::don't cha wish your gf was hot like me CrapBox::

• ChoCoChips

  27 May 08, 01:55

  no salary but bank got $$ can apply cc anot?

• FireIce

  27 May 08, 01:58

  by back door can.

• Pin Head

  27 May 08, 01:59

  Loong NighT~~!

• ChoCoChips

  27 May 08, 02:00

  Originally posted by FireIce:

  by back door can.

  
  simi ish backdoor.

  or rather, how?

  haha

   

• FireIce

  27 May 08, 02:10

  u have any investment plans or FDs with the bank?

• ChoCoChips

  27 May 08, 02:14

  brrrr. today quite cold..

   

  have. but dun wan to get from dbs.

  so is use the fd as collateral issit.

  i think i tmr after exam go bank see see.

   

• ChoCoChips

  27 May 08, 02:15

  then hor, if say, i got a dbs acct la,

  i can oni get cc from dbs ah?

  or can get from elsewhere?

• FireIce

  27 May 08, 02:20

  Originally posted by ChoCoChips:

  then hor, if say, i got a dbs acct la,

  i can oni get cc from dbs ah?

  or can get from elsewhere?

  
  yah lah
  arbo u think other ppl so nice give u their bank cc when u have no money with them?
  
  
  but if u meet salary requirement, u can get any bank's cc w/o having acct with them
  

• ChoCoChips

  27 May 08, 02:23

  den monthly payment is other banks deduct frm ur bank acct?

  

  �愧是xiao fi.

  know alot of things sia.

  �疼你�行

• FireIce

  27 May 08, 02:28

  payment is not like tt deduct one leh (not like giro)
  U have to send cheque or pay online or go to SAM/AXS machines to pay or go bank to pay
  HSBC one can go 7-11 to pay

• FireIce

  27 May 08, 02:29

  i think this one is lau ren's 心声
  
  

• ChoCoChips

  27 May 08, 02:31

  Originally posted by FireIce:

  payment is not like tt deduct one leh (not like giro)
  U have to send cheque or pay online or go to SAM/AXS machines to pay or go bank to pay
  HSBC one can go 7-11 to pay

  
  huh. if in the end is u muz take $$ from ur bank acct, why not juz deduct?

  hmmm.

  here hor, i yesterday got read abit, is can direct debit leh.

• ChoCoChips

  27 May 08, 02:33

  Originally posted by FireIce:

  i think this one is lau ren's 心声
  
  

  
  eh i beli curious leh.

  online he ish oni interested in guys, real life leh?

  oso liddat?

• FireIce

  27 May 08, 02:37

  direct deduct is debit card worrrrrrrr
  debit card no need income loh
  just need to have a bank acct with the bank...
  the debit card can swipe and sign.... some oso can use for online purchases.....
  money will be deducted at POP (point of purchase), like nets....
  
  it's call a credit card bcos u can pay later or when u happy.... and decide u wanna pay full or pay the minimum or no want to pay.... or have credit transfer......
  so they cannot auto deduct like giro......
  but u can link the card to your bank acct (if same bank).... so can pay directly via internet banking.... me last time pay UOB one directly like tt....

• ChoCoChips

  27 May 08, 02:40

  了解

  so best is get from same bank lo? so no nid 烦 abt payment methods, can jus deduct at e end of mth

  den fifi女神,the  apr, if u pay ur bill in full every mth, den no nid scare right?

  and got some card, the interest is start calcuting from the day u make purchase one hor?

   

• ChoCoChips

  27 May 08, 02:44

  tonight no eat dinner liao.

  revise and sgf!

  shall kao my timeouts and banana and cheese.

  and chocs.

• FireIce

  27 May 08, 02:48

  Originally posted by ChoCoChips:

  了解

  so best is get from same bank lo? so no nid 烦 abt payment methods, can jus deduct at e end of mth

  den fifi女神,the  apr, if u pay ur bill in full every mth, den no nid scare right?

  and got some card, the interest is start calcuting from the day u make purchase one hor?

   

  
  for u ah, u no have job rite?
  so is have to get from the same bank lah
  but using FD as collateral i dunno isit confirm can approve
  but is one of the ways lah
  
  
  pay in full every mth is the best
  dun ever put urself in debt
  
  
  interest will be imposed if u fail to pay by the deadline (usually 1 mth from bill)
  or pay less than the min. amount
  
  the one charge interest from the day u make purchase is known as 大耳窿 card

• ChoCoChips

  27 May 08, 02:55
• 0% interest on balance transfers for 14 months (3% fee). Minimum spend of £100 in the first 3 months applies*.
  Please note - monthly payments reduce balance transfers first so you pay interest on purchases at the standard rate until balance transfers are paid off.
• typical 15.9% APR  variable,
• up to 56 days’ interest-free period for purchases

• 0% on purchases for 3 months

•  

• 0% interest on purchases for 6 months,
• 4.9% p.a. interest for 12 months on balance transfers (3% fee). Minimum spend of £100 in the first 3 months applies*.
  Please note - monthly payments reduce balance transfers first so after 6 months you pay interest on purchases at the standard rate until balance transfers are paid off,
• typical 11.9% APR variable, interest charged from the date of the transaction.

 

 

nw gotch 2 card i thinking la.

then the first one is better right?

since the 2nd one is big ear dragon card.

and hor gd leh.

no annual fees one.

oh btw, if apply liao no use, how?