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 Credit Card Thread V6

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Reventon
post Mar 7 2009, 11:51 PM

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classic card can go up to 300k CL provided you are qualified for it. My friend classic card has 60k limit. Bank offer upgrade , but he want to retain the classic so only his CL is increasing thru the years.
Reventon
post Mar 9 2009, 05:00 AM

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QUOTE(WoodStock @ Mar 8 2009, 11:21 PM)
i just got my maybank AMEX charge card friday... i applied thought agent (in shopping complex last year)

i want a gold AMEX, but what i received is an ugly classic green AMEX.. sien.. my AMEX is under maybank.
1) could i call maybank and complain, ask them to give me gold card..??
((i was using maybank gold credit card >1year, althought my annual income actually <48k))

2) also, the AMEX card is not shown in my maybank2u.com.my..
why??
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You may try to request for the Gold Charge Card from Maybank but decision will be on them tongue.gif.
Amex CHARGE CARD account will not shown on your Maybank2u list because it was separated from credit card. Maybank2u will only show your banking and CREDIT CARD account, CHARGE CARD you will have to register it at www.americanexpress.com.my. You may directly register it online. wink.gif
Reventon
post Mar 12 2009, 07:15 PM

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QUOTE(RockIron @ Mar 12 2009, 06:04 PM)
I m not a fresh user of cc. All the cc I hold has at least few years of vintage.
I never owe any financial institute a single cent,always paid in full for all my cc usage before due although my usage are heavy.
Also,I do submit my income proof and income tax receipt to them, at least few times above their annual income requirement.
Just can't accept their so call internal policy. mad.gif
Never mind, the worst I open FD account at the bank and apply for cc secured by FD.
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just go on further to collect the cimb world master , mbf world master , SCB visa infinite and RHB visa infinite lorr... the range is not so wide now as not so much bank offer it at current icon_idea.gif
Reventon
post Mar 15 2009, 11:07 PM

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QUOTE(hye @ Mar 15 2009, 07:27 PM)
Came back from MATTA fair today with an information. In case, anyone wanting to apply for the Worldcard from CIMB/DA using their existing cc, you will need as preexisting credit limit

- 100K for CIMB WorldCard (I think RockIron Reventon mentioned this before)
- 80K for DirectAccess WorldCard
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it's 100k Minimum CL for your existing card to apply the Cimb world Master. As bro RockIron said, consolidate your every spending into Cimb plat card will make your way faster to be invited.
By the way i happen to found out that CIMB Plaza Damansara still having 1 hour world card Approval. Anyone interested can straight away go to that branch and get the card on the spot. Ain't sure the free luggage still on or not.











Reventon
post Mar 15 2009, 11:36 PM

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i think 40k is sufficient for Scb visa infinite. The income requirement is 150k, it's same with Hsbc plat visa.
Reventon
post Mar 16 2009, 02:33 PM

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QUOTE(hye @ Mar 16 2009, 07:23 AM)
It is actually RM60k to try for VISA infinite. I know coz my own limit exceed 40K and it is still not enough to go for SCB VISA infinite.
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if their minimum CL is 60k, then the requirement of 150k income will be quite low for it. Hsbc only offer half of the CL with the same eligibility. Last couple of month i did called Scb CS to obtain the visa infinite's info, but they seems clueless about it. The answer given similar to what i've get from some of the local bank's staff,it's never accurate , always perhaps and maybe. and i've backed off since. doh.gif











Reventon
post Mar 16 2009, 10:57 PM

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QUOTE(JamesPond @ Mar 16 2009, 10:25 PM)
how to get a platinum card?
I got 18k CL. But only classic/gold.
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i know some bank give ridiculously low limit plat. With 18k CL i think you can try Scb , uob , eon , or mbf. This is confirmed info as few of my friend get 15k limit on their plat. 20k CL you can try Citibank , Mbb , Cimb , Hong Leong , Pbb or Rhb. For 30k you can get Hsbc.
Hope this helps. Source is from real life experience from few of my friend. But it's really low limit and inconvenience if using it overseas.






Reventon
post Mar 16 2009, 11:32 PM

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QUOTE(JamesPond @ Mar 16 2009, 11:03 PM)
How you guys can get a card with 50k CL?
You all are business man?
As I know the bank would always giving CL based on their income.
The calculation would be something like:-
50/3 = 17k mo
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Mostly bank determine CL by your income , but CL will increase gradually by time with your credit scoring, which capture thru your spending and payment pattern. If your usage is heavy enough and payment at least 50% above for total outstanding, they would glad to increase your CL often or by your request.
Some good way is consolidate your spending on one cc. Prompt card application is another way to increase your CL, often bank will give higher CL than your existing card. But the best is to prove your income increment to bank when request for a CL increase.
Here got a few sifu may have better way , just my 2 cents. smile.gif





Reventon
post Mar 17 2009, 03:26 AM

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QUOTE(MilesAndMore @ Mar 17 2009, 01:50 AM)
So you think that if you have RM50k worth of FD with the respective bank they will approve you a Platinum credit card with RM50k of CL ? That's a definite no-no. The minimum requirement to become HSBC Premier customer is to have RM200k of deposit with them and they will approve you a "Premier Mastercard" with only RM40k of CL. Say that you have RM1 Million of FD with HSBC, yes, of course you can request to them to increase you CL. Just don't expect to get 1:1.
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I remember one of the forummer mention before about the 1:1 FD tied Credit Card CL, not really sure about that because none of my card are FD tied. Anyone here can confirm this myth ?
Reventon
post Mar 18 2009, 11:11 AM

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just receive courier from Amex today , guess what ? Received an ipod nano 8gb. Letter inside written i've won on the month of november!!
Suprised as i checked back , my first 3k transaction was dated on 2nd of Nov, rarely win from those cc contest before. Lol. Hope the X6 will be the next one!

This post has been edited by Reventon: Mar 18 2009, 11:13 AM
Reventon
post Mar 18 2009, 12:45 PM

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tinky,
no worry, i'll drive you around the town when i collect the car at Sapura ! tongue.gif
start to love this card dy. Hahahaha
Reventon
post Mar 18 2009, 04:40 PM

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QUOTE(tinkerbel @ Mar 18 2009, 03:09 PM)
@boonsin23,
Er.. that iPod shuffle is the old one; the new one's much more compact!  Saw it the other day when I went into Machines to make my iPod redemption smile.gif

Also, better to have won than not, right? wink.gif
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hmmm... I guess Amex send the redemption letter to you again for that ipod nano, they straight away send me the ipod together with the letter. wonder they practice different method in kl and selangor.
But for sure they will not courier the Beemer X6 to my house, lol



Reventon
post Mar 18 2009, 04:54 PM

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tinky,
you get the point there, my ipod colour is orange brownish, no choice la.
I live in PJ. You live Sg Buloh BRP?
Reventon
post Mar 18 2009, 05:06 PM

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in this hard time i bet bank would prefer getting back the money rather than suing you. But that's hell lotsa interest snowballed in three years.
Reventon
post Mar 20 2009, 12:20 AM

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QUOTE(TeraPox @ Mar 19 2009, 11:47 PM)
elo everyone.. anyone still remember me????

need to update something...

I claimed my  Longines Watch from Amex Plat Last month... biggrin.gif

user posted image
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hey bro , damn long time never saw you here biggrin.gif , i've gotten my early last month. The box and packaging is acceptable but the watch is a bit disapponted lah , you know what i mean sweat.gif
Reventon
post Mar 20 2009, 12:42 AM

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If you saw the watch physically , you'll even more disappointed. Dont mention about the Quartz movement, the outer design is just too plain.. haha, for me i wouldn't buy it for 2k tongue.gif
Reventon
post Mar 20 2009, 12:59 AM

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Terapox ,

so how is your CC collection now? We have one RockIron also collecting plat card series here. Few post back you can see his CC listing lor..
Reventon
post Mar 20 2009, 01:16 AM

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QUOTE(TeraPox @ Mar 20 2009, 01:12 AM)
ahahahaha..not collecting anymore... wallet can't fit already...

infact, am going to cancel my AMEX Plat soon..since i got wat i want oledi...

dunwant to pay 800 anymore...
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I just received the Ipod nano from AMEX recent contest. Consider to cancel the card also but will wait and see whether the 2nd year can waive the annual fee or not

Reventon
post Mar 23 2009, 12:48 PM

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QUOTE(Putraskyline @ Mar 23 2009, 12:21 PM)
I have question :

My cc limit was 10k. If I wanna use extra than that, any possible way? What happen if I pay extra 5k, then I can use 15k when I go vacation? I don't want to bring cash with me on my vacation.
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i think you can call up your CC issuer and ask them to give you a temporary limit increase. Just tell them you are going overseas, give them the date of departure and limit required. No need to top up your account as most bank do provide this service by phone call only.

Reventon
post Mar 23 2009, 02:10 PM

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tinkerbel,
maybe bank was a little more concern about the reason on requesting for the temporary limit increase. I've tried Mbb, Hsbc and Cimb before as at that time my CL is rather low . They just asked me where i am going and how much do i required and approved within the same day.

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