I'm applying for a card for the first time. Thinking of doing it at Maybank.
Do you think I can still apply for one if I don't reach the minimum annual income?

This post has been edited by masterelr: Mar 22 2010, 10:57 PM

How long will it usually take to make a credit card and is there a big difference between those with and without annual fee?

I'm planning to apply a Public Bank credit card. Its my first time applying for a card so any recommendation?
I thinking of either a Visa Classic or Visa Gold. After reading the description I really don't see any difference between to two. Maybe its just the colors. Can both of these cards be used to buy stuffs online? Or are there only certain cards that can do that? Such as a platinum card maybe?

I heard its possible to buy stuffs online using a debit card. Is it true and what are the type of cards that can do this (or banks offering it)? If its true then I suppose I don't need a credit card then?