Ok guys, just found out this excellent thread. Version 5 already. Congrats!

My situation is like this. I have a Maybank Visa Classic card which I use for everything and the limit now is RM8k. Currently have TnG Zing and several auto bills link to it.

I also have a CIMB classic card used since year 2000 limit RM10K and they offer me to upgrade to Gold card for limit RM14K a couple of months back. I use this as backup card for travel. Upgrade means I have to cancel the old classic card.

Now the situation is I want to apply Maybank Visa Gold card to same or higher limit as CIMB

So what is the procedures? If anyone could give suggestions, I would really appreciate it.

Can I keep the old card first, transfer all auto bills to new card and then only cancel.

p.s. Is the Maybank Sonycard any good since I also plan to buy LCD tv in near future.

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Added on December 4, 2008, 11:36 amI just fill in form at the Air Asia website and yesterday someone call me and email me forms. Today someone from Citibank come to pickup my form. If can get same limit as my CIMB card then I would also keep this card for emergencies, else cancel. Also if very very lucky can win that trip to London

This post has been edited by gyver: Dec 4 2008, 11:36 AM

Maybank agents are less aggresive as compared to their local foreign cc counterparts. The likely hood of them looking for you are less as they are more likely to operate out of shopping mall and events. (or wait for the annual Treats fair) You want the card quickly then pick up the phone, fill in the forms and send it to them.

Anyone using Alliance-IKEA card? This is my situation. There have been 2 times already when they don't send me the bills for a month so the next month when arrived I will be charge a late fee and interest on the auto bills to this card. At least for CIMB they will call me up if they don't receive the payment for that particular month.

It seems that they are doing this sort of money game to get RM28 off me. What lousy tactics. It's not that much but having my card blocked for the autobill really pisses me off. Then AIA will charge some more high interest to my account.

I have been a loyal user and paymaster since the year 2000 and no problems before but this year this thing happen. To be fair the free cofee at IKEA is a nice gesture though. So what you guys think? Cancel or not... hehehe

Wow ! This is new to me.

I think the blame is on Alliance bank. Ikea only provide the promotion...Alliance is supposed to send you the monthly statements rite? Only thing you can do is call them and make a complaint. But annoy them as well by paying on time, with or without the statements. Can you check the amount with ease? like online or nearby ATM?

Not really. But now I will make a manual system to track my bills deadline (not wait for bills like last time) and I plan to pay on time every month with or without the statements. Thanks for your suggestion

FYI last week when I went to Ikea and find out that my card was block, I pay using Maybank CC and collect points to Ikea card. This way I get 2 extra points collection - to Ikea friends and also to Treatpoints. I will try to do this next time also and see if it works and let you guys know about it.

Most probably typo.

No. It's not a typo. RM18000/pa is the minimum salary required to apply for Standard Chartered Bank Gold credit card.

maybe for SCB Character Cc.

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

I vote for Shell City Visa. Doesn't really have any use. HLB good? Don't see many people using them...

vote for MBF...need to pay every year. poor CS

Depends on which card's benefits you use the most?

Eg: if you are always getting petrol at Shell then it is better to keep Citi Shell card. Likewise for other cards, you gotta evaluate it. At least that's how I do it

My mbb visa & master seem to be appear in my m2u , i guess its just been approved

i check my Visa & master seem to have rm5k limit on each of them

Is it a combine limit or seperate ?

I would say HLB, Shell Citi VISA and MBF.

MBF = Always will con people to pay for the annual fee.
Citi Shell = If you want to enjoy the rebate, best if you have debt with the bank. Forget it
HLB = Not the best cc around. Many others which are better than them. They lost a lot of customers when no more free parking @ 1Utama coz that's their best priviledge !

SCB Batman = Neutral. Card got no problems actually but you may want to cancel this card once your friends / business associate laugh (or lose face) @ you when they see the card.

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Added on December 5, 2008, 11:22 amCombined limit

This post has been edited by hye: Dec 5 2008, 02:35 PM

it is suggest you go to their company to clear about what actually they provide, nowsday a lots of scam...

Approval takes 3-4 weeks if you apply through agent or online...

I would just cut all except HSBC. It has almost the best benefits among all cards in the markets now..
the CS somemore is very satisfying (up until now)

All except HSBC, but if your monthly expenses can be more than RM3k, then you better keep your SCB, there is a contest now:

http://www.standardchartered.com.my/cb/cre...ndad/index.html

Just call HSBC. The 5% cash rebate on the 5th purchase promotion is only until 31st March 2009.

CANCEL "HLB", "StanChart Batman", "Shell Citi" and "MBF". KEEP "HSBC" and APPLY for "CIMB Mastercard". Lots of promotion year-round from CIMB.

This post has been edited by MilesAndMore: Dec 5 2008, 06:49 PM