't need it then forget it.  Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!] wink.gif

Out of curiousity, did they give u a big margin of CL increase?  [I think I'm still bitter over the fact that Citibank gave me an upgraded card but reduced my CL!]
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So far among all my cards, Citibank give me the highest credit limit, which is still increasing.... rclxm9.gif Because of this alone, I cancel lots of other cards. Lets just say my Citibank card absorbs all of them. laugh.gif Now I only have my Citi and MBB.

I know different card have different perks, discounts blah, etc...but this only encourage spending which is not good. I know that because I have bought many things I do not need just because during a certain promotion period, they have discount this and that. Not to forget that it actually dilutes your reward points.
soitsuagain
post Oct 14 2008, 10:34 PM

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QUOTE(andrekua @ Oct 14 2008, 08:16 PM)
You phailed  laugh.gif
The force is not with you...

Keep applying new card is the fastest way to increase credit limit without having to fax them a shit.

4k SBB -> 9k HSBC -> 13k Citi -> 18k Alliance in 2 years... but think again, do we really need all these... I just couldnt stand persistant sales girls nagging me while Im pumping petrol or eating...
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Not when ur credit limit is 3k, which means..... 3k>3k>3k but anyway i really max out every card I own. I used to have 10 cards. Lucky its not 10 cards @ 15k CL. Like this I sure die a long death.
soitsuagain
post Oct 15 2008, 09:03 PM

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QUOTE(c9 @ Oct 15 2008, 12:32 PM)
Oh wow, MBB has increased the minimum income requirement.

                                       
Classic 
RM30,000 per annum     

Gold         
RM36,000 per annum   

Platinum     
RM120,000 per annum
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Kind of funny. Why even a need for classic card than?
soitsuagain
post Oct 19 2008, 04:33 PM

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QUOTE(tachlio @ Oct 19 2008, 04:15 PM)
Let said i got 10K CL, i wanna buy 2x6Kflight ticket,

can i buy one 6K then pay back directly the 6K (MB2U to CC)

so i can buy another 6K ticket... (CL Back to 10K)

acctually i wanna earn some point through CC altough i can direct bank in 12 though Maybank2u
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You can pay 2k overlimit I think. If cannot, I think going to the branch and explaining ur case will helps. They want you to spend with your credit card whats better when you spend and pay back instantly!
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