Hi, regarding OCBC Ti card, for the annual fee waived with 12 swipes.....does auto billing (phone data plan) counts as one swipe per month? As in, if i subscribe to auto billing for my data plan, i'll automatically be eligible for annual fee waived.

Hi,would like to know what cc suitable for me

Annual income: RM24000-30000
Annual fee: free
Card required for: cash back, grocery, astro, online shopping, mostly bill payment
Existing credit card: nil
Preferred bank: no specific
Other : cash back or reward point also ok
Estimate use of the card: less than 1k

Try apply Maybankard 2 Cards, if not mistaken Astro accept AMEX also. Go to Maybankard 2 Cards thread to read more.

Just wanna check is there any extra charge for amex payment.thanks for the recommendations. Really gonna go apply this card

Most reputable shops won't charge extra for AMEX payment.

Huh? Since when shops charge extra with AMEX payment?

Not sure, but I read on the amex tread that some shops do charge extra.

Heck, some maxis shops even charge extra for any CC payment.

This arise from the old thinking that shops has the right to surcharge consumers when they use Mastercard, VISA or AMEX.
I kept on saying that such actions are illegal and outlawed by Mastercard / VISA and AMEX and merchants who are caught with proof - banks / Mastercard/ VISA & AMEX can severely penalize them.

It is very simple ... shops that attempts to charge you extra ... boycott them and report them to the banks.
Never advocate paying the extra.

Oh, thanks hye. There's a maxis shop in my area that always wants 2.5% extra for CC payment for mobile phone purchase. Boycotted them, but didn't know can report.

Thanks for the information... at least if they inform (before the payment) then it's fine. Just scared of the hidden charges, really need to double check payment then.

This post has been edited by shawnk: Apr 19 2012, 12:04 AM

I plan to get a CC for some backup in cash flow. Any suggestion from my criteria at below?



This post has been edited by jtcs87: Apr 19 2012, 09:22 PM

Bro, try not to do instalment if you can't afford the actual price upfront.
My friends are in debt cause of this.

But for petrol and utilities, you can try either OCBC Titanium or Maybank2 AMEX + VISA or MC.

@jtcs87

CC is not be used as backup for cash flow. As a fresh grad ... you obviously have the wrong mentality (in a way foolish understanding of debt) to own and use a credit card. If this is your intention (you used the word "cash flow") then no credit card is suitable for you as high risk you'll accumulate debt the wrong way.

This post has been edited by hye: Apr 21 2012, 07:25 AM

Not for OCBC Titanium, salary range doesn't fulfill the requirement.
Even for people who fulfill also have difficulty to be approved by OCBC.
I'm one of the typical cases which have no total idea when one has good repayment record and no liability in hand.

I fulfil requirements, but still rejected. ..z
No liability as well.

If i had prepared my full amount. But i don't want for paying in one shot. Is that good to get a CC to the instalment plan?

Then pay full amount. This is personal finance that we are talking about here. Installment plan is a debt trap.
Many people come in this section wish to be personally debt free and regret building debt the wrong way. Here you are keen to build debt the wrong way.

Understood for it. Thanks.

1. Annual Income: 36k

2. Free Lifetime Annual Fee: A Must

3. Card required for: online shopping, travel money & emergency

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: maybank? dont mind.

6. Others: i dun know. i love to travel, so this is important. and can i know whats the credit limit for the card that you'll suggest.

7. Estimated Spending per month with the card: depends. wont spend it every month.

1. Annual Income:

2. Free Lifetime Annual Fee: A Must

3. Card required for: online shopping, fueling

4. Existing credit cards if any: yes, DA Gold

5. Preferred Bank or Considering CC from banks: any

6. Others: have instalment plan, plan to take professional course and pay monthly. can apply using existing card

7. Estimated Spending per month with the card: any purchase with full settlement every month