If its directly deduct from your acc, i dont think is a credit card. More like a debit card.

Hi, just wondering, does any bank actually send out credit cards to your house even if you din apply it? Receive a credit card from Citibank lately but don think i actually applied it.

This post has been edited by adrianteo: May 24 2009, 01:16 AM

Damn, i think i have to call up and ask. They just send in a credit card which i really think i din apply for it at all.

The credit limit is only 5k and the letter ask me to activate it. Quite curious bout this.

This post has been edited by adrianteo: May 24 2009, 04:06 PM

Hi, does anyone here knows actually how does a bank waive ur cc annual fee?

I heard tat from my dad bout the waiving of annual fee. But it depends on the individuals. So, just wondering if there's anyway or reasons that i can use to waive the cc's annual fee? Like maybe swipping the card a few times in a year?

My dad's OCBC Platinum card is being charged around RM600 if im not mistaken, and i just got a supp from it. So, i'm just thinking is there any way for me to reduce the annual fee.

Just want to know, do we need to activate our credit card when we receive it?

Activate as in maybe swiping it or call the bank to activate it?

I receive my card few days ago and yet to use it. Do i need to activate it? Or it depends on which banks?