okay, i got issue here...

Recently got SCB cards approved... 3 cards actually from the characters ranged. I love the cards so much that i have not even remove the cards from the booklets... So i am wondering if i can apply for the just card... call in maybe ask for second card? will that work?

how long more do i have to wait before asking for the justone card? it does look cute
I just find its a pain to remove the character cards from the booklet... bugs bunny, tasmania and tweety so cute...

Anyway, its combine limit... just that the cards are cute, so i asked for 3 cards, and got approved after that... then i cant use these cards because i bu ren xing to use them. thinking of getting another card justone from them, but for justone card, have to open a current a/c with SCB right?

http://www.standardchartered.com.my/person...rds/justone/en/

the color looks cool

Yeah, i meet the requirement. just that i dunno if i have to open a current a/c as this seems like a debit/credit card with cheque.

not really, i use my hsbc cc only... classic card. airasia going to cut it after 4 months. then only scb (not using)... so only using my hsbc classic

Infinite card? ur income more than 150k per annum? wahseh

it will actually be on the cc slip that you have to sign, showing 12 months installment for notebook or pc.

Buy from proper HP or Dell shop for notebook. as they will NOT charge extra for 12 months installment... You can shop around in lowyat, some shops do NOT charge extra for installment.

ok, you can spend 100k per month (claims on company?) but yet to get 200k pa for salary... wow, what kind of job is that? I also wanna work there hahaha

well, I dont like the idea of spending over a certain amount a yr to attain CC.

except black card...

but those cards that can compare with black card... well, above plat card that is visible as i know of is HSBC premier card. need 200k always on the premier a/c or investment...

there is status, seriously.

having a card is better than not having a card.

having a card doesnt mean have to spend all the credit limit given.

people need to be educated regarding spending using cc. most friends i know of never spend beyond their means...

well, i do get alot of rejected applications for cc while i worked in citibank last time... mostly those late payments or bankrupt people got rejected.

plat is nothing... seriously,

anyone with credit limit above 20k can get plat easily.

but not everyone has 200k sitting in a bank... well, only rich people... and this rich people will be holding HSBC premier card, if they have 200k sitting there...

the amex plat = not laku anymore... black card or better known as centurion card is the card that reflect on the status...

in singapore or us you can have plat card with just 18k salary... same as gold or classic, there is no differentiation in having plat.

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Added on June 10, 2009, 3:36 pmif you working as purchaser in company, some company la, can use your own cc to pay for purchases, but big company will have company cc... or if you work as auditor, flying overseas every month got chance la, 100k is not a lot actually...

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Added on June 10, 2009, 3:39 pmAccording to Journal International, the average age of a Centurion cardholder is 49 years. 94% of primary cardholders are male and they have an average of 3.3 properties. Their average household income is €653,000 and their average total net worth is €4.5million. They have an average disposable monthly income of €8,800. Centurion Magazine has been published since 2001 and has a circulation in Europe and the Middle East of 44,100, in Asia of 13,900 and in Australia of 6,000.[5]

source: http://en.wikipedia.org/wiki/Centurion_Card

This post has been edited by inuyasha88: Jun 10 2009, 03:39 PM

yup, for you it does not mean anything, but different people got different perception,

just like some people even compare about how much credit limit they got with their friends etc.

HSBC Premier benefits = HSBC plat + more, depends on if you are looking for those benefits...

for me i am using classic hsbc, more than enough for me... as i only shop in FOS for clothes... and paying bills...

P/S: i work in cc field before, so i know whats the majority thinks... especially those applying for cc... but for your case, your a rare breed, maybe you work in cc field before, so there is no difference to you, like as for me... but to some or most people, cc = status.

This post has been edited by inuyasha88: Jun 10 2009, 03:46 PM

Yup, the annual fee is the killer for centurion card, and its NOT waive-able. But I heard that once you got the card... all the hotels, restaurants etc will treat you differently but, well... only for the rich

In malaysia the highest credit limit i have seen so far is 500k o.O and so far, only 1 person got that, to my knowledge la

Aeon credit card, bank rakyat has the lowest interest rates i think.

Freebies then go for citibank cc.

points go for HSBC or Hongleong.

Well, you should apply several banks in 1 go. Some will approve some will reject since this is your first application.

My suggestion is, Citibank, HSBC, SC, Maybank.

Citibank and HSBC (if use oversea very easy and recognizable, people wont double look at you)

Maybank is okay to use in malaysia.

hackqym, HSBC wanted to upgrade my card to gold, i said no. what for?

if i seriously looking for card, i will only go for premier hsbc card, as it shows that i have more than 200k sitting in the bank, hahaha.

but i still will keep my classic.
classic, gold and plat = no difference, although i cant get plat... but still no difference for me. having a plat shows u can earn a certain amount, which is higher than gold or classic, but doesnt mean you have that much money...

if you are seriously looking for status... go for those cards with certain conditions attached to it.

if you are depending on cash rebates, points then yes there are differences. if you have like thousands to spend every month, it will make a difference, if you spend less than 1k per month using credit card, then not much difference.
besides, the points are overrated, if you cant afford to pay back on time and incur interest.

also, we are talking about average people spending, not the super rich... and if you are those super rich can spend thousands a month with your credit card without incurring interest for minimum payment etc, then the cash rebates and points = a great deal.

This post has been edited by inuyasha88: Jun 11 2009, 10:23 AM

lieck,

you have to sort out your finance,

1) list down how much you are earning

2) list down your monthly expenses

2) is where is can control, where as 1) is not.

So, if you got 8k debts, try to do BT as a last resort, i dont really believe in BT, maybe because i always pay in time. but in your case, you have to cut down your monthly expenses,

P/S: paying debts in your case is saving for future, if you do not clear as soon as possible, you will have to pay more at the end. and the fastest way is always turn to your parents. make a deal with them, get a loan from them to pay off your cc, and pay them back the money, i dont think your parents will ask you for interest...

worst come to worst, you still have to turn to your parents for help. besides, they might give better scolding to lieck than we advising him how to get it done. seriously, if you cant even handle cc just cancel the card and convert it into loan with the bank, lower interest. no point having cc if you end up in debts. start asking from your parents and get good lecture from them. worth it sometimes...

This post has been edited by inuyasha88: Jun 11 2009, 03:02 PM

family education issue... no comment, ordinary people can think 1 la, this guy is useless. doesnt deserve help.