Monday, April 26, 2010

Credit card in our generation

How hard(or easy) is it to get a credit card these days?

I was intending to get a credit card eversince i became eligible.. which is to say becoming a PR. Especially i am going to be on holiday soon, it will be more convenient to have one i guess.. right?

So.. knowing where the promoters will be, i deliberately walk past it and let them approach (so it will look more like they are selling and i reluctantly say, okay, okay..u have been trying to sell so hard, i will just give it a try then.. ), and the whole process took less than 30 minutes and 3 cards will be ready for collection by tomorrow evening. That was how easy it is.. and u dun even need company letter watsoever, just the payslip (only 1 month will do.. can u imagiine how desperate they are?) and some IDs and u can opt up to 10 cards if u wish..

I remember when i was young and dad had a credit card, i was like really impressed cause although he didn't reach the min salary requirement but somehow working for the government there r exception given.. and it was really rare back then.. like only for the rich ppl, as u see in movies, u get to be smug and show-offy with girls' eyes glowing over ur cards.. But now.. it is really really 'cheap' to own it.. looking at how easily it is processed and approved..

The only thing i am curious to see tmr is the credit limit i get.. which cud be a bit of surprise.. hehe..

btw, guess which bank is so desperate?

4 comments:

  1. Welcome to the World of Plastic. UOB?

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  2. Yayy! Have fun swiping! The trick is to make sure you pay all its bills in full and not let the interests rollover. Standard Chartered?

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  3. haha.. so UOB is the desperate bank in Malaysia and Stan Chart is the despo in Australia huh ;p

    nope.. neither is it.. but i do intend to try my luck with UOB Amex..

    evann thanks for the tips.. i am quite carefull with my spending.. so shud be fine i guess =)

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  4. I know which bank is this ... Citi.

    Nowadays you don't need to be PR to get a card le, the foreigner's salary requirement not that much higher than PR.

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