i've just applied for balance transfer with alliance bank. in the application for the cc i had to give a reference who is not my close relative. i gave them my office mate's name and phone no. why do they need this?

with my mbb cc i could just give them my brother's name. why do they need the reference? they never called my brother before also.

This policy is in the event you did not pay for a few months and the bank can't contact you. The bank will then call these people in the hope that they know where you are. Sometimes the bank checks out the reference sometimes they don't - it is random but they will if they are slightly suspicious of your application.

This procedure is quite standard, so don't worry.

I am seeking a template/ letter to a bank, in order to waive the credit card annual fees.

Can anyone send me a sample letter.

Thank you in advance.

no need la, just call them and ask

Daddy's card.

They need to talk to my dad, but my dad can't speak well in English.

It's on the first page of this topic.

that one is cancellation of credit card.

Catherine85, I take it as you are born in 1985 (from your nick) which makes you like 23 years old this year.

So learn to improvise. Luckily I didn't ask you to search the web or even ask you to use common sense to draft own letter.

What you need to do is change the termination/cancellation letter to asking for a waiver on credit card annual fees.
Also, this text here "Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request." you can take it off.

OR

Alternatively you can still call the bank. Most call centers here would have someone who speaks mandarin.

anyone here using maybankard platinum cards which have the annual fee waived???(excluding the petronas visa platinum)

As I always maintain my principle now, I don't go for cards that need you to call in/write letter/beg for annual fee waiver, whether you swipe RM1 or RM1,000,000 in a year.

Either switch to free-for-life, or if there are conditions like swipe at least twice a month or 12x per year. Swipe it and follow the conditions.

I'm using MBB visa plat, you can get annual fee waived by calling them once they billed the fee in your statement. Afaik that work for every bank generic plat card except amex plat.
The one i can't sure is some bank plat card like Rhb which come with a priorty pass can get annual fee waived thru a phone call or not. No answer to this quest yet.

This might be embarrassing. well I would like to ask, lets say my salary is 2k, after deduction left 1.8k. which should I use to declare my annual income?

Customer is KING.

you shd ask the customer service who can speak mandarin!!!

I understand the decision of credit limit is solely based on bank itself. but is it normal to get an entry limit for gold card (example 10k) for first timer even though the salary is reasonably high (example 8k per month)?

Use gross salary. Even previous EA form and J form also based on gross salary. Hence 2k.

A lot of ways to prove your income:

1. Payslip
2. EA or J form
3. EPF statement
4. Insurance premium payment slip (some forumer shared).

Thanks for the prompt response. if a customer whom do not posses a savings account as opposed to those whom have a savings account in the same bank. will there be any difference in treatment? or its just same?

Technically speaking, no difference at all!

Again, my weird experience. My salary is banked into HSBC every month. I applied HSBC CC, submit all docs, salary slip, proof, etc. But I got rejected.

Then I not happy already. One fine day, HSBC tele-marketer called me, and asked me fill up one single form. No docs. I fill up, faxed in, and they send me the CC. All happened within 12 months period.

Same company, same salary, same home.

HSBC has a lousy management. This could be their non-integrated system like Maybank has whereby one button (maybe several clicks), all your financial products with Maybank could be retrieved on the screen.