HSBC Credit Catrd

[riot]

But seriously, is there any difference between the Reg, GOld, Platinum Cards other than prestige? I hardly ever touch mine- I live in fear of over spending. Besides, my wife gives me $10 allowance per day only.

[untouchables]

i do agree that having cash on u makes u look much confident ..

Let me Quote u an example ...

Near to 10 yrs ago ..  my dad business just bloom.. so he decided to get himself a credit card .. before that he uses cash all the time.. just imagine.. taking out a stack for $50 dollars from the pocket as its too thick to put in the wallet..

then after he got his new credit card.. we went to buy furniture for our new home ..

we bought so much things until it nearly reach the card limit.. wat happen is that .. the shop sales person made us waited for 1 hr ..

We have no choice but to wait as they dun believe that my dad can pay for all those .. they suspect that he could be using a fake card .. so they detain my dad's credit card and his Ic.. while they call the card center.. and the card center call the police to make sure the card wasn't stolen or fake .. 

In the fit of anger, my dad took out a stack of notes.. $500 in total .. throw on the table .. tell them to take it as deposit .. take down all the details on the ic then return the ic.. Instantly .. their expression change .. Sir here and Sir there .. before we leave .. my dad told them .. " when u decide to do my business give me a call .. not only those that dress in shirt and tie can aford all those things we have bought"

it does not work this way leh... ur dad experience is probably due to the dumb sales person, nothing to do with card legitimity, etc.

when u charge to a card, as long as the swipe goes thru, the shop does not care anymore. unless it is an offline swipe but only up to signature matching and/or proof of identity.

why??? too long to explain but if u r keen to know, do ur own read up and research, more satisfying