my friend earns lesser than me can gt creditcard but not me?
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IMHO..having a credit card does not make you look cool..
If you dont conntrol ur spending u might go on debt..
BTw...off topic..
from reading the replies of this post..
i seen 2 post with "debit"...
but isnt debit a positive thing..as in money coming in
shld'nt it be credit??
cheers -
card got wat to show off...u may have a ton of cards but no one knows how much $$ u have in the bank..
just throw 1 stack of $50's then that is show off
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whats so good about spending future money? can you control your spending when you got the card?
can you ensure your income will not get affected in the future.
i see alot of sad cases of people using one card to pay off another card and in the end it just snowballed untill it crush them. and all the banks sue them altogether.
i see getting a credit card only as telling people you are earning at least that much of money. show off thats all. but that is the problem with singaporean now. face more important than having enough bread on the table.
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30000k per annum means what?
Is it 30000/12mths =2500 basic salary per mth,
or plus employers CPF make up 30000? -
well so many card for wat.. juz make sure your bank is full of money can liao.. by then all the bank will flock to u for signing their watever plans or card u want..
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30000per annual does not include CPF.... it only for normal credit .. Those gold card need 48000 per annual... Get a secured credit card safer...Originally posted by snobbish:30000k per annum means what?
Is it 30000/12mths =2500 basic salary per mth,
or plus employers CPF make up 30000?
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Standchart and ABN AMRO smaller banks?? They are among the world's largest bank!!Originally posted by red_amoeba:...
Another factor could be, you did not fill in the form accurately or fail to provide certain information. I was rejected twice by certain local bank until i fed up & not apply. Alternatively, try to apply those smaller banks (more desperate) like Maybank / Stanchart / ABN
....
If I remembered correctly they're in the world top 50 banks overall. Top 10 is HSBC, citibank, barclave's and deutche. Local banks (OCBC, DBS/POSB and UOB) didn't make it into top 100. -
Eh...classic card is 30K per annual not including employer's CPF contribution.Originally posted by soulwinner:30000per annual does not include CPF.... it only for normal credit .. Those gold card need 48000 per annual... Get a secured credit card safer...
Gold is 48K.
titianium is $50K
platium is 80K
For classic and gold, the income requirement is fixed. But for the others, it varies with different banks.
However, I have 4 Platinum cards, 4 gold cards, 1 titianium card, 1 black card and 2 ATM cards in my possesion. I also 5 credit lines. Impressed?
Dun be.
Nowadays its no longer that presitgious. Bank want to gather market share, doesn't matter if customers are not spending. As long as you meet the min 30K annual income, and have good record, they'll upgrade you to gold/plat/etc etc.
Lookout only for cards that have additional embossment of PREMIER/Privilage or Private. Those are the wealthy folks. One will need min $200K in that bank to qualify for PREMIER/privilage. For private, its 1 mil. Imagine someone with premier cards from 5 different banks. Dun even get me started on private.[/b] -
if bank acct no $$$, can we still swipe the debit card? Or we own $$$ 1st?
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for debit card, you only spend what you have in the bank.Originally posted by gnoik:if bank acct no $$$, can we still swipe the debit card? Or we own $$$ 1st?
for credit card, you spend what you might be able to pay in the future.
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Originally posted by airgrinder:
I have only one from credit card from a bank in new york... You must be rich or making tonnes of money??
Eh...classic card is 30K per annual not including [b]employer's CPF contribution.
Gold is 48K.
titianium is $50K
platium is 80K
For classic and gold, the income requirement is fixed. But for the others, it varies with different banks.
However, I have 4 Platinum cards, 4 gold cards, 1 titianium card, 1 black card and 2 ATM cards in my possesion. I also 5 credit lines. Impressed?
Dun be.
Nowadays its no longer that presitgious. Bank want to gather market share, doesn't matter if customers are not spending. As long as you meet the min 30K annual income, and have good record, they'll upgrade you to gold/plat/etc etc.
Lookout only for cards that have additional embossment of PREMIER/Privilage or Private. Those are the wealthy folks. One will need min $200K in that bank to qualify for PREMIER/privilage. For private, its 1 mil. Imagine someone with premier cards from 5 different banks. Dun even get me started on private.[/b][/b] -
must be money then can use debit card.. unless u have overdraft facility but the interest is worst than credit card....Originally posted by gnoik:if bank acct no $$$, can we still swipe the debit card? Or we own $$$ 1st? -
why not try citibank ?? They can approve your card in one day....
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cash is king
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I agreed 100% with you...Originally posted by GHoST_18:cash is king -
actually, it's not to show off...those wallets whereby you slot from the side, you're bound to see the logo, unless they slot it upside down...for those that's slot from the top, i will slot it upside down, whereby the logo can be seen, not because i wan to show off, but it's because the magnetic strip tends to break easily...i've got my cards replaced twice before i finally decided to slot them upside down...i do the same with my atm cards also...Originally posted by valentinoo:u got see gal wallet b4? they always arrange their cards such that ppl can see mastercard, visa logo.. show off -
u all ah.. went out of point liao..
im tokin abt serious subject..
really thot i want a credit card to show off ?
its not the case loh..
at pt of time, when i need to sign bill... its when i need to foot medical bill for my dad for outpatient clinic... -
Your Friend earn 2.1K , what about his bonus ? 30K include bonus
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nope.. he just started work in my co for 7mths
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abn amro very ma fan leh.. no online form all must print out and mail..
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no point in getting creditcard anyway.. cash better!
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Lol... I see convenience in credit card only if you are going overseas.
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no pple from banking sector can adv me huh? wait for so long liao... knn
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Your monthly salary is not important.
Your yearly income must be $30,000+ (Salary + bonus + allowances) Employers CPF contribution not counted.
Once you hit that magic number, make photocopies of your income tax statement and apply for basic visa/mastercard credit cards. Not to the banks. But to any organization that is linked to the banks. eg NTUC/OCBC etc, these are easiest to approve.
POSB credit cards are also easy, Citibank the toughest. -
not really, when i first sent out applications, i sent to UOB, citibank, maybank...i got both citibank and maybank, but not UOB...dunno why...Originally posted by mancha:Your monthly salary is not important.
Your yearly income must be $30,000+ (Salary + bonus + allowances) Employers CPF contribution not counted.
Once you hit that magic number, make photocopies of your income tax statement and apply for basic visa/mastercard credit cards. Not to the banks. But to any organization that is linked to the banks. eg NTUC/OCBC etc, these are easiest to approve.
POSB credit cards are also easy, Citibank the toughest.