Jan 2 2013, 05:04 PM
QUOTE(suadrif @ Jan 2 2013, 11:59 AM)
Hi guys, i am looking for new credit card to apply.
As this is my first credit card, i wonder if its really beneficial for me if i use it rarely. let say, once per month?
1. Annual Income: RM3k per month = RM36k per annum.
2. Free Lifetime Annual Fee: Preferably yes.
3. Card required for: Most of it for petrol and bill payment, sometimes movies and sometimes grocerries.
4. Existing credit cards if any: Nil.
5. Looking at CC from: Any
6. Others: Currently i only have two debit card which is Maybank and CIMB. mainly used for petrol and grocerries but no discount +_+
imo, i guess SC current promo (15% rebate) is the best for petrol, though we cant assure its continuity after 6 months...As this is my first credit card, i wonder if its really beneficial for me if i use it rarely. let say, once per month?
1. Annual Income: RM3k per month = RM36k per annum.
2. Free Lifetime Annual Fee: Preferably yes.
3. Card required for: Most of it for petrol and bill payment, sometimes movies and sometimes grocerries.
4. Existing credit cards if any: Nil.
5. Looking at CC from: Any
6. Others: Currently i only have two debit card which is Maybank and CIMB. mainly used for petrol and grocerries but no discount +_+
for more balanced, alrounded, should be ocbc, or maybank 2 cards (for weekend spending).
just my 2 cents..
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