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229 replies to this topic | 742 praises

#1

Posted 16 November 2009 - 08:56 PM

City100a
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is it true that if you have a infinite card is better than a platinum card and is better than a titanum card and is better than a gold card and is better than an ordinary card

better
? better protection on your purchase
? better benefits eg perks eg priority pass
? better points accumulation (faster)
eg

is this true

and how they decide who gets what
seems like there is no definite rules

had dinner with a real "big" time fellow from a huge MNC and believe me he is no small fry, he carries a gold card
but some office girl in my company carries a platinum or titanum card

abit confuse
anybody in this line can share with us
thanks

#2

Posted 16 November 2009 - 09:07 PM

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haa... wrong section isn't? Why post credit card issue in a car detailing forum?

#3

Posted 17 November 2009 - 04:41 PM

SGCMwind79
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Credit Card "looks" nice?
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#4

Posted 17 November 2009 - 05:05 PM

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stacks of $$ is better than any cards

#5

Posted 17 November 2009 - 05:09 PM

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Why bother? Just cards for convenience. POSB Everyday card already Platinum liao. They can call it Diamond card, Ruby Card, Silicon Card, Marble Card and so and so, it's still a plastic card. Still must pay up fully when charged, otherwise, face the full consequences!

Benefits = Convenience.

Edited by Kangadrool, 17 November 2009 - 05:10 PM.

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#6

Posted 17 November 2009 - 05:12 PM

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No difference, your credit limit still more or less pegged to your salary rather than what kind of card. I've been invited to many exclusive cards where they start to ask for ridiculous annual fee after the 1st year, no need for them. Some of them do offer some term club membership or concierge service, which might be nice if you like to use them but otherwise useless. Some offer more miles, or more points. Then again, only if you need and use them.


#7

Posted 17 November 2009 - 05:13 PM

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the environment has changed, credit cards are everywhere and so common unlike the early days.

using credit cards give u discounts and offers....using cash can be stupid since u pay the same as credit card holders w/o the discount.

imagine going to pump petrol paying cash...how the hell u gonna get the additional discount credit cards can offer u!

Edited by Babyt, 17 November 2009 - 05:15 PM.

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#8

Posted 17 November 2009 - 05:38 PM

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1 card is essentially enough....too many cards make the wallet bulky.
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#9

Posted 17 November 2009 - 06:07 PM

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1 card is essentially enough....too many cards make the wallet bulky.


as you won't know which shop or restaurant is having a promotion discount with whichever bank, i usually bring out 1 card from each major bank.

#10

Posted 17 November 2009 - 06:08 PM

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whether infinite card or AX Platinum card, it is just a card. No one will cares what card u are holding.
the main thing for cards members is to look for the benefit of the card.

#11

Posted 17 November 2009 - 07:24 PM

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No difference, your credit limit still more or less pegged to your salary rather than what kind of card. I've been invited to many exclusive cards where they start to ask for ridiculous annual fee after the 1st year, no need for them. Some of them do offer some term club membership or concierge service, which might be nice if you like to use them but otherwise useless. Some offer more miles, or more points. Then again, only if you need and use them.


Very well said. One of my friend got a 20k limit but he owned a silver basic card. He do not want to pay a higher annual fee with maybe a little bit more credit limit, As wat Acieed had mentioned you hv to pay a high annual fee for those exclusive cards. Unless you like to flash to show others you had a premium card better than them. mellow.gif


#12

Posted 17 November 2009 - 07:43 PM

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Very well said. One of my friend got a 20k limit but he owned a silver basic card. He do not want to pay a higher annual fee with maybe a little bit more credit limit, As wat Acieed had mentioned you hv to pay a high annual fee for those exclusive cards. Unless you like to flash to show others you had a premium card better than them. mellow.gif



LEt's put it this way, if they were to ask me to pay annual fees surmounting to thousands, I just cut the card and return to sender lor....all these years, there has never been a need to pay subscription and I carry Infinite and Ultima hor....perks a lot, and freebies during birthday and all can amount to abt 1k. So pretty worth it thumbsup.gif

But i must declare, I only sweeper gossip.gif

RESPECT is only for the DEAD!

#13

Posted 17 November 2009 - 08:09 PM

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had dinner with a real "big" time fellow from a huge MNC and believe me he is no small fry, he carries a gold card
but some office girl in my company carries a platinum or titanum card

abit confuse
anybody in this line can share with us
thanks


When u are a real big time guy you don't need to wear expensive clothes or carry high end credit cards and people will still know u are rich.

But a small fry will need all those to LOOK high class. LOOK only hor.

Of cos, i'm not saying all high end credit cards holders are pretenders.

Edited by Ultramega, 17 November 2009 - 08:19 PM.


#14

Posted 17 November 2009 - 08:11 PM

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had dinner with a real "big" time fellow from a huge MNC and believe me he is no small fry, he carries a gold card
but some office girl in my company carries a platinum or titanum card

abit confuse
anybody in this line can share with us
thanks


When u are a real big time guy you don't need to wear expensive clothes or carry high end credit cards and people will still know u are rich.

But a small fry will need all those to LOOK high class. LOOK only hor.

Of cos, i'm not saying all high end credit cards holders are pretenders.




yup correct....I have also seen those who just have cards and want to show their worth..sigh....such is our society nowadays...where they feel they have made it once they have the 5Cs shakehead.gif

RESPECT is only for the DEAD!

#15

Posted 17 November 2009 - 08:35 PM

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is it true that if you have a infinite card is better than a platinum card and is better than a titanum card and is better than a gold card and is better than an ordinary card

better
? better protection on your purchase
? better benefits eg perks eg priority pass
? better points accumulation (faster)
eg

is this true

and how they decide who gets what
seems like there is no definite rules

had dinner with a real "big" time fellow from a huge MNC and believe me he is no small fry, he carries a gold card
but some office girl in my company carries a platinum or titanum card

abit confuse
anybody in this line can share with us
thanks


no difference la bro...jus choose the one that most useful to u...eg. POSB if u shop alot at carrefour & pump at SPC... thumbsup.gif
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Paul Scholes. He scores goals.

#16

Posted 17 November 2009 - 09:57 PM

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LEt's put it this way, if they were to ask me to pay annual fees surmounting to thousands, I just cut the card and return to sender lor....all these years, there has never been a need to pay subscription and I carry Infinite and Ultima hor....perks a lot, and freebies during birthday and all can amount to abt 1k. So pretty worth it thumbsup.gif

But i must declare, I only sweeper gossip.gif


Ya I trust u.

share share leh.. PM oso can... laugh.gif

other sweeper sweep fallen leaves... u sweep fallen money... lipsrsealed.gif
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#17

Posted 17 November 2009 - 11:42 PM

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yup correct....I have also seen those who just have cards and want to show their worth..sigh....such is our society nowadays...where they feel they have made it once they have the 5Cs shakehead.gif


Instead I feel that use debit card will show off how cash rich the person is....

#18

Posted 18 November 2009 - 12:15 AM

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anyone know of any credit card that offers access to airlines' lounges at the airport?

#19

Posted 18 November 2009 - 07:13 AM

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Nowadays banks gives out Platinum card like nobody's business.
What so big deal about it.

#20

Posted 18 November 2009 - 08:23 AM

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yah i also feel the plastic (no matter what they call it) is cheap these days. So much competition....supposed high end cards also not very discerning....so go for the card that will give you the most "perks".

I personally cannot be bothered to even apply for anymore...I got 2 and thats good enugg. Too much credit exposes you to certain risks.

Also I agree with RadX....annual fees? Take back your card! They sure kwai kwai ...the banks/credit card companies need you more than you need them! I don't even pay the late charges or interest payments should I forget to pay on time! But of course that happens like maybe once every other year only.
“If you don't know where you are going, any road will get you there.”


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