QUOTE(asiatrader98 @ Aug 27 2014, 04:19 PM)
That's why I never put 10% Which Credit Card to Keep?
Which Credit Card to Keep?
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Aug 27 2014, 04:21 PM
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Senior Member
11,554 posts Joined: Aug 2009 |
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Aug 27 2014, 04:21 PM
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Senior Member
1,451 posts Joined: Dec 2005 |
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Aug 27 2014, 04:24 PM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
QUOTE(asiatrader98 @ Aug 27 2014, 03:44 PM) thank bros and i agreed but for the petro, PBB Visa Signature & AEON WATAMI Visa Classic Card get 0% I can't always go to petro station weekend.....and not all the shell station accept amex then why not you get yourself a mbb vs to get 5% petrol rebate everyday? this can replace your mbb2cards or pbb vs (if you think you already have too many cards).https://forum.lowyat.net/topic/3299626 |
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Aug 27 2014, 04:31 PM
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Senior Member
1,451 posts Joined: Dec 2005 |
QUOTE(victorywp @ Aug 27 2014, 04:24 PM) then why not you get yourself a mbb vs to get 5% petrol rebate everyday? this can replace your mbb2cards or pbb vs (if you think you already have too many cards). bro concern about this annual fee RM550, and don't think i can spend RM50,000 a year........RM20~30k maybehttps://forum.lowyat.net/topic/3299626 so I rejected it when I applied MBB 2 cards the officer offer to me QUOTE(supersound @ Aug 27 2014, 04:21 PM) This post has been edited by asiatrader98: Aug 27 2014, 04:34 PM |
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Aug 27 2014, 04:40 PM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
QUOTE(asiatrader98 @ Aug 27 2014, 04:31 PM) bro concern about this annual fee RM550, and don't think i can spend RM50,000 a year........RM20~30k maybe for limited time, you still have some ways to earn your petrol rebate with your existing cards (after cutting away uob one card).so I rejected it when I applied MBB 2 cards the officer offer to me 1) aeon watami has 5% petrol cb at any petrol stations (until 01/09/14) 2) mbb2cards (visa/mastercard) has 3% petrol cb at caltex (until 13/10/14) |
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Sep 5 2014, 08:12 PM
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Senior Member
1,223 posts Joined: Sep 2005 |
currently having:
1) Maybank2kard V+A 2) Maybank VS 3) Alliance VI 4) CIMB VS 5) Citi V CB 6) PB VS I love cash back but planning to terminate 3 and 4 by the end of this year and 5 next year before they charge me govt tax. Still thinking very hard on 6 |
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Sep 5 2014, 08:16 PM
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1,223 posts Joined: Sep 2005 |
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Sep 5 2014, 09:18 PM
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Senior Member
7,496 posts Joined: Feb 2007 |
QUOTE(muscaa @ Sep 5 2014, 08:12 PM) currently having: u should cut 5 instead of 61) Maybank2kard V+A 2) Maybank VS 3) Alliance VI 4) CIMB VS 5) Citi V CB 6) PB VS I love cash back but planning to terminate 3 and 4 by the end of this year and 5 next year before they charge me govt tax. Still thinking very hard on 6 |
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Sep 5 2014, 11:53 PM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
QUOTE(muscaa @ Sep 5 2014, 08:12 PM) currently having: 1,2,6 are better cards.1) Maybank2kard V+A 2) Maybank VS 3) Alliance VI 4) CIMB VS 5) Citi V CB 6) PB VS I love cash back but planning to terminate 3 and 4 by the end of this year and 5 next year before they charge me govt tax. Still thinking very hard on 6 |
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Jan 13 2015, 04:07 PM
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Junior Member
55 posts Joined: Dec 2008 |
Hi All,
Which card (2/3 cards) should i keep to use? Currently holding below card 1. Ocbc titanium master 2. Standard charted just one master 3. Citibank platinium reward 4. Citibank platinum cash back 5. Hlb wise (category:petrol&grocery. will charge gist & annual fee on April) 6. Hlb gsc 7. Mbb 2 cards 8. Hsbc gold Monthly spending rm1050-1800+- Petrol 300+- Groceries 150+- Tnb 120+- Unify 147 Digi 30+- Insurance 280 Restaurant 50+- Other bill not monthly(land, assessment & indah water) Thanks for you all help. This post has been edited by weichai: Jan 13 2015, 10:56 PM |
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Jan 13 2015, 04:18 PM
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Senior Member
637 posts Joined: Mar 2014 From: Airport around the world |
QUOTE(weichai @ Jan 13 2015, 04:07 PM) Hi All, imo - keep Mbb2 card & HL wiseWhich card (2/3 cards) should i keep to use? Currently holding below card 1. Ocbc titanium master 2. Standard charted just one master 3. Citibank platinium reward 4. Citibank platinum cash back 5. Hlb cash wise 6. Hlb gsc 7. Mbb 2 cards 8. Hsbc gold Monthly spending rm1050-1800+- Petrol 300+- Groceries 150+- Tnb 120+- Unify 147 Digi 30+- Insurance 280 Other bill not monthly(land, assessment & indah water) Thanks for you all help. |
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Jan 13 2015, 04:34 PM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
QUOTE(weichai @ Jan 13 2015, 04:07 PM) Hi All, for your expenses pattern, mbb2cards must keep.Which card (2/3 cards) should i keep to use? Currently holding below card 1. Ocbc titanium master 2. Standard charted just one master 3. Citibank platinium reward 4. Citibank platinum cash back 5. Hlb cash wise 6. Hlb gsc 7. Mbb 2 cards 8. Hsbc gold Monthly spending rm1050-1800+- Petrol 300+- Groceries 150+- Tnb 120+- Unify 147 Digi 30+- Insurance 280 Other bill not monthly(land, assessment & indah water) Thanks for you all help. then maybe keep hlb wise if you have your categories chosen wisely and you know how to separate your transaction into rm50 each. then lastly, ocbc titanium for other transaction which not covered. |
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Jan 13 2015, 10:54 PM
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Junior Member
55 posts Joined: Dec 2008 |
QUOTE(tigaxxx @ Jan 13 2015, 04:18 PM) QUOTE(victorywp @ Jan 13 2015, 04:34 PM) for your expenses pattern, mbb2cards must keep. Hlb wise still worth to keep to use if charge annual fee & gst?then maybe keep hlb wise if you have your categories chosen wisely and you know how to separate your transaction into rm50 each. then lastly, ocbc titanium for other transaction which not covered. As I know hlb wise card annual fee quite high. This post has been edited by weichai: Jan 13 2015, 10:57 PM |
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Jan 14 2015, 02:44 AM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
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Jan 14 2015, 07:03 AM
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Senior Member
1,537 posts Joined: Nov 2008 |
QUOTE(weichai @ Jan 13 2015, 04:07 PM) Hi All, i suggest MBB 2cards and citibank rewards card. Which card (2/3 cards) should i keep to use? Currently holding below card 1. Ocbc titanium master 2. Standard charted just one master 3. Citibank platinium reward 4. Citibank platinum cash back 5. Hlb wise (category:petrol&grocery. will charge gist & annual fee on April) 6. Hlb gsc 7. Mbb 2 cards 8. Hsbc gold Monthly spending rm1050-1800+- Petrol 300+- Groceries 150+- Tnb 120+- Unify 147 Digi 30+- Insurance 280 Restaurant 50+- Other bill not monthly(land, assessment & indah water) Thanks for you all help. I got MBB 2card plat + MBB VS for myself |
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May 26 2015, 10:30 PM
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Senior Member
521 posts Joined: Oct 2011 From: Pulau Pinang |
Use hsbc card .
rebate more . and it's look so standard im using 1 is platinum . haha |
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Jul 23 2015, 12:28 AM
Show posts by this member only | IPv6 | Post
#317
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Staff
67,996 posts Joined: Sep 2005 From: KUL/BKK |
Guys, sorry to bump up this thread but I need help now. My credit cards list is getting longer and longer which I think it is very dangerous and I'm afraid my future CC and loan applications will be rejected by banks.
1) MBB2Cards 2) HLB MACH 3) CIMB Cash Rebate 4) Aeon Gold 5) RHB Plat 6) OCBC GE Plat 7) AmBank Plat Now my total CL is RM 120k which I don't think good for my credit exposure vs my puny salary. I plan to add UOB VOX and MBB Ikhwan actually, already rejected once by MBB for Ikhwan, never want to be rejected for second time again. My expenses will be as follow after 1st August: i) Dining - covered by MACH ii) UniFi - hopefully can be covered by VOX iii) Insurance - GE Plat iv) Groceries - mainly for TnG reload (hopefully can be covered by Ikhwan) v) Petrol - hopefully can be covered by Ikhwan vi) DiGi/TNB - GE Plat vii) Online transactions - hopefully can be covered by VOX viii) Overseas transactions - Aeon Gold and GE Plat ix) Others - GE Plat (1% cash rebate) PPL Privilege - Aeon Gold (6x), AmBank (unlimited with simple conditions). Am I right to say I should terminate my RHB Plat and CIMB CR? Though I feel sad to say this, even my MBB2Cards as well? Earlier I applied RHB Plat for PPL access (4x with AF) and CIMB CR for online transactions but it seems VOX may be able to cover it. Maybe I should replace all with just Aeon Watami and Ikhwan. Then PPL still stick to Aeon Gold and AmBank. This post has been edited by fruitie: Jul 23 2015, 12:43 AM |
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Jul 23 2015, 01:40 AM
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Senior Member
4,404 posts Joined: Jun 2012 |
QUOTE(fruitie @ Jul 23 2015, 12:28 AM) Guys, sorry to bump up this thread but I need help now. My credit cards list is getting longer and longer which I think it is very dangerous and I'm afraid my future CC and loan applications will be rejected by banks. CUT:1) MBB2Cards 2) HLB MACH 3) CIMB Cash Rebate 4) Aeon Gold 5) RHB Plat 6) OCBC GE Plat 7) AmBank Plat Now my total CL is RM 120k which I don't think good for my credit exposure vs my puny salary. I plan to add UOB VOX and MBB Ikhwan actually, already rejected once by MBB for Ikhwan, never want to be rejected for second time again. My expenses will be as follow after 1st August: i) Dining - covered by MACH ii) UniFi - hopefully can be covered by VOX iii) Insurance - GE Plat iv) Groceries - mainly for TnG reload (hopefully can be covered by Ikhwan) v) Petrol - hopefully can be covered by Ikhwan vi) DiGi/TNB - GE Plat vii) Online transactions - hopefully can be covered by VOX viii) Overseas transactions - Aeon Gold and GE Plat ix) Others - GE Plat (1% cash rebate) PPL Privilege - Aeon Gold (6x), AmBank (unlimited with simple conditions). Am I right to say I should terminate my RHB Plat and CIMB CR? Though I feel sad to say this, even my MBB2Cards as well? Earlier I applied RHB Plat for PPL access (4x with AF) and CIMB CR for online transactions but it seems VOX may be able to cover it. Maybe I should replace all with just Aeon Watami and Ikhwan. Then PPL still stick to Aeon Gold and AmBank. 3) CIMB Cash Rebate 5) RHB Plat & pls, Don't feel Guilty to Convert Your M2C to Ikhwan CC - it already can cover your Petrol, Groceries expenses as the Dining goes to MACH... This post has been edited by fly126: Jul 23 2015, 03:21 AM |
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Jul 23 2015, 06:00 AM
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All Stars
11,677 posts Joined: Oct 2013 From: Her Heart |
QUOTE(fruitie @ Jul 23 2015, 12:28 AM) Maybe I should replace all with just Aeon Watami and Ikhwan. Then PPL still stick to Aeon Gold and AmBank. if you really want to minimise your cards, this will be my suggestion too.1) dining/unifi/insurance/digi/tnb/online/overseas/others goes to watami. you will lose around 1.6% on dining/unifi/online but you earn back around 2.4% on insurance/digi/tnb/overseas/others. 2) grocery/tng/petrol goes to ikhwan. 3) ppl goes to aeon gold and ambank. i know you want to use one of the card for your partner, otherwise can cut one of it, too lol). having said the above, i think it's tough for you to get watami and ikhwan now, unless you cut your other cards first (maybe 1 month before apply) OR you cut your existing aeon gold cl to secure watami and mbb2cards cl for ikhwan. |
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Jul 23 2015, 08:22 AM
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Senior Member
2,567 posts Joined: May 2008 |
QUOTE(fruitie @ Jul 23 2015, 12:28 AM) Guys, sorry to bump up this thread but I need help now. My credit cards list is getting longer and longer which I think it is very dangerous and I'm afraid my future CC and loan applications will be rejected by banks. Do take note the GE Plat 1% cash rebate is only applicable for the first 1k, after that it drops to 0.5%1) MBB2Cards 2) HLB MACH 3) CIMB Cash Rebate 4) Aeon Gold 5) RHB Plat 6) OCBC GE Plat 7) AmBank Plat Now my total CL is RM 120k which I don't think good for my credit exposure vs my puny salary. I plan to add UOB VOX and MBB Ikhwan actually, already rejected once by MBB for Ikhwan, never want to be rejected for second time again. My expenses will be as follow after 1st August: i) Dining - covered by MACH ii) UniFi - hopefully can be covered by VOX iii) Insurance - GE Plat iv) Groceries - mainly for TnG reload (hopefully can be covered by Ikhwan) v) Petrol - hopefully can be covered by Ikhwan vi) DiGi/TNB - GE Plat vii) Online transactions - hopefully can be covered by VOX viii) Overseas transactions - Aeon Gold and GE Plat ix) Others - GE Plat (1% cash rebate) PPL Privilege - Aeon Gold (6x), AmBank (unlimited with simple conditions). Am I right to say I should terminate my RHB Plat and CIMB CR? Though I feel sad to say this, even my MBB2Cards as well? Earlier I applied RHB Plat for PPL access (4x with AF) and CIMB CR for online transactions but it seems VOX may be able to cover it. Maybe I should replace all with just Aeon Watami and Ikhwan. Then PPL still stick to Aeon Gold and AmBank. |
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