Currently I am holding a Singapore bank credit card which is the Citibank Premier Miles Platinum to be exact. With my income, I found that SG banks kinda gave a higher credit limit compared to local banks here. Now thinking of wanna cancel a few local cards and get more SG cards that we dont have it here.

u loss bcoz whn u shop at malaysia then it convert to SGD.
the conversion rate is high.

In Malaysia, I hate to hear cashier counter staff say this, "sorry, we don't accept cc for spending less than RM50".

Unfortunately, SCB has suspended issuing this card until further notice. It is the BEST ever cash rebate card I have seen thus far. It gives you 5% cash back for ALL retail transactions (including petrol) done on Fridays and 2% rebate on non-Fridays. On top of that, every RM1 spending gives you 0.5 reward points.

greeting guyz..

i would like to know,

can CC debt convert to loan scheme??

coz i of my fren now hutang around  6k, every month he paid rm3xx (minimum payment i think)

so got this option or not?
if yes, can guide me?

thanks,

Yes you could do that. There are a couple of ways to do it. First you could apply for personal loan & settle your CC debt. Second way you could do balance transfer to other CC . Remember paying minimum amount per month, will take you long long time to settle yur debt.

First thing for balance transfer, you need to have another credit card from another bank with sufficent credit limit. The CL which I'm talking about need to be larger than the debt that you want to transfer out.

Normally all banks offer balance transfer but you need to shop around to check which is the lowest interest and offer repayment period that is suitable to you. Again ... check out if there are promos for balance transfer @ the point of new card application or ongoing ones.

You can inquire this @ via the bank CS before you go out and apply the card. Likely you need to fill up an extra form in addition to the cc application. Please bear in mind that balance transfer is not automatically approved - new cc need to be issued first before the bank will check you out whether you are OK for the balance transfer.

One more tip ... the card you use for balance transfer do not ever use it for your retail purchase and please pay according to the monthly amount required by the bank. Please don't take it lightly and use the card fir retail purchase or just pay minimum amount again. (Coz that's what got your friend into huge debt in the first place)

wanna ask, which credit card does not have a % fee charges for swiping payments out of malaysia....

not like the current direct access by cimb, they have a 1.5% fee charge on top of your foreign exchange currency rate, everytime you swipe it out of malaysia..

Haiz Public Bank Really Super Slow
Just Starting Process With My Application After 3 Week
And Tell Me Call Back After 2 Week
Wtf!!! I Apply At HQ Jalan Ampang
HSBC Gave Me Status After 4 days And Receive Card In 1Week
Haiz Public Bank This Call No1 Service In Malaysia!!!

Haiz Public Bank Really Super Slow
Just Starting Process With My Application After 3 Week
And Tell Me Call Back After 2 Week
Wtf!!! I Apply At HQ Jalan Ampang
HSBC Gave Me Status After 4 days And Receive Card In 1Week
Haiz Public Bank This Call No1 Service In Malaysia!!!

Maybank has 0.5% admin charge when you use your Maybank credit card overseas but a comparison showed by "Winner" that it has the lowest exchange rate and it is lower than Alliance Bank even after factoring in the admin fee.
It is 1% actually, not 1.5%.

Don't even bother to apply for Public Bank credit card. The cash rebate is super low at only 0.3% when most banks that are also using cash rebate system give 0.5%. There rarely is a promotion. You should just forget about Public Bank and apply for Maybank or CIMB Bank credit cards instead. Good luck !

u loss bcoz whn u shop at malaysia then it convert to SGD.
the conversion rate is high.

Haiz Public Bank Really Super Slow
Just Starting Process With My Application After 3 Week
And Tell Me Call Back After 2 Week
Wtf!!! I Apply At HQ Jalan Ampang
HSBC Gave Me Status After 4 days And Receive Card In 1Week
Haiz Public Bank This Call No1 Service In Malaysia!!!

I lost my wallet, so my ic n all the atm, credit card gone...need to do the replacement card. But the stupid PB only replace for my master credit card coz they say i never use my Visa card. I think they should not help me to decide which card i should replace lo...