Usually 3-10 Working Days...

Which bank?
Citibank is one week.

1. Annual Income: RM24K (Basic Salary rm2000/month..netpay rm1780/month)

2. Free Lifetime Annual Fee: dont mind

3. Card required for: buy new smartphone, petrol, groceries

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Dont know

6. Others: I want to get a credit card for installment plan and for petrol and groceries every months. I have applied for maybank and citibank..both got rejected.

7. Fixed expenses per month with the card: RM300 petrol, RM150 groceries & shopping, RM100 Telco.

Try to Apply RHB Travel Money or Hong Leong Mach Card, GEN-X also Recommand this Two...
Actually, quite Good Benefits of this 2 Cards
Maybank, U need min. Salary of $30,000 p.a to have their Credit Card & for Citibank maybe More or Less will reject U on your 1st CC Application...
Btw, How long You been keluar Kerja...usually the Bank suka reject people yang baru keluar Kerja or not more 1 Year or No Credit History lol...

Anyway, TRY to Submit latest 3 months Bank Statements (which Your Salary go to that account) together with your Income Documents on
Your Next Credit Card Application... (I Try THIS Before & it Works)

This post has been edited by fly126: Oct 25 2012, 04:34 PM

Maybank

1. Annual Income: RM50K+

2. Free Lifetime Annual Fee: Prefer free lifetime annual fee

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas and Online Transactions

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybe from HSBC/Citibank/CIMB

6. Others: Reasonable interest rate

Appreciate if somebody could advice me on this

This post has been edited by crypthis: Oct 28 2012, 08:18 PM

If you try to accumulate the debt, my suggestion is to stay away from credit card.
We do not interested to pay interest to bank.

maybank just called me and they want me to come to their branch tomorrow..saying that i forgot to sign the declaration form.I'm pretty sure that i signed that declaration form.Any hidden agenda from maybank calling me to come to their branch? hahha..were hoping that im getting approved and can collect the card tomorrow..hehehe..(finger crossed)

gee, thanks for even bother to reply

1. Annual Income: RM18K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Medical, Backup(for emergency use).

4. Existing credit cards if any: Nil.

5. Looking at CC from: Not sure. But i have bank account at Maybank and CIMB.

6. Others: I heard form someone, can get easy house loan approval if we having credit card.

Can any sifus here advice what the best for me.

Thanx.

1. Annual Income: rm36000 per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: mostly for petrol, but probably some shopping and emergency situations

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank, preferably Islamic type

6. Others: i doubt that I will use my CC so much. If I don't use it, is there any bank that offer 0% interest rate?

Thanks

1. Annual Income: RM30K to RM36K
2. Free Lifetime Annual Fee: A must but no also can.
3. Card required for: Petrol, Groceries, Cash Back/Rebate, Overseas Transactions, Installment Plans
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Suggest me
6. Others: I want the islamic 1. what is difference between islamic or conventional 1?
7. Fixed expenses per month with the card: <RM1000

Please recommend me. Thanksssss..

This post has been edited by zr125: Oct 31 2012, 08:41 AM

1. Annual Income: RM90k - 100k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, F&B, and just in case i need to travel for business trip.
4. Existing credit cards if any: Maybank 15k cc limit UOB 5k cc limit. No debt in both though clear off all
5. Looking at CC from: Not sure.
6. Others: I'm pretty sure i want to cancel mine for Maybank CC. I don't see much benefit unlike my UOB one card. Monthly rebate around 20bucks on petrol itself.

You may upgrade Maybank card to mbb2 cards. Free annual fees. Earn 5% cashback + 5x treat points if spend on weekend.. Pls refer to Mbb2 thread for more information...

You can also consider Ocbc Titanium card, will give 5% cashback anything for bills, petrol, grocessry, dining...
others transaction will be 1% cashback...

Thanks bro. WOW OCBC Titanium card sounds interesting. Will look at it.

Another point to add.
Both cards having cashback cap at rm50 per month.
For 5% cashback, you will only get cashback for rm1k spend.
For mbb2, you will still get 5x TP afte rm1k spending.

But keep in mind x5 TP is only for MBB2 Amex. MBB2 visa or mastercard only x1 TP

CC interest rates are pretty much standard across all banks - It is roughly 15%p.a. ~ 18%p.a/1.5% per month
You asked to be referred to a "Reasonable interest rate" card and you'll raise red flags.

If you pay your bill on time every month promptly, would there be a need to bother about the interest rate ? The senior folks here (including myself) are likely to direct with their answers ~ we don't sell credit cards nor we have any interest to thus we'll be frank about card products. And while we share stuff/info about credit cards, we don't spoon fed nor we advocate debt building using credit card.

I have both MBB 2cards and OCBC Titanium, maxing the cash rebate for my utilities, petrol and etc. Planning to buy electrical appliances for new house later probably about 10k-30k. Which credit card offer the best cash rebate or 0% EPP other than MBB Amex?
Thank you.

This post has been edited by codeiki: Nov 3 2012, 10:47 AM

hi experts, need some advise from u guys since i don't have any experience using cc.

annual income: RM48 to RM60K

Free Lifetime Annual Fee: no.

Card required for: Petrol, Cash Back/Rebate Only, Installment Plans.

Existing credit cards if any: Nil.

Preferred Bank or Considering CC from banks: Not sure.

Others: Actually I want to have a credit card because my wife is pregnant and i worried that i dont have enough money to pay for hospital charges. so, i want to have a cc as a backup incase of emergency and i might as well use it for petrol,cash back and installment plans.

Fixed expenses per month with the card: RM350 petrol, RM200 Dining

Non-fixed expenses but recurring in RM: RM1600 for housing loan monthly, RM2K for new gadget.

thanks guys!