i have just had a cimb credit card but i dont have a savings account with them


can i open an online banking account so that i can use CIMBclicks?

I would like to ask really, as a fresh graduate earning around 2k a month, would it be advisable to own 2 cc's?

I have got one from CIMB and I was told, by my friends, I should get another one, possibly from a foreign bank like HSBC ,CITI etc....coz sometimes locally issued cc's can give you problems abroad..is that so?


Thank you

I wonder

If I dont pay my outstanding balance in full but I keep paying the minimum monthly payment, do you think it will affect my loans prospect in the future ?

I have checked Affin bank...they only charge 9.99% p.a...wow...


and bank simpanan nasional and bank rakya.t..no compounding interests...another wow...



do you think its worth a go for these less popular banks?

I love CIMB customer service...my call gets picked up in less than 3 rings...

against Maybank and Public Bank...terrible waiting time

if i choose balance transfer for my current outstanding balance on my cc to another bank, will it affect my relation with the current bank? and will it also affect my future cc application?

thanks

my brother in law who works as a credit card sales executive told me if u pay your balance but less than the minimum amount, on time, it wont affect your credit rating...unlike delaying in paying , is it true?

i wish to inquire on something

suppose ive had a cc more than a year,may i apply for another cc without giving them my payslip/epf statement ?

what will they be looking at for this sort of applications?cheers

it will be late payment if the minimum amount is not reached? thus, affecting your credit ratings?


someone told me,as long as you paymonthly, you are allright