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

What : Maybank Treats Fair 2009
When : 23rd - 26th July 2009
Where : Mid Valley Exhibition Centre
Who : Open to Public

Maybank Treats Fair started on 2005 and it's back for the 7th time. Treats Fair is open to general public, anyone can visit. However, for Maybankard Credit Card holders, you can redeem goods with your TreatsPoints. Also, there'll be lots of offers, bargains and Guranteed Gifts. Not to mention up to 36 months 0% EzyPay program on offer.

Key highlights (2008):
60 Minutes Card - Approval of new card application within 60 minutes.

Just applied for SCB JustOne card....

Just now go Maybank applied a classic card for my wife but they told MAYBANK DO NOT OFFER CLASSIC CARD ALREADY NOW. I was like wtf? are u kidding me? and the officer there keep on pushing for the Ikhwan Gold card and Petronas card to us. Frustrated then went on to other branch also the same. They say now Maybank only concentrate on Ikhwan and Petronas card so other cards not available. Maybank you seriously need to buck up your service here. At the same day, i went to cimb and applied the World Mastercard. Their service is FAST, PROMPT AND EFFICIENT. Cimb is really good.

Think it's a credit + debit card. So you can choose to pay via credit or ur current account. Can also use at ATM's to choose between cash advance and withdrawal from current a/c

I have use at numerous overseas places and i dont have any problems...Maybe it is your luck.

Customer service for DA is excellent so far.

Well yea, DA is a decent card, but recognition can be a problem. I had this Toyota fella asking "Direct Acces boleh?" for some instalment plan, when I kept trying to tell him it was a CIMB card -.-

Maybe i use email facility....Try email and i think the response quite fast..

hmmm...I think even i dont put that signature, i still will think DA is good..well depends on people naturally...

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Added on May 9, 2009, 2:02 pmPuvan Maha Iswara
<puvand@gmail.com>  Thu, Mar 5, 2009 at 12:26 PM
To: Direct Access <directaccess@cimb.com>
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Hi

Can I know until when the petrol rebate going to end?

Thanks
Puvan

Add star
Direct Access
<directaccess@cimb.com>  Thu, Mar 5, 2009 at 2:13 PM
To: Puvan Maha Iswara <puvand@gmail.com>
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Dear Mr. Puvan,

Thank you for your email.

We are pleased to inform you that the permanent privilege is valid for all Direct Access MasterCard.

You will enjoy an exclusive 2% rebate* for all transactions at any petrol station nationwide with Direct Access MasterCard! (*Rebate is subject to a maximum spending of RM2,500 at all petrol stations or rebate of RM50 per card per month).

The cash rebate will be credited into your card once a month.

Thank you

Regards
SL Tan

The response within a few hours..

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Added on May 10, 2009, 10:47 pm

This card works best if you always buy things from Sony Wings. Well, there's so many cards out there which are free. Customer will just walk out unless banks match the "Free for Life" offer.

For example, HSBC offered me a 5 years annual fee waiver when I wanted to cancel. I was with them for only 2 years I think.

It's true that Visa paywave is a combo feature for Visa Wave and Mastercard Paypass. I have no problem of using Paypass card at KFC. Just want to try on a Paywave card.

Which KFC you all go to in order to use CC? All outlets I've been after the first month always say the same thing, terminal down, not reliable, etc. I've been to Jln Universiti, Section 14, Kepong, KL Sentral outlets with the same outcome.

I am thinking to reduce my CL for my Alliance's cc Cash Back card as I only intend to use up to a max of RM6K. (Cash back is only applicable for RM5K per month)

Would this improve my credit risk ? Need a second opinion ..

@hye,
Yes & No.  I've been informed, banks generally do not know what your overall CL is - they only know what cards you're holding.

This is normal like MilesAndMore mentioned. Most merchant terminals will display your 16 digit cc on the merchant copy but not on your copy. Some terminals will not display all 16 but only the last 4 digits. (But I can't remember which bank ... maybe it is HSBC terminals only will this happen)

I have been watching my slips for the last couple of months since this subject was bought up some time back by another forummer.

Best is to ensure u don't leave those slips lying down anywhere   Dispose them off properly if U do decide to throw them away

I'm not particularly worried about my cc being "cloned" like in the old days just because someone knew my cc 16 digits. However, I'm concerned about those scams that you will always get via the phone - recently TheStar reveals that these info can be bought cheaply.

They suspect someone within the industry itself is providing this info to these cold calls companies.
Although I have confidence with bank's cc dispute resolution system but it is always good to be safe. For years, I have made a practice to destroy (via shredding or tear into small pieces) my old cc slips after a while.

Hi everyone,

Is me again. I just wish to share my joy and also terrible experience with OCBC Robinsons VISA.

Joy, I managed to request for Annual Fee (AF) waiver for this year only - saving 300. 

Pain, the actual annual fee waiver terms and conditions are to utilise the card by spending 1000 @ robinsons and 7000 @ other merchants per annuam. And "Some" of the call executives are not helpful at all (like suggestion on how to appeal and etc).

How I did it, I have saved by this link http://www.ocbc.com.my/personal-banking/Ca...Privileges.shtm (special thanks to b00n who posted and shared the link in this thread). For those who have the similar problem with AF waiver, please call now to get the waiver, because the link is still valid and they are going to remove the page permenantly soon.

The link is a promotion with special AF waiver conditions which you are entitled to get the waiver with at least 3 transaction at robinsons. But this promotion is actually ended 31 Dec 2008 according to the call centre; but the link is still active, that why I am saved from the AF charges.

Cheers and good luck.

Hi,

Thanks for asking, I have engaged with 12 months easy payment plan. But another 6 months to go. After that, alios to the card...

Cheers.

Juicy =p

Meh Citibank told me I can only get a regular card since I don't meet their min requirement for a gold. Was hoping my high claims (mileage) per month would do the trick, but they told me to use a regular for 6 months then request for upgrade -.-

Oh well

I just got my Maybank Islamic Ikhward Visa card. About 3 weeks ago.
Use 12 times per year and annual fee would be waved.

The good thing is that the interest fee is not compounded..

The cashier should ask if you want to pay via Credit or via Debit. But the cashier must be trained to ask..else it's up to the Cashier to punch whatever he/she likes.

Thank you for your interest in GSC-EON Bank Credit Card.



Yes, the discount is applicable for Twin Seat and it will be available for E-payment Ticketing at later stage.



Should you need further information, please feel free to email or contact me at 03-7806 8926.