Side track: Couple of weeks ago, I went to KLCC Maybank (newly opened near KFC) and inquire about this and Form ATM56. They search high and low, call here and there, after 30 min, cannot find the form, ask me to go back to MBB KL Main <vomit blood>

Guys ... can we skip all this talk about ATM cards and return to the main topic please ? There has been too much activities on this subject already and the sidetracking are very obvious.

And please ignore CSS if he/she opens up this ATM subject again.

Thank you

how much is your loan amount?

I did a hire purchase with PBB and yes ... in the many stack of forms, there's also the cc application form. The agent wiho processed my form said that the card is preapproved (make sense coz the bank have all your income documents in the first place - similar to a typical cc application process) but I told the guy that I'll be declining the card.

BTW I never receive any cc from them till now. Not to jump the gun, you could call the CS and ask them how did this card arrive without your application. You could tell them that you wish to be certain your documents are not being used fraudalently and I'm sure they will entertain you if you are persuasive enough. On the safe side it is better to be sure as if it is really true that someone within PBB is using your details without your knowledge, you could act to inform the bank (and manybe police) to ensure such bad practices will be halted.

Not with Public Bank. Other banks will let you close your account for free after 3 months from opening. Anyway, wouldn't be a problem for me as it is the only local bank account i'm holding and will never close it. So i won't have to worry about being charged RM10


It is a complimentary card for borrowing money from them. They offer a Gold complimentary credit to most of their hire purchase and home loan customers. My aunt has one.


There are other banks don't need you to do have a time deposit with them. Might as well try other banks.

40k only.

im guessing a cc agent can easily earn lots of commission if using this tactic, without prior knowledge from loan applicant.

so its considered 'normal' then. but is it ethical?

I've loan 60k with EON Bank but they did not give me any cards also ....zzzzzzzzzzzzzzzzzz EON Bank really suck.

I feel like wanna cancel my another CIMB card due of share limit ... Do you guys think I really need to submit anything just to terminate my card ?

You have to inform them in writing, informing them verbally would not work or accepted. Look for a sample in the 1st post of this thread.

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Added on April 28, 2009, 7:07 pmSome banks practice product "cross marketing" and it makes sense for them. I'm not saying that I condone such practices but what is more important is for consumers (e.g. cc users who read this thread) to be aware and take necessary steps to prevent fraud. You think the bank are going to care if you call them up and cry "ethical or not" ? Heck, they want to make money ... they are not charity !

This post has been edited by hye: Apr 28 2009, 07:09 PM

I read already. I read the sample and I gonna follow aswell to give them this letter ... share limit and 2 card .. might as well 1 card enough .. lol..

Depends on the staff processing your application. Certain staff will ask you if you are interested applying for a EON Bank credit card while some won't even bother to ask.

Maybank credit card, is good. i survey around and they offer 0% ezypayment instalment plan on most shop that sells item more than rm1k.

Is there any 1 time fee or charges if we use MBB 0% installment plan?

So far, I didn't charge for processing fee. Maybe the merchant (Dell and Harvey Norman) absorbed it.

Normally the merchant will absorb it. If I'm not mistaken, MBB charges RM70 to the merchant per installment plan.

I am going to apply for one or two credit cards, mainly use for paying utilities and petrol. Anyone can recommend the best? If possible, one card for both the purposes mentioned would be great.

Thanks!

first,maybank wont charge u for using 0% installment plan

normally merchat wont charge u any fee provided they are selling their goods with RRP.if they are selling below RRP,sure they will charge u like 4-5% extra base on their lowest offer price

UOB One Card.normally it will come with UOB VOX Card as well

This post has been edited by wcs2798: Apr 29 2009, 01:45 PM

When I bought a TV last year with MBB 12-mths 0% installment plan, the price is absorbed by the merchant. I asked and recalled he said the fee was about RM40-60

Hi there, anyone can recommend me which cc to apply for as my condition below:-

annual income above 70K
tax payer for above 3 years
annual tax payable around 5-6k
current age 20+
clean background
no black listed and all

But most of my cc's application couldnt succeed