wondering how can u swipe 5.2k if ur CL is 5k? maybe u get temp CL increase.

anyway the answer is, u can still swipe rm500 (since recent is 4.5k out of 5k).

next time, pay 1st before swipe (to increase the CL).



This post has been edited by erry-: Jan 24 2011, 11:32 PM

so now both ocbc ti and mbb 2 u cant apply.

i already post in previous thread - best petrol card for classic card

u can try rhb travel money. got annual fee rm70.
5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide.
cash back is based on 20% of total monthly retail spend. maximum cash back is RM60 per month.
min req is rm18k/year.

ambank carz - free for life. 2% at ANY petrol station. max rm20/month.
min req is rm24k/year.

or change to esso/mobil with pbb. free for life. rebate 2% for rm200-rm500 at esso/mobil.
max cashback is rm50/month (currently rm80/month till 31/3).
min req is just rm18k/year.

BTW MilesAndMore, why at 1st page link for v13 is not usable?

pls update the link - http://forum.lowyat.net/topic/1671920

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Added on January 24, 2011, 11:42 pmalso, pls update those below:

3. Credit Card linked to Petrol

- UOB <> BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Public Bank <> ESSO/MOBIL = 0.5 - 5% (tier-based), for Esso/Mobil co-brand card only



This post has been edited by erry-: Jan 24 2011, 11:42 PM

I posted the wrong link


Done. Have also added Maybankard 2 AmEx to this category

oh okay.

err.... u accidently duplicate UOB there

Post corrected.

Hi,

Newbie here. I wish to know what credit card i can apply? Because i rejected by some bank.

Here is my situation :
- degree holder
- working under contract, 2500 salary
- sign contract with A company but work at B company
- got payslip(from A company) , epf(10%,12%), and bank statement(cheque deposit)
So, i should write my employer is A or B company when i apply anything?

Thanks if you guys can help :-)

This post has been edited by BeChong: Jan 25 2011, 12:22 AM

Because you are a contract staff, you need to write Employer = Company A (the one that issues your pay and payslip).
From Company A, they would know you are a contract staff to be stationed at Company B.

But company A do not have fixed phone number and just have the boss mobile contact only....?

Which type of cc is the best that i can apply? I seldom shopping and maybe just use cc for food,petrol,pay some debt,booking online,etc...

I seldom use actually, maybe i need free for life cc ? then i can use it when really needed....

Thanks if you can give an advise

Do you think "CIMB Direct Access MasterCard / Visa Gold" is good for me to apply? And will it approve my application? Or other bank like MayBank?

One more thing is, how long i can know the result and get the card after i submit the application? Where i can collect the cc? Just wish to know

This post has been edited by BeChong: Jan 25 2011, 12:43 AM

Have you ever tried CIMB Bank/Direct Access ? Since you're a degree holder, you can try Direct Access first.

Ya, i plan to try apply CIMB since i am degree holder

But still got what bank provided cc for graduates? MayBank also got right? Just scare failed from CIMB only, that's why i need ask how long can know result? Because it take time to go bank do this stuff again and again..tired

I get rejected by Alliance and EON bank before this Is it a problem that is i worked under contract? I have no idea why rejected Maybe i need to change to a permanent job only can apply cc? sad :'(

This post has been edited by BeChong: Jan 25 2011, 12:53 AM

1st, pls differentiate CIMB and DA.

DA do offer card for degree holder, while CIMB dont.

CIMB, like other bank - u can apply without degree, just the salary slip. the req is based on the salary.

ok?



This post has been edited by erry-: Jan 25 2011, 12:56 AM

This is CIMB Direct Access Credit Card : http://www.directaccess.com.my/index.php?c...=2&tpt=cimb_da#

I'm not sure sorry

its ok. maybe u confused.

Direct Access previously owned by Southern Bank. but now is under CIMB.
ok that is graduate card offered by DA.

while CIMB (http://www.cimbbank.com.my) didnt offer any graduate card.

btw, try to apply card with lowest requirement, and apply it with salesman doing promo at (example is) hypermarket (not apply at the bank).
usually they will help u to get the card (to achieve their sales target).
after u get the card, use it wisely. next year, u can use the card to apply for another card.

after u get the card, use it wisely. next year, u can use the card to apply for another card. what another card do u mean?
can you tell more? i can use it to apply another application you means? but do i need to keep use it and make the payment record good? How if i just use once or twice a year?

- Can i apply Maybankard 2 Gold Card now? (new lauch and sound cool) but i don't know much about it, just say only....

This post has been edited by BeChong: Jan 25 2011, 01:10 AM

yes.

example with PBB (Public Bank Berhad), they only need 6 months card to apply with them:

If you have been a Principal credit cardholder for at least 6 months with a credit card that is issued in Malaysia and valid worldwide, just enclose
* Photostat copy of your NRIC (both sides) or Passport and Work Permit for Non-Malaysians; and
* Photostat copy of your Credit Card (front only).

its best if u make the payment record good.
besides, that is what credit card supposed to be.
if u plan to have debt and bad payment record, then sorry, u are planning to failed

so back to ur question, yes, u can use it to apply for another card

pls read the requirement 1st before apply ok?

Minimum annual income:RM30,000

Required documents
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 2 months' salary slips
* Latest 3 months' savings account activity/current account statement

since u dont have a '1 year credit card', so u need to submit all those documents.
if u dont have BE form with official tax receipt, no need to apply then

If i just use once or twice a year ? Still can apply another card after 6 months or not?

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Added on January 25, 2011, 1:16 amThanks for your info really helpful !!!

One stupid question, what is BE form with official tax receipt ? Sorry,i really stupid

This post has been edited by BeChong: Jan 25 2011, 01:16 AM

still. but not sure if it will be approved or not

u will pay rm50 gst for 1 year for credit card. why just want to use once or twice a year?
use it wisely. pay all the statement balance.

just convert all ur cash-flow now to the card.

example is for ur telco.
using postpaid, pay the bill with credit card.
using prepaid, go topup at tesco/giant then pay with credit card.

with that u wont use once or twice a year ~

ur welcome.

BE form is LHDN form.

in other word, borang cukai pendapatan ~