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 Credit Card Thread V5, (added FMB website to 1st post)

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tgeoklin
post Nov 6 2008, 08:27 AM

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QUOTE(Chester @ Nov 5 2008, 11:23 PM)
I wish I have a World MasterCard smile.gif
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Any particular reasons you want to have one? Its not really of much stock unless you are a frequent traveller smile.gif
tgeoklin
post Nov 7 2008, 09:33 AM

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QUOTE(MilesAndMore @ Nov 6 2008, 11:13 PM)
I have just seen the CIMB Enrich World Mastercard on "The Edge". Now i wonder how to get invited.
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Easy, all current enrich plat card holder with limit of RM200K and above automatically qualifies tongue.gif
tgeoklin
post Nov 17 2008, 06:11 PM

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QUOTE(zenquix @ Nov 17 2008, 06:05 PM)
Have not been successful yet. If you have a DA card, you cannot apply for a CIMB Petronas. I know cause I tried. Reason given is both cards got fuel rebate. Have not tried the vanilla CIMB cards or Enrich cards yet.
Based on my experience  Direct Access from CIMB. Within a week you get your card.
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Citibank can get card in 1 hour if you show up & apply at their card center at jln ampang.
tgeoklin
post Nov 26 2008, 08:47 AM

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QUOTE(cute_boboi @ Nov 26 2008, 07:25 AM)
No, I did not hit on her  sweat.gif  doh.gif  tongue.gif
biggrin.gif
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What a waste ...... or maybe you not telling??? brows.gif

Finally after a record time of 2 months, I have finally terminated all my Maybank card .... what a relief rclxm9.gif
tgeoklin
post Dec 10 2008, 12:33 PM

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QUOTE(zcatz @ Dec 10 2008, 10:14 AM)
are u sure about this? can't find anywhere at their website.
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Amex is 6 mths interest free instalments @ no charges ...... min 1K spending
tgeoklin
post Dec 10 2008, 05:00 PM

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Added on December 10, 2008, 1:29 pm

Is this Balance Transfer or Zero Free Interest when you purchase?


Added on December 10, 2008, 1:31 pm


Its for whatever you buy, on anything. Then call them and get converted into 6 mths installments, no interest, admin fess etc


Added on December 10, 2008, 5:03 pm
QUOTE(eviljonz @ Dec 10 2008, 03:32 PM)
Amex only good when u r overseas
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NEVER EVER use your AMEX Overseas. Got 2.5% extra admin charges in addition to a really high conversion rates mad.gif

This post has been edited by tgeoklin: Dec 10 2008, 05:03 PM
tgeoklin
post Dec 12 2008, 12:45 PM

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QUOTE(siutimtim @ Dec 12 2008, 12:37 PM)
if monthly income 3k plus can get credit to rm25k ?
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Can .... this is boleh land mah tongue.gif
tgeoklin
post Dec 15 2008, 06:21 PM

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QUOTE(b00n @ Dec 15 2008, 04:52 PM)
Yes, from my observation Citi tend to increase their customer's limit automatically unlike other banks.
Reality is if one have more cards it's easier for them to get even more cards provided their payment history is good lar...
It's just an unfair world we're living in... wink.gif
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CL are normally determined as follows :-

1) up to 33% of your fixed annual income for most banks

2) the overall CL you are currently enjoying, the more cards you hold, the chances are you may be over exposed

3) your repayment patterns & historical records, the longer the better

4) cumulative loan exposure etc
tgeoklin
post Dec 16 2008, 09:46 AM

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QUOTE(zenquix @ Dec 16 2008, 06:51 AM)
Not forgetting World Mastercard launched for CIMB and Direct Access. RM180k income p.a. requirement for D.A, RM240k p.a. for CIMB.

http://www.directaccess.com.my/index.php?c...rd&ac=45&tpt=da
http://www.cimbbank.com.my/index.php?ch=su...1&tpt=cimb_bank

new target for the vips? tongue.gif
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Erh, can take both or only one? Both design are looks different. Anyone tried yet?
tgeoklin
post Dec 16 2008, 10:41 AM

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QUOTE(tinkerbel @ Dec 16 2008, 10:17 AM)
@tgeoklin,
If U qualify for both U could always apply for both - it's 2 separate cards from 2 separate banks.  DA is DA and CIMB is CIMB.
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Erh, thought DA is a division of CIMB????
tgeoklin
post Dec 17 2008, 07:35 AM

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QUOTE(Reventon @ Dec 16 2008, 08:33 PM)
haha , they know what will happen if they send the redemption letter before charging you annual fee...

i've successfully waived my visa gold and platinum last month with a phone call , double checked with the CS and she told me would not touch my treatpoints for it.. just to be sure as i've heard some of the forumers say that MBB agreed to waived it but in fact using up their points for the waiver..

so far i dont have problem with their latest promo and the only bad experience was their CS effectiveness and slow response to our demand.
But AMEX CS is way better than MBB , maybe i am the lucky one ?  hmm.gif
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I understand they do not waive annual fees for Amex Plat, so do fill us in if you do managed to get it waived tongue.gif

Btw, even Amex CS is starting to be contaminated by MBB's culture. Compared to the hey days, its sad sad.gif
tgeoklin
post Dec 19 2008, 04:18 PM

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QUOTE(RockIron @ Dec 19 2008, 01:25 PM)
Hi, just something to share...........

I applied few times for PBB Plat cards but they rejected me everytime. doh.gif

My salary more than enough for their requirements.

I submit salary slip,EPF statement,bank statement,other bank Plat cards(higher requirements than PBB Plat) using more than few years to pledged also they rejected me.

I checked with BNM for my credit report and it is clear.

Also,I never owe any bank or have any outstanding balance.

Maybe I hold too many cards and this is the reason of rejection.

Anyone got this experiance? How long can reapply after rejection?

Pls share...............
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Its norm and you are probably right about holding too many cards. There was a time I had practically every cc there was in M'sia biggrin.gif

Imagine my surprise when suddenly one day got rejected hmm.gif so I called up and asked why, and they say its because I had what you called a credit over exposure. After that, I always make sure to cancel all the cards I do not need after adding them to my collection. Hope that helps tongue.gif
tgeoklin
post Dec 20 2008, 03:42 PM

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QUOTE(RockIron @ Dec 19 2008, 08:48 PM)
Hi Tinkerbel,
Actuali i am collecting my plat cc collection.
Just short of PBB,HLB & OCBC plat cc to complete it.
But after few times rejection from PBB, i think my collection...... doh.gif


Added on December 19, 2008, 8:56 pm
Hi tgeoklin,
Maybe u r rite with ur experiance, then i think i should giv up my collection. sad.gif
Also, cant get the OCBC MC plat too coz not open for application.(By invitaion only)
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No need give up. After getting the card, then cancel. That way, get to keep cards & also reduce your exposure. As to the OCBC Plat card, all you need is place a FD of sunstantial amount and they will send you an invitation. Oh, you may need to be very patient as they are pretty slow tongue.gif

FYI I got the OCBC card way back in 1990 when its by invitation that way as well. Then it was very prestige with a min of 15K for classic and 30K for gold, and in time they gave me the titanium & plat etc card etc. All also cancel now as well thumbup.gif

tgeoklin
post Dec 22 2008, 11:00 AM

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QUOTE(RockIron @ Dec 20 2008, 05:11 PM)
Yup, agreed to what u say.
Maybank offer me the AMEX Plat cc.(pre-apprroved)
No need pay RM800 AF coz it comes with welcome packed. rclxms.gif
Ask OCBC plat line CS, they say cant apply even put FD in the bank. rclxub.gif
Need recomendation letter from their top management for this plat MC.
Dun know what make this cc so exclusive?????
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CS will of course not be aware as its a computerised process, thus you will need to set off the alarm bells for the top guns to notice you. Trust me, the invitation will be forthcoming. And that's what makes it so exclusive, the hard to obtain factor. More so for collectors brows.gif

Do understand, you can't compared them to Maybank as even in M'sia, MBB is the standard for how things could always be done better tongue.gif
tgeoklin
post Dec 22 2008, 12:49 PM

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QUOTE(MilesAndMore @ Dec 22 2008, 12:35 PM)
That's a hint that RockIron has an obese Maybank account  biggrin.gif
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I believe that was the promotion when MBB first launched the Plat CC which was limited to the first 10K per-approved customer smile.gif
tgeoklin
post Dec 22 2008, 01:41 PM

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[
Added on December 22, 2008, 1:32 pm
Hi tgeoklin,
Maybe??? But if their CL can be seperate CL from my existing MBB cards then it will b bravo.... nod.gif
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[/quote]

Well, you can always convert to their Plat Charge card, then no need worry about inadequate CL tongue.gif
tgeoklin
post Dec 24 2008, 10:55 AM

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QUOTE(wcs2798 @ Dec 24 2008, 10:12 AM)
i think thats only apply to gold card holders but not classic
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Nope they had since changed system to combined limit whistling.gif
tgeoklin
post Dec 24 2008, 11:59 AM

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QUOTE(tinkerbel @ Dec 24 2008, 11:55 AM)
@RockIron,
Er.. I usually don't exceed more than 50% of my available CL but I made some rather heavy purchases the last few months hence I used up my total available CL on Amex.

On another note, I just checked.. Citibank gave me an additional RM20k credit line with my renewed CC - weird and crazy bank.  When I wanted it they don't give it to me, when I don't need it, they give it to me !
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Yeap, that's y at times having a charge card is good as never know when you might need to go on a mad rush at the very last minute tongue.gif

And with the current scenario, much harder to get increse in CL, abeit temporary sad.gif
tgeoklin
post Dec 24 2008, 12:10 PM

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QUOTE(tinkerbel @ Dec 24 2008, 12:07 PM)
@tgeoklin,
I'll be mad if I actually used up all my CL on my CCs.  It's just that I only have 1 Amex card and rather accumulate my points on that one account than have it split across Amex & Citibank tongue.gif
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I understand but at times its damn as if we know what we need to be spending on, right? You will be surprised at how many times I had broke my limit when I least expect to do so tongue.gif
tgeoklin
post Dec 24 2008, 03:40 PM

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QUOTE(tinkerbel @ Dec 24 2008, 01:47 PM)
@tgeoklin,
Am sure it's on the ocassional rare moments; and even then U could always pay up your bills first smile.gif  Amex + Citibank combined, I have close to RM100k CL - definitely do not intend to use it up ! *gulps*
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@Tinkerbel, you will be surprised what I sometimes go thru when on extended trips. There was once I even had to have a temp increse of RM200K after shooting thru the roof. Lucky the bank was very obliging, otherwise would be in very hot soup

Paying ahead is definitely not an option, more so when you do not even have the funds at the time in question. biggrin.gif

This post has been edited by tgeoklin: Dec 24 2008, 03:48 PM

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