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Credit Card v9, RM50 GST dilemma
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padisawah
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 Jan 31 2010, 10:54 PM
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Getting Started
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hello...need some advice here... i may need a credit card (or may not). i am just a new working professional, been working for 4 months. calculated my per annum net salary (after minus epf+socso) is < Rm30k. why i say i may need a card coz currently i am pursuing part time study while working and there will be fees incurred that i wont be manage to pay with my 1 month salary alone. actually the fees can be claimed with the firm i'm working with it's just that i have to pay first. so which is the suitable card for a starter like me and from which bank? i may also use the card to purchase few one-off things anyway, my knowledge about the technical side of owning a credit card is basically zero (like the payment process, interest rates, rebates, balance transfer, fees etc). care to suggest any website links useful for me to read? thanking in advance  This post has been edited by padisawah: Feb 1 2010, 02:08 AM |
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padisawah
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Feb 1 2010, 12:39 PM
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Getting Started
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QUOTE(cenkudu @ Feb 1 2010, 01:10 AM) I don't think he is looking for debit card as he clearly mentioned that he need to use the card to pay some fees upfront before getting reimbursement. I would recommend either Direct Access or CIMB. Just need ur degree cert, pay slip if any plus other docs. but you need to ensure that your company can reimburse within 20 days of the statement date otherwise interest will start to occur.
Added on February 1, 2010, 1:31 amcalled SCB and they said i need to wait until the annual fees is charged before they can waive it. anyone has experience this with SCB or other banks? how fast they will process this as I'm afraid with interest etc.. Bank Rakyat is a new credit card provider (just starting early last year or end 2008) and has small customer database. I believe they try to retain and attract more customer with this offer (plus free for life as well). because of the small number of customers you can easily reach their customer service without any hassle. the highest level of card they offered is gold, no platinum  ic...another question, what's the different between normal cimb bank credit card and direct access? seems like 2 different products as shown in cimb website. another thing, i saw there's ACCA Malaysia sdn bhd direct access card. since i am pursuing acca, is the card for me? |
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