Hi,

how actually bank set the credit limit for a new applicant? I heard somewhere it should be 2 times your salary. is it right? so if your salary is 5K the limit is 10k

i see if that the case, for new applicant they maybe need to try for a few cards until they get the limit that they are looking for. Or just accept the limit set by the bank and apply for limit increase later on.

MBB consider local or international? :-)

international:OCBC,HSBC,UOB,Citbank,SC

is it logic to get CL of 10k for RM4.5k salary? or should it be more or less? consider there is no other limiting factor

what is the advantage of MBB Ikhwan? any rebates?

Is there any other hidden charge if we apply for balance transfer plan? plan to settle outstanding balance in previous card ASAP. looks like it is much more cheaper to use balance transfer plan instead of pay to the bank bit by bit (interest much more higher)

Is DA and CIMB cards are two different things? furthermore if I apply for both and get approved is the credit limit will be shared in those cards?

This post has been edited by cenkudu: Nov 16 2008, 10:44 PM

just got a CC and now decided not to take it. how should I cancel the card. should I just cut the card or I have to inform them

This post has been edited by cenkudu: Nov 22 2008, 05:42 PM

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)?

I'm not sure how interest are calculated for balance transfer and personal loan. My understanding is for balance transfer the interest will be calculated by X % (interest rate) times each of the month outstanding balance while for personal X % times the total loan. so that's means for personal loan the interest is fixed every month. can someone confirm this? I ask this question to evaluate which is more cheaper to settle outstanding balance.

anyone has experience with Hong Leong Bank? they current promotion for balance transfer sound interesting. 6.99% p.a for life or you can take other BT with low interest in 6, 9 or 12 months

is it safe to apply credit card over the promotion counter at the shopping mall? do they need to photocopy both side of our credit card from the other bank?

CIMB or CIMB DA

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

If we close our credit card but we have overpaid, is it possible for us to get back the remaining balance?

I pump petrol at Shell using my CC few days ago. machine has said approved but before the machine say pls remove your card I have pull the card already. then it get stuck few moments before I manage to get it back. Today, I have problem to use the card in other shell station. it could not be process, is that mean my card has damaged because of this? but when I call CS they said the card is OK but problem with the terminal.

MBF card is supported by Ambank. if you ask for credit limit normally Ambank the one who decide whether you can get extra limit or not

option 1 and 2 is for customers without CIMB account and option 1-4 is for customers with CIMB account

that's true otherwise you will have same experience like me. pay at tm kiosk to streamyx account and after 1 months they did not able to trace the payment. opss out of topic. anyone is holding Bank Islam credit card?

I need to retain one of this classic card Hong Leong, Ambank and mbf card. which one is the best among those 3?