1. You can always go settle your installment plan (partially or in full) and free up your available credit limit.
2. BSN and CIMB card any good? I guess you can answer yourself - for emergency cases, does it make any difference to you? Come to think of it, for emergency case, maybe better to get a non-Islamic card to ensure that your card will be accepted for any type of transactions anywhere on earth.
To All Newbies:

observe the above scenario, which is very common among us credit card users (including me) -

1. We all initially choose a card that can benefit us. In above example, the OCBC TMC was chosen because it offers 5% cash back for our expenses required for our daily survival, i.e. Petrol Dining, Groceries, Utilties Bills and Telco Bills.
2. But with free easy credit, we go buy stuff (that is not required for our daily survival) we otherwise would not with cash (as we will think twice before we go burn RM8K cash we are holding in our hands, example above massage chair).
3. 0% Installment Plan is not FREE money but a debt you need to repay.

Conclusion - most people with credit cards will end up spending more that those using cash to pay for stuff.

Once again, if you do not have savings and the cash to pay for stuff, DO NOT sign up for a credit card. And for those of you wanting to sign up for installment plan - click here and read my article 0% Installment Plan with Credit Card - It IS A Trap.

To All Newbies:

observe the above scenario, which is very common among us credit card users (including me) -

1. We all initially choose a card that can benefit us. In above example, the OCBC TMC was chosen because it offers 5% cash back for our expenses required for our daily survival, i.e. Petrol Dining, Groceries, Utilties Bills and Telco Bills.
2. But with free easy credit, we go buy stuff (that is not required for our daily survival) we otherwise would not with cash (as we will think twice before we go burn RM8K cash we are holding in our hands, example above massage chair).
3. 0% Installment Plan is not FREE money but a debt you need to repay.

Conclusion - most people with credit cards will end up spending more that those using cash to pay for stuff. [/url]

Is there any Visa cc that offer free lifetime annual fee beside of MBB 2 cards coz I already got them (Master+Amex) or can I apply for the same package but this time Visa+Amex

Is there any Visa cc that offer free lifetime annual fee beside of MBB 2 cards coz I already got them (Master+Amex) or can I apply for the same package but this time Visa+Amex

1. Annual Income: RM33k
2. Free Lifetime Annual Fee: Preferably yes.
3. Card required for: Most of it for petrol and bill payment, restaurant and grocerries (jusco, giant, tesco).
4. Existing credit cards if any: Nil.
5. Looking at CC from: Any
6. Others: i dont own a CC before this. please advise

1. Annual Income: RM 192,000 per year (serious)
2. Free Lifetime Annual Fee: well..it good to be waived.
3. Card required for: petrol(shell), and others benefits me
4. Existing credit cards if any: Debit only..
5. Looking at CC from: any
Any card would suit me? 

Bad news is that Maybank2 card Amex no longer offer 5 times point for education and government related service fees from 2013 onwards, only 2 times point.....please take notes

Really? Can attach the source link?

Hi everyone,I would like to apply credit card but I don't know how to choose it.

Can someone tell me which is the best credit card offer in the market?

The opinion from you all is highly appreciated..