Which clinic?

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Added on June 30, 2010, 12:06 pmWhat are you guys think about the 2 visa signature cards issued in Malaysia?

This post has been edited by Alec.Yong: Jun 30 2010, 12:06 PM

i didn't settle min payment for 3 months for my both cards. I am in Singapore now. I will pay all the 3 months min payment 1 shot next month. will the bank blacklist me for not settling min payment for 3 months?

If allowed, I wanna swipe all my purchases using cc without cash. I always pay <RM20 via cc, such as Guardians, Dome Cafe, Giant, Tesco, Starbucks, and many more.


The one issued by EON Bank is slightly better, but it is still not good enough as compared to other CCs offering bigger cash back and points.

I'm looking for a credit card basically to pay for my car petrol and to do some online transaction(foreign and local). My annual income is RM20k+. Features that I want in my credit card is :

1. Online bill payment (I use RHB Bank)
2. Support both Visa and mastercard
3. Low annual fees
4. Good rebates for petrol.
5. Good exchange rates for foreign currency transaction.

In more developed countries, buying a bottle of Coke at 7-Eleven with cc is the norm. The less developed a country/area is, the rarer people pay with cc. I went to The Store at some Perak town, the people there buy clothes with cash (few hundred ringgit). Yes, the town has a few banks. Maybe cc is not promoted much or there is ignorance in its use.

Likely yes. Best to use internet banking to settle it. Also paying only minimum payment is the road to debts...

CIMB master petronas
2% rebate on Petronas petrol station and 0.5% rebate on other retail pruchases
No annual fees.

Any example?

hi all gurus, I'm actually looking for a credit card where I normally use it to pay for my car petrol and groceries. My annual income is RM30k+. Extra features :

1. Online bill payment
2. Low annual fees or (waive)
3. Good rebates for petrol.

I opt to go for HSBC and Maybank credit card but any recommendations?

hi all,

i'm currently using citibank SHELL gold card. this is my 2nd year using. the 1st year they waived my annual fees(as stated in the t&c) but now 2nd year, they want to charge me RM195 for annual fees!! i called and asked for waive but they said can't!

i was thinking to cancel the card since i just swipe the card when i pump shell..its just a convenient to me but i still can use my hsbc card to do that.

does anyone know anyway to make they waive the card?

CIMB kinda desperate this days. They called any chase an outstanding balance of RM100 thats late for few days.

Well, if your main concern is "reward points" only, Amex Gold cc so far gives the most points for local transactions. As for overseas transactions, Alliance Plat cc, CIMB World MC and Amex also give x2 points, while SCB VI and SCB Plat cc give x5 points and x3 points respectively.

And of course, other Plat CCs do sometimes give x2 points for overseas transactions, but it is always temporary in nature.

+1

For those who ask to recommend which card recently for their petrol or groceries usage, and also to other forumers, it may be better if you can provide more details. It will help in recommendation.

e.g. Petrol:
Petronas : Better to use MBB Petronas for 5x + Mesra points
Esso/Mobil : Better to use MBB Amex Gold Credit Card for 5x + Smiles points

For groceries, mostly:
Tesco ?
Giant ?
Carrefour ?
Jusco ?
Cold Storage ?
Mydin ?
Chow Kit Wet Market ?

This is due to different banks and merchants have slightly different pros & cons.

Ive been using Shell gold since its launched. Up to last year renewal, they waived my RM195 annual fee. When did you call them ?

No one here uses ambank true??? might just consider getting mb petronas instead

Ok. I got what you mean now.
Amex is the best card to earn points!!

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Added on June 30, 2010, 6:20 pmCalled to the bank this evening to check the application status and was told by the CS, the application is approved.
Hopefully will receive the card within this week.

This post has been edited by Alec.Yong: Jun 30 2010, 06:20 PM

It's too late mate ! Your credit report is now officially "calar" liao.


However, it should be noted that only people in the USA rely heavily on plastics. In other developed countries such as Western Europe, most people are still using cash.

To be exact, it is Amex Gold cc.

iI dont have fixed income, so I apply HL Essential Visa by securing it with RM10k FD. I got rejected. Any idea why? Is it 10k too little for essential card? Or they dont want do my business?

That one without MBB logo?

This post has been edited by Alec.Yong: Jun 30 2010, 09:39 PM