Hi, the alliz nique Picture Card is MsterCard or VISA ? Or, it come with both
Credit Card Thread V5, (added FMB website to 1st post)
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 Feb 8 2009, 08:31 AM
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1,056 posts Joined: Apr 2006   
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Feb 8 2009, 09:10 AM
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Senior Member
2,552 posts Joined: Jan 2008
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QUOTE(WilliamGoh @ Feb 8 2009, 06:54 AM) they actually cannot declare me bankrupt if i owe less than RM30k... so they cannnot cancel my passport... just curious, why would you risk your lifetime financial record for only 30k? that said who knows when they will change rules and systems or maybe even get your family involved.basically the only thing they can do is to blacklist me for life??  |
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Feb 8 2009, 09:59 AM
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Junior Member
370 posts Joined: Dec 2008
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I got annual fixed income about 35k per annum, confirmed staff
If nett salary, consider about 42k p.a due to some un-fixed allowances but consistantly average 3.5k per month However I work <1 year in this company and no EA form Holding 2 CC with other bank, owing about rm5~7k in total ... but I pay rm2~3k each month Am i qualify for HSBC gold card ? |
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Feb 8 2009, 10:34 AM
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Senior Member
1,933 posts Joined: Mar 2006 From: ~Universe~
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QUOTE(J'Daniel @ Feb 8 2009, 09:59 AM) I got annual fixed income about 35k per annum, confirmed staff u got to giv it a try 1st..If nett salary, consider about 42k p.a due to some un-fixed allowances but consistantly average 3.5k per month However I work <1 year in this company and no EA form Holding 2 CC with other bank, owing about rm5~7k in total ... but I pay rm2~3k each month Am i qualify for HSBC gold card ? |
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Feb 8 2009, 12:22 PM
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Senior Member
2,921 posts Joined: Oct 2007
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QUOTE(J'Daniel @ Feb 8 2009, 09:59 AM) I got annual fixed income about 35k per annum, confirmed staff if your existing card has at least 8k CL, then you can get your gold card ! If nett salary, consider about 42k p.a due to some un-fixed allowances but consistantly average 3.5k per month However I work <1 year in this company and no EA form Holding 2 CC with other bank, owing about rm5~7k in total ... but I pay rm2~3k each month Am i qualify for HSBC gold card ? |
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Feb 8 2009, 12:34 PM
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Junior Member
48 posts Joined: Jul 2007
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WilliamGoh, not worth it for RM30K. bad reputation.
This post has been edited by choice: Feb 8 2009, 12:39 PM |
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Feb 8 2009, 01:15 PM
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Senior Member
4,398 posts Joined: Jan 2003  
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Direct Access WORLD MasterCard
need 180k annual income (saw it from their webbie)? Is that a typo? |
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Feb 8 2009, 02:32 PM
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All Stars
10,912 posts Joined: Feb 2006
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did any1 got redeem their citibank rewards points b4?
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Feb 8 2009, 03:48 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(WilliamGoh @ Feb 8 2009, 06:54 AM) they actually cannot declare me bankrupt if i owe less than RM30k... so they cannnot cancel my passport... Nope. You'll get many letters from their appointed agency and should you continue to ignore the letters sent to you, they will sue you officially. They will freeze all your money inside any banks, you might not be allowed to travel overseas until the case is settled. Fixed assets temporary confiscated. And on top of that, they just might sue you for not cooperating with them until you are thrown into jail. Good luck !basically the only thing they can do is to blacklist me for life?? This post has been edited by MilesAndMore: Feb 8 2009, 03:51 PM |
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Feb 8 2009, 04:03 PM
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Senior Member
5,227 posts Joined: Jan 2003 From: Anchorage, Alaska 
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dont get blaclisted.. very troublesome for anything in d future.. loans ODs all very hard to obtain/
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Feb 8 2009, 04:16 PM
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Senior Member
4,095 posts Joined: Jan 2003 From: USJ
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QUOTE(ed0gawa @ Feb 8 2009, 01:15 PM) Direct Access WORLD MasterCard not typo, it's really 180k need 180k annual income (saw it from their webbie)? Is that a typo?  |
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Feb 8 2009, 05:41 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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I think I gonna go for alliances bank new you nique card xD
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Feb 8 2009, 07:34 PM
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Senior Member
1,206 posts Joined: Jan 2008
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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 This post has been edited by cenkudu: Feb 8 2009, 07:40 PM |
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Feb 8 2009, 07:58 PM
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Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya
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QUOTE(cenkudu @ Feb 8 2009, 07:34 PM) 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? The statement balance!!!thanks |
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Feb 8 2009, 08:39 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(cenkudu @ Feb 8 2009, 07:34 PM) 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? Poslajuthanks |
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Feb 8 2009, 08:46 PM
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Senior Member
1,206 posts Joined: Jan 2008
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thanks for both answers
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Feb 8 2009, 08:56 PM
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Junior Member
370 posts Joined: Dec 2008
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QUOTE(Phoeni_142 @ Feb 7 2009, 06:11 PM) Depends on the tripwire's of the banks. Thanks a bunch Normally, there are 2 transactions which will "arouse" a bank's suspicion. 1. Cash Advance - Please be very careful here. A huge cash advance vs. your credit limit will normally indicate that u are of a higher risk profile. 2. Consistently high utilization of your credit limit - normally consistent usage of at least 85% or more of your credit limit would indicate that u are quite a risky player. 3. Point 3 is subjective. For instance, some banks may have some "tripwires" in place for high-risk or fraudulent transactions....e.g. Overseas travel or bulk purchase of jewellery. Don't think it will really affect your risk profile here though - just affects your convenience.  I'd say that I use quite number of cash advance here ... confirm the bank going to see me as high risk profile  I normally use cash advance in Genting about 2~3k ... and my CL is 5k But I will pay like 2k each month, no late payment  It seem like u so got so detail about the risk thingy .. r u working in bank ?  |
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Feb 8 2009, 09:20 PM
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Junior Member
194 posts Joined: Dec 2008
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Can CC use for topup?
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Feb 8 2009, 09:30 PM
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VIP
12,925 posts Joined: Mar 2005 From: Kuala Lumpur
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QUOTE(gecodine @ Feb 8 2009, 09:20 PM) Can CC use for topup? Define top upIf you're talking about buying reloading cards , then its a yes ! |
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Feb 8 2009, 10:03 PM
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Senior Member
753 posts Joined: Dec 2008
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QUOTE(J'Daniel @ Feb 8 2009, 08:56 PM) Thanks a bunch Hi,I'd say that I use quite number of cash advance here ... confirm the bank going to see me as high risk profile I normally use cash advance in Genting about 2~3k ... and my CL is 5k But I will pay like 2k each month, no late payment It seem like u so got so detail about the risk thingy .. r u working in bank ? Property investments are my passion, but my day job is still in banking. Many people fail to realize that cards is a very important indicator which banks use to determine a customer's risk profile. Your card conduct may even affect your mortgage or HP application. As such, I'm glad that you're asking questions related to risk profiling, rather than just features, features and features. Good luck! |
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