My friend just started working for a week. She asked me can she applied for a credit card or not, now because her cost is living increased..i dont know what to answer..haha..so here her details

1. Annual Income: rm26400 per year

2. Free Lifetime Annual Fee: Yes(but No also can)

3. Card required for: Car petrol/online shopping/other expenses

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank

Minimum income to get a credit card is RM 24k per annum.

This post has been edited by fruitie: Sep 5 2012, 10:43 AM

there is another way to get credit card?

1 week start work and want a credit card Ask her to go change her lifestyle (e.g. take public transport and save on petrol) and live within her means

done..already ask her to go sell her body(change lifestyle aite)...haha

Pls help

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A must but if can be waived also doesnt matter

3. Card required for: List all your needs. 30% for petrol 30% for bill. The rest for shopping. Max expense should be only RM1k for the card.

4. Existing credit cards if any: maybank petronas

5. Preferred Bank or Considering CC from banks: i prefer ocbc titanium, but i heard it hard to get approval.

6. Others: Please be specific. If possible the card can be used at all petrol station. And can get cash back or reward point at giant and jusco.

7. Fixed expenses per month with the card: below 1k

8. Non-fixed expenses but recurring in RM: none. Strictly used for petrol, bill and shopping only.

Guys, a tricky situation here. I am currently working in Australia and i want to get a supplementary credit card for my folks back in Malaysia. Any chance of that happening?

1. Annual Income: Private but definitely above >200k. Considering only Platinum cards and above.

2. Free Lifetime Annual Fee: Doesn't matter.

3. Card required for: Travelling, Frequent flyer miles

4. Existing credit cards if any: Bank of Melbourne Platinum in Australia.

5. Preferred Bank or Considering CC from banks: Doesn't matter.

6. Others: Please be specific. A bank that allows applicants from overseas

7. Fixed expenses per month with the card: Not sure yet, depends on them. They might not even use it.

8. Non-fixed expenses but recurring in RM: Not sure yet, depends on them. They might not even use it.

Tried Premier Miles from Citibank but they do not allow applicants not working in Malaysia. Thanks!

This post has been edited by The Analyst: Sep 6 2012, 05:39 PM

RM300 for Petrol, you can consider UOB One Card where you earn 5% for Petrol BUT for most other transactions you only earn 0.3% cash back.

I agree with you OCBC Titanium MasterCard will be good for you, so if you annual income is RM36K/year, go apply for it. If you don't apply for it, 100% won't be approved.

Now, since you got Maybank Petronas, you can easily get the FREE For Life Maybankard 2 Cards. If you are in Klang Valley, just drop by Maybankard Centre at 1U, KLCC or MBB HQ. You can then use the Maybankard 2 AMEX to pay your Telco, TNB & TM bills and shopping at Giant and Jusco to earn 5X Treats Points everyday PLUS 5% cash back on weekends which is better than your MBB Petronas. I think this option is good, when you need to pump at Petronas, use your existing Petronas card.

Really no point in getting the UOB One Card if you pump at Petronas because your existing Petronas card already earns your minimum 5X TP or 2.5% cash back (or 4% with 8X TP on Saturday and Sunday) when you redeem for cash voucher. So effectively you only earning maximum 2.5% extra and for RM300 Petrol, that is extra RM7.50/month or RM90 per year and less RM50 GST, you only earning RM40 per year, wasting time.

Bro,

Option 1 - get a Supp Card from Australia? But of course the conversion fee is high, so not a very good option.

Option 2 - next time you come back, go to your bank in Malaysia and see if you can apply for a credit card. Maybe can email them and ask too.

Option 3 - you can get a local credit card if you open a Premier/Priority/Privielge Banking Accounts in Malaysia and then supp the cards to your parents.

Option 4 - ask your parents to go a open joint Citibank Savings Account (better still if you back and also joint with them) where BOTH can be issued Citibank Debit Card on the spot from a single account. You in the meantime go open a Citibank Account in Melbourne (at Collins Street because the China Town branch can do nothing). You can then sent money instantly, up to USD12.5K/day, to your parents Citibank Account when the need arise. If you had opened joint account with them like I mentioned earlier, then you can view the Malaysia Account online too from your online Citibank Australia Account and vice-versa. Click here to read my article Melbourne Victoria Australia where I did a comparison between withdrawing cash with Citibank Debit Card and Citibank Global Fund Transfer.

Option 5, ask them go get Debit Card from their existing bank and you go deposit money into their account via TT.

This post has been edited by Gen-X: Sep 6 2012, 05:55 PM

Hi all.. need advise on my first cc..

1. Annual Income: 30K (started working with current salary 8 months ago)

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Petrol (mostly SHELL), Online shopping, Groceries

4. Existing credit cards if any: Nil.

5. Looking at CC from: Anybank

6. Others: Good credit limit coz dont really like shopping, but when do always on pricy thing.. e.g pc hardware part, SSD

7. Fixed expenses per month with the card: Not sure yet.

8. Non-fixed expenses but recurring in RM: Touch n GO RM150, SHELL RM 250, ASTRO RM140, UNIFI RM 140.

Thanks in advance.

Bro, since your expenses less than RM1K, look into Free For Life Maybankard 2 Cards (click on the link 2 post above); but better check you Shell station accept AMEX or not. With the MBB 2 AMEX, you will earn 5X Treats Points everyday and 5% cash back on Saturday and Sunday. However, except for petrol you might not (does not mean cannot) earn the 5% cash back for AStro or Unifi because it depends when the process you transaction. As for TnGo, go to TnGo Thread to see where you can top up using AMEX or just the Visa or MasterCard that comes together.

As for credit limit, since you are earning below RM36K/year, based on BNM guidelines, your credit limit shall not be more than 2X your monthly salary.

When you earn RM36K per year, go apply for the OCBC Titanium MasterCard.

edit..sorry about that

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Added on September 7, 2012, 12:02 pmNO... unless u got Big Amount $ inside your account min $200,000....
then maybe the bank will offer you credit card...

This post has been edited by fly126: Sep 7 2012, 02:11 PM

Good plans bro. Thanks for that. You are a living credit card bible. LOL. Maybe the fourth and fifth solutions will be the best for now. Seems fairly convenient. By the way, you seem to know Melbourne quite well.

Hi.. newbie here..

Self-employed, doing a homebased business from november 2011.. registered a company at april 2012.. no tax declared.. Only got statement from current account (maybank) start april 2012 under company name (enterprise).. how to know my annual income from the monthly statement? credit? debit or ending balance?

I wanted to buy an iphone+plan using EPP plan, and some how it direct me to CC..

Please guide me, and please let me know what info do you need to see if I eligible to apply a CC..

Thanks guys

Go talk to Maybank or any bank and see if they will accept your monthly bank statements as proof of income.

which card gives more rewards/rebates/benefits for overseas expenditure?

This post has been edited by TSOM: Sep 11 2012, 09:47 AM

Citi Bank offers 50% rebate on first purchase for new card application. Max rebate RM250. Application before 30th September 2012

pls advise.
currently on hand i've a Citibank clear card.
i'm looking for a secondary CC which offers rebates(petrol and maxis bill).
also..which offers balance transfer with a low interest. (want to BT to my citibank CC).

Income per annum: RM36k+

OCBC Titanium
UOB ONE also not bad

thanks!! i'll check that out.

It is normal for them to call your house and office to verify you actually stay in that house and work in that company. Mobile phone as it implies, movable, bank is concern on how to track down a person if he/she does not stay in a permanent place or actually work in the company which you have reported.

I was once working just a few days in a credit card promoter company. The agents are interested only in the commissions and will falsify the income etc. You were be surprised what are the wonder they did just to get you the credit cards.

Nowadays, the banks are smart. Those having road shows at the mall will check or print on the spot, your EPF contribution to verify your income.

UOB One card is good card for petrol. 5% rebate any brand but for BHP is (5+2)%. There are also other rebate at Sushi King etc.

I used OCBC Titanium Cards for my telco, utilities bill, assessment etc. Easily used up the RM50 max rebate.
UOB One card is my petrol card and back up by Citi Cash back card when reaching the UOB petrol rebate limit.