Even I look as high risk doing lots of withdrawal, but I still paid at least 50% every month. Don't the bank see me as good source of income to the bank ?

For mortgage or loan application, I guess only the bank Im holding cards will be able to see my transaction details right ?
Other bank can see my CCRIS ( how many cards im holding, total outstanding, late pymt n etc) only ... correct me if i wrong

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

True. Forgot this one

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Added on February 9, 2009, 1:45 ambuy mobile prepaid or other retail transaction at 7E/petrol station?

This post has been edited by gecodine: Feb 9 2009, 01:46 AM

1. Yes, u are right - provided u pay 50% of your outstandings in a consistent manner - generally, the bank views u as a profitable customer. However, u may still be viewed as a "higher risk" profile - and your requests for credit limit upgrades may be adversely affected here e.g. - due to frequent cash advances etc.

2. If u hold a c.card in citibank for example - and wish to apply for a Home loan in citibank - their credit dept would have more internal filters to review your credit card conduct.

3. Other banks can only see your CCRIS record provided u submit a fresh loan application to them. They have no right to check if u do give them your consent via the application. Yes, u can see the months in arrears and outstanding via ccris.....however, the details such as Cash advance, type of card transactions can't be seen from there.

cheers.

Is anyone facing the problem regarding the Direct Access account does not show up in CIMB Clicks?

I want to check my DA statement, but it doesn't show up inside the account summary. FYI, I have CIMB Clicks account before I got my DA.

Bank Negara is really makes us burden a lot by implementing the late charges and the finance charge that calculated from the transaction date if no full payment is made on due date instead of statement date which was previously.

I forgot to pay yesterday and today was debited 1% on late charges

Maybe you can try calling their helpline?

Yeah why not. Its possible

But keep in mind not all merchants want to take credit cards

Usually you could charge it online

where i can buy topup online for 012 using CC?

This post has been edited by gecodine: Feb 9 2009, 03:52 PM

Probably you could get them to waive the 1% if u were always on time

I always forgot and asked them to waive for past two months... If wanna ask again, paiseh bo?

This bank very celaka, 1 day late sudah kena on the next day...

HongLeong Bank gives me2-3 days then only debit to my account.

Slap yerself then .... or get your wife/gf/bf/mistress/toyboy/toygirl/sugamummy/sugadaddy/pa/clerk/boss/manager/director to slap you on the day you are suppose to pay the bill so that you wont forget.

I got charge once or twices as well.... didn't bother to ask for waiver though... i remember i had to pay. but then i forgot when it comes... so.... wel.. my fault... so, let them earn lo. Rugi duit hoping i would be scare for 2nd time. Mana tau it doesn't really work.

so far only my pbb master can buy top up online using CC at their own website
mbb, hlb and hsbc cc cannot buy on9

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Added on February 9, 2009, 7:45 pmaiya, can set reminder using handphone or google calendar ma

This post has been edited by alexwsk: Feb 9 2009, 07:45 PM

how long does a cc application usually takes?

2-3 weeks

I always pay a few days earlier. You don't have to pay exactly on the due date...

so any eon bank credit card agent here? please private message me

Where can get "member get member" form for CIMB Petronas MasterCard? Is this available? Any benefit?

wakakakaka... why not you remind me every month,, then i remind u too...