juz found out standard chartered platinum only need annual income of rm60k to apply

while gold card is rm18k

wat happened?

wat S&C did is worsening the platinum and gold card status. ( although they had visa infinite which the requirement is almost the same as other bank's platinum )

this make platinum dun look exclusive anymore

SC plat already brought the standard down n UOB one card is juz a classic card with print the platinum word on it ... BN shud haf ban this to avoid confusion n misleading consumers ( although im more concern on the plat status being tarnish )

i'd used a citibank choice card b4 and any transactions is counted EXCEPT CASH ADVANCED

so basically u can pay for anything 2x and u get an auto waiver

but now cancelled oledi n changed to hsbc amanah ...

i'd been approached for standard chartered justone titanium.
it offers very good cash rebate. any1 knows more detail about this card? sc employees perhaps? not much info in their website and brochure ... the booth sales oso like blur blur ...

if not hidden terms and conditions ... sound like a good card to use.

for the rm600 rebate max per annum ... the sales told me its per annum not monthly wor ... he say if i used up all the rebate on the first month ( example on friday , transaction rm12000 x 5% = rm600 rebate ) then i wont get any more rebate until next year.

the account comes together with this card is a current account rite? do we hafta maintain any minimum monthly balance to get these rebates???

nowadays banks making their product more complicated despite telling us they combine all to make it easier for us. the truth is they r hiding a lot of terms n increase their chances to gain from us.

from what i saw here , i think u r not familiar with cc ...

u can cancel whenever u want no matter thr's an outstanding balance or not , juz call the cs ( some banks need u to go to their branch ) , ask for a cancellation ... pay the outstanding minus the annual fee when the statement came ( u can pay earlier by asking the cs amount up to date and then pay immediately ) upon cancellation , do not use the card ( best is dun use a week b4 u wanna cancel so tht the up to date amount is accurate )

with tht u wont b charge any late payment/interest/watever since u cancelled ur card. ( unless they bill u annual fee on feb but now onli u wanna cancel n minus out the fee ) .... thr would b no problem if u call to cancel once u receive the statement with the annual fee charged.

hope this helps

arghhh .... my application for sc justone titanium juz got rejected .... even apply using hsbc premier cc

does premier doesnt qualify to apply other cc??? last time i use this to apply citibank plat but rejected oso

oh btw i asked the cs bout justone titanium :

1) no nid to maintain any min balance in the current account attached
2) the max rebate is rm600 p.a not rm50 pm ( if u used up all the rebate on month 1 , thr will not b anymore rebates for the next 11 months )
3) rebate 5% on friday n 2% on other days , based on transaction date not posting date

seems like sc goin all out to fish more market share , but ow come they reject me

premier is my primary lo ... in fact all my cc are primary ...

i onli use 3 cards in total ... i dun like keeping too many cards ...

1 HSBC premier master
1 HSBC Amanah platinum visa
1 Direct access master + visa ( if not for their petrol rebate 2% , i had cancelled it long time ago )

i tot if can get justone then will cancel DA , with onli a few cards needed its easier for me to maintain and consolidate.

yup i had counted , if u got 5% rebate on petrol + 1.5% on other , u stil lose out to the amount of interest the bank r charging u. Unless u maintain a rm4000 outstanding balance n at the same time ur monthly usage on petrol max n other damn high.

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Added on May 19, 2009, 11:57 amyeah thts wat i planned earlier , gonna use this for petrol and try to buy things onli on friday ( petrol cant tahan til friday la , hafta pump twice a week ) ... after all the 600 rebate used up onli swith back to use hsbc amanah.

actually 15k pa usage i dun worry so much ... travelling oversea already used up a lot. but , unfortunately my application rejected. now hafta stick back to DA. ( which dun haf the 5% on friday )

This post has been edited by santaclaus: May 19 2009, 11:58 AM

i onli got a housing loan and my cc dun haf any o/s balance wor. aih dunno y la ... i think now stay with hsbc first , quite satisfy with their premier branch services at uptown. so far no problem.

aiks ... cl high oso kena ar?

my cl small small onli wor ... not even near tgeoklin's

i applied last 2 weeks together wif my wife ... this morning my wife got a sms said her card was approved but i havent got any ... so in the afternoon i called scb n ask for status n they said unsuccessful

@hye :

the current acc nid to maintain min balance??? how come the cs i called say no nid???

then they use our acc money first b4 cc means it will function as debit then onli cc???

wah ... so different from wat i noe le ... hafta make sure when my wife's card came along...

if thr's oways money stanby then ok la .... but nowadays cc usually used as advance then onli pay when get salary wor ... how to keep so much cash in acc??? aih

i juz received an sms from citibank stating my cc application is approved in principal .

does tht means technically its approved but i wont get my card until they really appoved??

actually i hate citibank misleading saying card will be approved within 24hrs .... these they onli c basic requirement then approve ... after tht if ced reject u stil dun get the cc ... then wats the point of the 24hrs thing????

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Added on May 21, 2009, 11:53 am@lin00b

yep exactly like wat u calculated

This post has been edited by santaclaus: May 21 2009, 11:53 AM

well citibank juz called me regarding my cc application ... its on the way to my office

so now i normally use everything except petrol on my hsbc amanah plat .... so is this citibank plat worth to focus on more?

amanah rebate 0.5% local , 1% overseas

citibank evergreen pts , 2x overseas

focus on which????

the same hsbc premier mc .... now i even wonder y scb reject my application

my wife juz received her scb cc today and its a normal gold card but she apply for justone card.
so she called n asked y it is? the cs said card approval is subject to the bank's discretion. so my wife said if the justone application was rejected then y send her the gold card she dunwan? cs reply "u can appeal n submit your income documents to upgrade to justone". my wife say juz cancel the card.

in the afternoon i received a call from scb as well. the cs said she wanna verify my details for opening a current account which is attached to the justone cc but last 2 days the cs juz said my application was unsuccessful?

how scb is like this? really dun feel like being their customer.

told my wife her cc approved but sent a different cc.
told my application rejected but now say wanna open account.
asked bout the justone cc criteria , none of the cs r sure.

really a messy bank.

i had received my justone current account cheque book.
i had oso received a scb platinum ( which i never applied )
BUT i stil havent got my justone cc

wats wrong wif this scb?

now i hafta cancel either the scb plat or citi plat ( wan to consolidate my cc into 2 major )
any idea which 1 worth keeping?

and any1 noes whether i can combine the cl of my hsbc amanah cc with my hsbc premier cc? if can i wan to combine the limit then cancel the premier ... so no nid keep so many cc around.

just called hsbc and yep cant combine the limit

the weird thing is i cant even cancel the premier card as long as i maintain their premier account somemore the cs keep saying its actually higher level than platinum din notice any special oso except the golf privilege.

actually im thinking citi haf more privileges as in shopping discount , whr scb i seldom saw their promotion. citi oso can enter klia lounge ma ... even if i keep the citi i would onli use when thr is special discount for citi member , other than tht rather use those with rebate. for low transaction , any1 haf experience in waiving its annual fee?

how's the waiver works? do they haf anything like minimum swipes or amount per annum?