That's true. I confirm with CS and CS told me i can charge my credit card to swipe certain amount that i want to.

Yeah, it's unsecured lending. I agree with that.

Any user here successful getting other bank's credit card by using existing credit card which is under fixed deposit pledge to apply? I think bank approve credit cards based on CCRIS, if CCRIS show you spent a lot and you're a good paymaster, they will give you what you want?

This post has been edited by persistence85: Dec 9 2010, 09:14 PM

In addition to your post, do take note that some famous CCs which give more reward points and cash back including Amex Gold cc, Citibank Cash Back Platinum cc, SCB JustOne Titanium and OCBC Titanium DO NOT give complementary travel accident insurance.

Today I applied for MBB MC Plat by phone only. No need to fill in any forms. Save the hassle to go to branch to fill in application or even fax them the application.

Read more at my blog at creditcardsmalaysia.blogspot


Ok, now I get it. You can make separate payment using both cards, e.g 1 card RM3.8K and the other RM3.2K. As for flexi payment, what card you using, if CIMB/Direct Access/Public Bank they will charge you upfront 1% and then equal installemnts. I think Alliance also upfront by not 0% and then equal installements.

What cards you have then I can go check the T&C.

May be the card his parents are using is the Air Asia MasterCard.

I using Public bank now, and alliance bank are applying. Hopefully it can approve

I went to PBB website and cannot find any installement plan (offer expired?) and for Alliance noted only for Balance Transfer.

But just to let you know, Alliance 6% interest for Balance Transfer is charged upfront. For example, if do BT RM3000 for 2 years, they will charged you RM3000 x 6% x 2 years = RM360 upfront. So in reality the interest not really 6% for installement plan more than a year.

Click below for Alliance BT plan:

http://www.alliancebank.com.my/ccard_balan...ore.html#BTFIXP

Before you go buy the RM7K stuff better you check if both cards got installement plan or else you will end up paying really high interest. But my recommendation is not to buy it since you cannot afford it and not fall into the trap of installement plans and end up cannot affort to pay monthly.

This post has been edited by Gen-X: Dec 9 2010, 09:43 PM

Oh i see, thanks a lot for helping me. So i need to check all correctly only can use credit card, btw i did ask public bank for the flexipay plan but they didn't tell me about the charged upfront.

did PBB mentioned the interest how much? You can use the cards but if no flexi plan then you'll end up paying high interest. Seriously, just save money for next 1 year and maybe by that time you want something else.

Mind telling me what you buying? Maybe the merchant offer 0% interest free. Example Dell - 0% for Citibank and Maybank, HP - HLB and many other cards, Harvey Norman - almost all cards, Coach - OCBC, etc.

This post has been edited by Gen-X: Dec 9 2010, 09:59 PM

If I only have that 3 cards, which is better in terms of cash back or points accumulation?

PBB mentioned that is 6% for 24months to pay back all, but i think i need to go there again and fully understand it. No problem, i want to but a high level Digital SLR camera body only which is costing 6k and a lens 1k. And i wanna pay by installment, but shop are allowing 12month installment so i try to ask some installment plan from bank. For my salary now i can take out RM400 ~ RM600 so i calculate i can afford for 24months installment. But if i take 12months installment they need me to pay around RM500+ so that i cannot make a saving for every month, for 24months installment i can make some saving and also backup for emergency.

hi guys! just wanna know.......

i just graduated and started working last month with the salary of <2k per month, can anyone suggest me a CC that doesn't require any annual fee or hidden cost?

i plan to buy a DSLR which cost RM4000 with 12/24 months 0% easy payment scheme.. is it possible for me to pay 333.33 every month for 12 months ?

Wow, you're willing to let the bank charge you 6% interest. If i was you, i will pay it in full.

This post has been edited by persistence85: Dec 9 2010, 10:33 PM

What are the 3 cards are you currently holding ?


You are putting a huge strain on your financial position. How about this ? Putting your plan on hold first and buy it a year later ? The DSLR is not going anywhere.


CIMB Bank MasterCard.


Only if that particular shop if you going to buy the DSLR from is offering 0% IPP and your credit card is on the 0% IPP supported list.

By the way, you'll have to pay RM333.34/month instead of RM333.33/month, assume you can get the 0% IPP for 12-month.

Anyway, you just graduate and you do not even own your first credit card yet. Do you really think it is worth it to buy a RM4,000 DLSR ? I know owning a DSLR is like the latest fashion trend now but seriously, i don't think it is wise to buy it if you can't really afford it now. Just my RM0.02.

This post has been edited by MilesAndMore: Dec 9 2010, 10:40 PM

I also worry about my financial, so that i do need to check all clearly, hopefully can get other way to do it.
That dslr price already drop 2k since it launch, and i planning to change my working place to sg.
Thanks all of you for helping me, maybe i need a discuss with my family too.

best cash back OCBC 5% but capped at RM50 a month - Free For Life

best points accumulation AMEX Gold Credit Card - Free For Life No limit on monthly cash back

click on my sign below on cash back cards.

DSLR in two years time will have better and cheaper model and present model much much cheaper

Seriously just save for few months and then get 12 months 0% installements by merchants. Why you want suffer and make bank richer? Unless you telling me you doing part time then no problems getting 12 months installements.

another guy wanting DSLR when got no money you guys want to follow sinchang (senior forummer at photography section) taking photos of models ah.

FYI, usually buying with 0% installement the price higher compared with paying in full where you can get discount. Best option if got money to buy, pay in full then do BT with 0%.

wow.. so 0% thing really exist ya ?

no la.. not going to buy RM4000 DSLR la.. just for example only.. will only afford to look for beginner DSLR which cost around 1k.. just asking if the 0% thing really exist..
thanks bro.. i got my answer already.. thanks for ur advice..

OCBC, Amex or HSBC. out of these 3, which is better?

I keep receiving sms/call regarding HLB Credit card cash facilities (with lowest rate). Is it some sort of cash advance?

OCBC. No doubt.

Something similiar to cash advance but with fixed monthly repay payment. That fella keep phone me and ask me want or not ... I keep tell him no need and he keep call ..