they just need to keep a copy of your epf. The thing they really need are just photocopy of your credit card over 18 months or 1 year with CL 6k and above.

I've tried applying over there and managed to get my card in 1 and half hour.

Hi, I want find re-finance credit card company at sunway or subang area, can any 1 here can recommend me a good 1? thanks

do i need to have had my cc for 1 year or more before i can do a balance transfer.

I recently had to do a major repair for my car so had to use my mbb cc. can i do a balance transfer so i can slowly pay the amount but with lesser interest?

Balance transfer is usually offered to new applications.

Some banks like PB offer it round the year.

No need to be 1 year old.

For Maybank nope, they only canceled it once I received the new card.

For Citibank, they canceled it on the spot.

Actually, been getting that same error and plus the faulty chip and whatnot.

usually which card can offer best rate when we spend money overseas? it depends on visa and mastercard OR diff banks like maybank & cimb offer diff cc rates?

hey any comment for the citibank clear card,planning to get one soon from citibank

The balance transfer can do with anytime after u take the card...not only for the new applicant.
But the better is apply the new card and then do the balance transfer at the same time becoz u have the extra credit limit to let u to transfer.
I suggest u can try hong leong bank balance transfer becoz for HLB gold card cardholder can have 6.99% p.a. interest rate and the payment is for whole life until u finish paid.That means u can pay any amount every month depends on u.

100% cash back with EON Bank Credit Card:

URL: http://www.eonbank.com.my/promotions/ccard.../cashback.shtml

Ya my friend gona try apply that one today. He needs to be off next week so let's see how fast it is

Citibank just rejected my friend's application Reason was not clear except he never had a credit card or any financial record. But the guy told him his pay would easily pass a gold card application Citibank for you....

Remember the golden rule ... never trust the cc agent so quickly. They just want you to apply the card but do understand the approval lies in the cc application department hands. Citibank cc agents works on comission ... more reasons for them to be aggresive and will do anything to make you sign up.

This post has been edited by hye: Nov 18 2008, 07:05 AM

He went to the bank itself to apply, not via some agents coz he needs it really urgently

... why the idiotic shi++ybank upgraded my card to gold card damm...

Wonder what's the difference now. I tot clear card have more discounts or promotions than gold card.

eh? they did it again?
zzzz

thinking of applying for the maybank credit card, so that i can apply for the zing touch n go card. no need to worry about my tng balance

guys just wanna ask u guys question on my CL...when i received the card, stated in the letter my CL is 7k and i have used RM1350 for installment and outstanding of RM900.25 so total outstanding is RM2250.25...

when i check at cimbclicks my available limit was only RM4336 and less RM413.75 from the 7k CL...is it normal? noobies here...

It would actually help if you call them up and clarify.
Also, don't forget to post your findings here.



*p/s: I just noticed that a lot of times, ppl post questions here (as in many other threads as well) instead of going to the direct source and seek clarification. (it's either a phone call away or since on the internet, can search the whole WWW)
It would indeed help if when one hits a problem; they go direct to seek clarification than post up their experience here. So when others search and can't find the answer, than they know what to do. i.e. go to the source, seek clarification than if yes there's answer - share the experience; if no answer, than post the question.

This post has been edited by b00n: Nov 18 2008, 11:50 AM

i tried to call them but hate to wait for them to pickup my call...wasting my credit sometimes i wait for 4min no one pickup the call...

still, the best way is to call them up.

do u mean a company dat could refinance your o/standing credit? Is there any? ALONG ade la.. All i know we can sort of restructuring it into low interest monthly installment.. Some local banks offer this, but it wasnt made known to public..

call them up already actually the RM413.75 is actually pending amount...RM400 is for petrol coz when we swipe once they will put on hold RM200 something like that...