real man use debit card

BIG NO NO for ctbank, why?? Stay away from banks who don't even bother to protect your privacy!!!!!!!!

check this out, my personal BAD experience with ctbank http://www.mmail.com.my/content/58527-furi...sealed-envelope

thanks for the heads up.

bank islam = no compounded interest

I use debit card. paying credit card interest is not cool.

how to apply?

borrow Rm1k, pay Rm1k no matter how long?

i agree with some people that real men only use cash. credit card is for po kai yau who thinks owing the bank money is cool.....XP

It depends, if carrying thousands of ringgit in your wallet/pouch when you need to buy items/gifts etc is cool and "real man" then that's your choice. It is a matter of convenience for most people to use credit card, the key is to manage your finance well and pay in full or at least more than the minimum by folds monthly. Besides credit card is the most convenient way to do transaction online unless you believe queuing to buy TT/bank draft etc is "real man" too.. That same applies when you are on vacation at resort etc (overseas or local), are you going to pay cash too? i wonder what privilege do you enjoy to be allowed to carry so much cash overseas (someone just pops up in my mind, our ex-Selangor-MB who tak faham english did that in Australia with 2Mil).

This post has been edited by stormrage: Feb 3 2011, 07:44 AM

says a person who cant afford even classic CC

United On Bijan.

I have used many credit cards over the years.

Here is my experiences.

HSBC Gold credit cards: Very good in term of Travelling Overseas. Cheaper Forex exchange. Many good promotions on discounts. Especially Armani Exchange outlet.. 15% discount. hehe

Citibank Credit Cards:

Gold: Very good. with 30 minutes you charge oversea, they will call you.

Platinum: Very good. with 30 minutes you charge oversea, they will call you. Access to Premium Lounge in KLIA, LCCT for free. Extra benefits. Free stay in YTL hotels. especially for PremierMiles (Platinum Class 1 Credit Credit Card)

Standard Chartered Credit Cards: Very limited and not good points and promotion.

CIMB Credit Cards:

** Free for life platinum:

Visa : Transfer Points very good. Many good promotions on discounts.

Petronas Mastercard: 5% on Petronas. 0.5% for others retails.


RHB Platinum:

Very bad. Difficult to terminate. Lots of hassle.


** If you manage your financial properly, CC is the way to go.. Use 20 days free loan. Pay full every month.

Credit cards are good to have if u know how to control them. It's only the RM50 fee that farks things up.

pinjam 1K bayar 1.2K(but besok bayar or tahun depan bayar still 1.2K)


slowpoke.i know

i vote for CItibank Cash Back Platinum
5% on all petrol
2% on telecommunication
and etc

best credit card is other's credit card. other ppl pay but u use one.

Think OCBC titanium and Maybank 2 Amex are superior, although the max cashback is 50 per month.

OCBC has 5% on:
1. petrol
2. groceries
3. dining
4. bills

Maybank 2 Amex has 5% on everything on weekends and 5X points and comes up to around 7.5% total discounts.

OCBC doesn't require you to reach blocks of RM50 before they credit you with the cash back, unlike Citibank. Not sure about Maybank.

Maybank2 without a shadow of doubt.

Buy 1 Setarbuk free 1 setarbuk. Orgasm.

Now new HSBC visa signature card advertised in mid valley, with 5x reward points etc.

Always see UOB and hong leong promotions in F&B places.

those who says use debit instead of credit card. here my Qs.

can debit card used for online payment? ive been using 2 debit cards now, and i dont think it is accepted for online payment - which lead me to looking for a credit card now.