Currently new to CC, which one should i apply? hmm..

use cash is the best.

If I know use this method I no need ask here already.

@winner: thanks for the link

@MilesAndMore : I'm a little surprised as well, but I do see a decent amount of PB ccs when I'm around malls.

@vin_ann : Personally I don't agree with that statement. Even from a finance point of view, if you can defer payment without any sort of penalty/interest, you should always do so =p
Of course I know CCs are dangerous since one might get out of control, etc

@solarwing : there's no "best" per say, depends on what you want. several factors you can look at,among others,are:

annual fee - there're truly free for life ones out there, but for most cards you can get some sort of a waiver. probably no longer a big factor to consider
points vs cash rebate - which do you prefer?
(if) points - is having evergreen points a must? (i.e. they points don't expire)
privileges - probably the factor you should be looking at the most. different cards have different discounts/etc, u just gotta find one which caters to the places you frequent the most

This post has been edited by ellimist: Sep 18 2009, 02:07 PM

If points which cc should i take seriously?
And also recommend cc for cash rebate too..
Thanks!

U can try this, AMEX Gold cc, it can get 5x point for groceries and petrol, 2x point for others, free for life, and if u dont want the point, u can use the point to make cash rebate.

Try to apply CIMB Petronase cc, free for life without attach any condition, 0.5% retail purchase rebate and also 2% rebate spending in Petronas petrol station.

@ solarwing
for points, you can consider Citibank I suppose, since the points are evergreen. but of course, above this, you should be considering the privileges, since discounts of 10% etc would far exceed the benefits of the points. Try going through Citibank/CIMB/HSBC website, and access go through the discounts they offer. These 3 banks imo offer pretty decent stuff

for cash rebate, there's that standard chartered JustOne card, but u better ask around in here, some ppl don't seem to like it. Another good alternative for cash rebate would be the Alliance you:nique card

basically there're loadsa cards tailored for different purposes. some cards give u extra discounts/rebates at certain petrol stations, some travelling orientated ones, movie ones =p, etc.

as i've said before, the discounts, etc should be ur primary concern

This post has been edited by ellimist: Sep 18 2009, 02:50 PM

CIMB Bank, Maybank, HSBC and Alliance Bank are some of the better ones.


Beg to differ. Using cash doesn't earn you any cash back

UOB used to be good but now it's getting worst .... the only good thing is they call u to verify the online transactions but now they slowly push forward the payment due date each date for each month without u realizing and u would get the late payment/finance charges however u can still call them to waive it ... i did try to call them to push back the dates however they say they can't .... so they can move forward automatically but can't push it backwards ? last time u just have to call one time to get the waivers for anything but now u have to call few times as they reply is there is no logs or application that you have called to waive it .... come on i even take down the names of the cs person and u still say i cannot ask about that person and the waiver don't exist ? damn stupid

AMEX Gold lesser chance to get waiver fee, futhermore not make place accept Amex card.

U can get CIMB (really free annual fee without swipe), or i prefer Maybank coz easier to maintain since i got saving account...

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Added on September 18, 2009, 7:25 pmno idea wat u talking about....

i used my UOB for GSC and BHPetrol but now Amex at Shell since got 2x (few months ago go 8x promotion)

This post has been edited by WaCKy-Angel: Sep 18 2009, 07:25 PM

dont know where should i post this but i think ppl in think post have more experience and opinions regarding credit card. the agents or company that help to apply credit card are belivable?

what don't u understand ? i am saying as the payment due date should be fixed however UOB is making the due date earlier each day a month eg. this month is 18 sep, next month 17 sept following month 16 sep etc

What are you talking about ? AMEX Gold credit card is free for life, just like CIMB Mastercard. With absolute no minimum swipe.

He's most likely referring to the charge card, but it is free for first 3 years, not that short period of time.

Not too sure. I know some are believable. Any chance why you could fill us in on why u wanna apply through an agent,instead of going straight to the bank?

i guess not every one is free to go straight to the bank, and as i know, agent can apply it faster

Ah ok. Well, the only experience I had with agents was the one at GSC, where I applied my GSC Eon card. No problems there.

Any particular agent you're looking at? (say in the mall, or somewhere else?)

how can they simply push forward?
cancel the card straight

Not quite. Since the post he quoted clearly states AMEX Gold cc