Hello,
I'm new here in Lowyat forums.  I submitted my application to Public Bank last month and the credit card should be ready this week.  They require (actually most banks) RM5K only as minimum (or shall I say, initial) amount for FD (rate is 3.70% - 12 months)... as your pledge for a credit card.  I gave them RM10K for an FD and then PB staff said I'm eligible for Gold credit card.  I have read the agreement that they asked me sign.. I can renew the FD for 7 years. 

I phoned CIMB and Citibank the other day... to ask if they also offer credit card for any FD.  They said "yes". The requirement is the same as Public Bank -- minimum RM5K and copy of IC.

I'll see if PB's credit card is OK... if not, I might FD also at Citibank.

Update:  Just collected today (1st Dec) the PB visa gold credit and debit cards.  No PIN yet for the credit card but I think I can start using the credit card to get a new desktop
BTW, I'm surprised that the credit card is valid for 2 years. I was expecting 1 year only since it's my first credit card 

http://www.standardchartered.com.my/person...-mastercard/en/
Is this serious? or some errors?

Most probably typo.

morning everybody,

i would like to stop few of my credit card service, but i have no idea which one to keep or leave.

pls advice!!!

1. HLB CC
2. Stanchart batman
3. Shell citi visa
4. MBF
5. HSBC

     

for prompt card application , most bank accept at minimum 15k CL to qualify for their plat card except few like HSBC 30k , MBB 25k , CITI 20k.. currently the highest CL requirement is HSBC card AFAIK. very normal to get plat card nowadays.

with 2~3k salary, possible get platinum ke ?

Mbb seem to be one of the slowest to process ... took me 1 month ++ even I calling everyday for urgency !

@hye,
*grins*  Sis has their character card; i believe it was one of the first few cards she obtained.  Anyhow, obtaining a CC these days seems to be as easy as ever and with your kind of expenses, I'll definitely want to make you MY customer if I were a bank

@J'Daniel,
Yeah I've no idea Y it's taking so long - sis and her husband recently signed up for the Amex Gold Credit Card but they've not heard from the bank at all.  They figured if they don't hear from the bank they'll just pass on the card  

Perhaps U could contact the bank to check on status of your CC application.

@RockIron,
Amex offered U an Amex Platinum FOC?! hMmm.... I'm jealous!

To the HSBC Premier Credit Card holder, what is the minimum credit limit? Can use this card to apply another exclusive credit card such as CIMB World mastercard or SCB Visa Infinite?

Do you know whether the annual fee for this card can be waive. ?

Just make a call to their customer services. Their CS says that the annual fee only will be waive for the first year. On getting the with FD, I need to place an FD RM150k to get the card but the credit limit may be not 1 to 1 with FD. However he not so sure about this & will get the sales person to call me back tomorrow. The FD have to be maintain as long as I holding the card.

But the branch ppl tell me no such thing, they don't have the form. really pissed off ler. and I see no form attached to my statement. Haiz 

We can just go to any branch? Not necessary the branch that we apply rite?

http://www.cimbbank.com.my/index.php?pg=da..._whatnew&tpt=da

yesterday i called UOB..ask about applying CC under 21..the CIC said i can try to apply..but that day another CIC said i can as long as i got RM18,000 income p.a.   
anyone here under 21 holding a principal card? 

i wonder what kind of legal action can a bank take against me if i don't pay my credit card debts? (less than RM30k debt required for a bankruptcy act)

they actually cannot declare me bankrupt if i owe less than RM30k... so they cannnot cancel my passport...

basically the only thing they can do is to blacklist me for life??

HSBC normally send their CC through standard mail, poslaju or registered pos? second question, to avoid any interest which one we should pay in full? all outstanding balance or just statement balance?

thanks

but if plus interest, sooner or later u will owe the bank more than rm30k.

thanks for the info, can I "convert" a CC to free for life?

coz the redeem point already include the delivery fees. IF want lower redeem point go to Maybankard Center at 1 Utama

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions