Credit card for students..

[menghua84]

is there any credit card meant for students? i know this may sound crazy... but just wana try my luck here... anyone know ar? or any lubang can get me a credit card ar? :lol: :lol:

 

[Seraph]

credit card? no.
credit card sub from your daddy? yes.
debit card? yes.

 

[sakuraguy]

i can recommend "namecard" u wan?

 

[SiGNAL]

How can you ask bank to offer credit card service to someone who has no income... almost like throw money into sea :P

 

[simplythebest]

Can, posibble!

United Overseas Bank, by having this card .. you can get special discount rates like 10% in Empo club. :lol: , got somemore alot lare. :P

 

[prodigy]

credit card for student, definitely NO. credit card for graduate student who just got a job for 3 months, YES.

 

[jinkl-]

y dont u get visa elektron
it deducts the cash from ur bank acc but works like cc
i heard banks were coming up with a disposable cc .. hope they make it happen :D
u want to buy things online ka ? kekekeke

 

[menghua84]

yalor.. wana buy things online.. but can't find any CC for me.. need to spend some future money 1st.. haha.. but i dun think there's any choices around la..

united oversea bank? is it a CC? student can apply?

 

[Cypress]

u can also ask ur daddy or mommy to sub for ya!!!parents can sub a gold card for ya too!!! ;)

 

[simplythebest]

Originally posted by prodigy@Mar 9 2005, 20:16
credit card for student, definitely NO. credit card for graduate student who just got a job for 3 months, YES.

I know a guy whom applied one and show it to me, he's not graduated yet. Serious, no joke or talk cocking. Its United Overseas Bank. :rolleyes:

 

[simplythebest]

Originally posted by menghua84@Mar 9 2005, 20:30
yalor.. wana buy things online.. but can't find any CC for me.. need to spend some future money 1st.. haha.. but i dun think there's any choices around la..

united oversea bank? is it a CC? student can apply?

You can go UOB, provided their terms and conditions no changes. My friend did his to enjoy the discount privillege at clubs and shoppings. He told me, he only brought RM 50 to get the credit card. That was 2 years back. <_<

 

[menghua84]

how did he mange to apply tat card? he had any pay slip? but as u say it was 2 years back.. duno now stil can or not... if u stil got contact wit him plz ask him about it k.. thanks!

 

[gti88]

sub from parents only la .. :lol: :D

 

[boggysv]

Originally posted by Cypress@Mar 9 2005, 22:51
u can also ask ur daddy or mommy to sub for ya!!!parents can sub a gold card for ya too!!! ;)

platinum card also no problem ;)

 

[simplythebest]

Originally posted by menghua84@Mar 10 2005, 00:06
how did he mange to apply tat card? he had any pay slip? but as u say it was 2 years back.. duno now stil can or not... if u stil got contact wit him plz ask him about it k.. thanks!

No slip lare, that is why it is written Student credit card. :lol: .. Don't know about that fella now, tarak keep in touch with him. :lol:

You try go to UOB. B)

 

[Itab]

supplementary card from your parents lo
supp card also waived annual fee for a number of yrs mah depending on which bank la


or maybe u can try your luck with a fix deposit pledge

 

[satria_95]

menghua84,
From my own experience and just sharing a personal opinion, you should not even get a credit card even when you are already working. The way I see credit card is like having a seriously close temptation in your wallet. Once you start using it, it may and will be hard to stop using it. From there, your debts may and will slowly increase and then you'll feel the financial tightness of paying those debts. My personal advice to you is to spend within your own limits. If you can't afford something, plan carefully and save up cash and buy the item with cash. I have heard many, seriously MANY people say that they will be able to control and plan their spending. After a few months, or about 1 year, they'll say, "sigh... lots of credit card debts to pay. No money."
Now, of course, I have also met a few, just a few, who has had credit cards for a while now but still have no debts with the credit cards. However much they use the credit card, they will pay the ENTIRE amount at the end of the month or the beginning of the following month.
Wish you the best wisdom in planning and making your decision. :)

 

[boggysv]

just like my dad, he only pays using credit card when he doesnt have enough cash.

He believes that credit cars are for emergency purposes, not as a alternative for cold hard cash.

last time, we bought a iBook with cash :lol:

 

[menghua84]

satria95.. i get wat u mean.. my father also kena once with all those debts.. luckily ntg happen to him.. i just wan to get a CC for online usage.. much faster.. but then who knows wat will happen rite? mayb i can't help myself from buyin things n end up paying debts every month also.. :lol: :lol:

so there's no way for a student to get a CC rite?

 

[satria_95]

Originally posted by menghua84@Mar 10 2005, 16:25
satria95.. i get wat u mean.. my father also kena once with all those debts.. luckily ntg happen to him.. i just wan to get a CC for online usage.. much faster.. but then who knows wat will happen rite? mayb i can't help myself from buyin things n end up paying debts every month also.. :lol: :lol:

so there's no way for a student to get a CC rite?

I doubt so that a student will have success in obtaining a credit card, at least from my understanding. I figured that the minimum they need is 3 months of pay slip to prove that you're working and receiving some form of salary.
As for online payment, it's really risky. Some stories that I've heard about fraud cases is that the bank takes God-only-knows-how-long to reverse the charges back to the customers. Even I myself had it once. I went to a website and I did not click on the "submit payment" but it was submitted somehow. When I called the bank 2 days later, the bank said they can't do anything as the charges has been paid out. Personally, I don't think you would want to go through the kind of hassle and time to report a fraud or dispute case mainly because it'll be troublesome and a real waste of precious time.
Just sharing my opinion. :)