Just want to ask here as I'm also facing the similar situation
Is that mean if I charge RM3k for installment of 6 month on my 4k cc on Jan 2010,

1) Jan charged RM3k, i left RM 1k credit limit
2) Feb pay the 1st installment RM500, i still left RM 1k credit limit (not RM1.5k or RM4k)
3) March pay 2nd installment of RM 500, i still left Rm 1k credit limit, bla bla bla same for the following months
4) Last month July, I pay the last RM 500, then I have my credit limit back to RM4k

Is my calculation above correct? Or the bank using other formula?

Please help, thank you.

I beg to differ. Credit card is way better than cash provided you're the kind who knows to only spend within your means. Credit card has an interest free period of up to 50 days. I usually pay only on the last day before my credit card bill is due so i can let my money to earn more interest inside my savings account 
I believe you are referring to the AMEX Gold credit card instead of any AMEX Charge Card as it is the card that gives you 5x MR points besides AMEX Ikhwan credit card and Maybank Petronas credit card.
The Citibank SHELL credit card doesn't give you 5% rebate on petrol. It is much lower than that. You will only get 5% rebate on petrol if you have any carried forward balance which really is no point. The AMEX Gold credit card is good enough as it gives you a minimum rebate of 2.5% on fuel purchases. The rebate percentage could be even higher if you use the MR points accumulated to redeem certain vouchers such as MPH Bookstore vouchers which require a lot less MR points than other shopping vouchers in the MR catalogue.

correct me if I'm wrong, but doesn't Amex have the lowest interest rate among all local credit cards? 9% vs 12-18%

still hav to pay rm50 for the GST?

just cant escape from it rite

Minimum need to submit another bank's platinum credit card (more than 1 year old with reasonable platinum grade credit limit) as proof. Otherwise your sister really need to spend extra ordinarily in her current gold card with good paymaster history. Or if your sister's salary goes into the same bank, just ask them check her account as proof of income.

hi im new here, any1 r doing CC sales here?? any bank will do.

need to apply the very 1st card for myself. any1 mind to help??

monthly 1800, epf sept2009-mar2010, bank statement, EA form(latest), payslip sept09 - feb2010....all doc available.

dont mind to pm me.thx

I use my MBB Amex Gold Credit Card (with MBB logo) and I always get 2x TP (not MR), when paying hotels and foods overseas.

Same with my Amex's Amex Gold Credit Card (no MBB logo), even when purchasing online using USD or other foreign currency.

e.g. S$100
= RM245 (a bit higher rate)
= x2
= 490 TP

Look for promo, sometimes the plat card will offer 5x or 10x TP/MR for overseas spending.

You meant 2x points? Which card are you holding?

As for the generic MBB plat card, entitled 2x points too for overseas transactions. 

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?

guys, some question about cash advance from credit card.

lets say i have a credit limit of only rm3k. already used rm1k. so there is a balance of rm2k.

according to the cc agreement book, it say "50% of credit line & subject to available credit balance or whichever that is lower"

does that mean i can only take 50% of rm2k (available credit balance) , or 50% of 3k (full credit)?

thanks. sorry for any error as i`m typing with one hand

I got rejected by Standard Chartered for their Credit Card and Personal Loan.

The representative said that because I don't have any loan or other cards so the bank sees me as high risk.

Does that me I have to get a car loan first ??