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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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alexwsk
post Aug 19 2011, 03:52 PM

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QUOTE(NoiZy @ Aug 19 2011, 02:13 PM)
Ok, so basically MBB2card, one of it is AMEX and the other is Master/Visa.
AMEX earn 5X TP and 5% Cash back (weekends only, cap RM50/month)
Visa/Master = useless

What do you mean by RM1,000? Meaning if I spend lesser then RM1,000/month, I won't be entitled for the 5% cash back of RM50  which is RM2.50?
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please refer to the dedicated thread here
you'll get the 5% on weekend nonetheless
alexwsk
post Aug 22 2011, 04:56 PM

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QUOTE(NoiZy @ Aug 22 2011, 02:21 PM)
Do I need to slash out in blue pen for example **Application for Maybank CC date** on my IC, payslip and epf statement?
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better do it on the IC, the rest is up to u
alexwsk
post Aug 22 2011, 08:30 PM

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QUOTE(snigapoe @ Aug 22 2011, 07:34 PM)
up to you
for me i did slash on all the doc i submitted for application tongue.gif
but at the bank the officer did still chop for maybank use only
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even though for maybank use only, still can use for many types of applications
alexwsk
post Sep 27 2011, 10:01 PM

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QUOTE(cplow1 @ Sep 27 2011, 09:31 PM)
1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: redeem stuff, discount.

4. Existing credit cards if any: Maybank visa

5. Preferred Bank or Considering CC from banks: Any; open to suggestions

6. Others: The maybank treats point sucks.

7. Estimated Spending per month with the card: around 2k

Thanks!
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easiest is to call Maybank and ask them to issue you Maybankard 2
else consider uob one

This post has been edited by alexwsk: Sep 27 2011, 10:05 PM
alexwsk
post Oct 17 2011, 11:37 PM

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QUOTE(-Franc- @ Oct 17 2011, 07:05 PM)
hmm..
i was thinking about this 3 cards, OCBC Titanium Vs Maybank 2 Gold Vs UOB 1 Card
which one is the best by looking at my criteria as quoted above ?
any opinion?

or there is another option?  unsure.gif
*
30k not qualified for ocbc titanium
u can try M2 Gold
alexwsk
post Oct 24 2011, 03:50 PM

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QUOTE(dinkong @ Oct 24 2011, 11:33 AM)
1. Annual Income: rm24k++ per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: instant cash but pay monthly/petrol/online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank seems im in kuala lumpur

6. Others: actualy i want to make a personal loan, but most of the bank rejected me coz i dont have any commitment. is there any solution about my financial?
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if you plan to do cash advance, please do not apply cc
the interest is high
alexwsk
post Oct 29 2011, 10:09 PM

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QUOTE(terabbas @ Oct 29 2011, 06:55 PM)
i'm decided to use my OCBC Titanium card for daily retail spending, so i wondering is there any extra charges/hidden fees on my daily spending? assumed i settled my statement balances on time^^ TQ
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no extra charges
alexwsk
post Nov 13 2011, 10:19 PM

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QUOTE(FD2r @ Nov 13 2011, 09:06 PM)
Hi gen-x,

Apologize for not using template, reason of asking coz need a card(which provide great cash back w/o cap) to make big amount single purchase.. Currently own mbb 2 card, cimb platinum, OCBC titanium, scb justone. Need a card to replace justone coz it gonna 'expired' soon.. Looking at the card I m holding, u should know each card serve diff purpose... Ha.. But, will need a high cash back card w/o cap and accepted by most shop real soon.... Thanks..
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so that one big amount can't swipe using M2 AMEX?
alexwsk
post Dec 6 2011, 10:25 PM

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QUOTE(opera33 @ Dec 6 2011, 10:14 PM)
Basic Salary of 2.6k, but I'm required to pay for car loan, monthly of RM8xx, am I still eligible to apply for the credit card?
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should not be a prob, else just apply from the bank where your car loan is
alexwsk
post Dec 19 2011, 11:03 AM

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QUOTE(calcom21 @ Dec 19 2011, 07:19 AM)
Hi Any cimb agent here? Planning to balance transfer my o/s from another bank o CIMB. Is the 6mths 0% interest is still applicable? wanna do it before end of this month. Possible? Can call me at 016-2635271
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you shud go to the bt thread doh.gif
and you don't need an agent to do bt
alexwsk
post Jan 21 2012, 11:53 PM

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QUOTE(Osho @ Jan 21 2012, 08:28 PM)
1. Annual Income: RM24K to RM30K per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: petrol, pay digi with balance transfer

4. Existing credit cards if any: only debit card, public bank

5. Looking at CC from: any bank but prefer publicbank

6. Others: -
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since you prefer public bank, go for PB Esso Mobil gold credit card - but only if u pump at esso
else go for uob one classic - annual fee waived with min 1 swipe per month
alexwsk
post Jan 22 2012, 09:04 PM

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QUOTE(Osho @ Jan 22 2012, 12:18 AM)
mean UOB one classic just need to swipe once a month then no fee and no GST rm50?
*
no annual fees, GOT GST
so far only a few banks will offer points to cover the GST
alexwsk
post Jan 23 2012, 11:52 AM

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QUOTE(Osho @ Jan 23 2012, 01:32 AM)
usually how to provide annual income supported document?

form B/BE? or payslip?
*
either one, if payslips normally need 3 months
alexwsk
post Feb 14 2012, 02:17 PM

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QUOTE(samlhc @ Feb 14 2012, 02:12 PM)
1. Annual Income: Around rm30-40k
2. Free Lifetime Annual Fee: Must.
3. Card required for: Petrol rebate / TNB / Govt Tax/ Insurance/Groceries/food
4. Existing credit cards if any: CITI Classic
5. Preferred Bank or Considering CC from banks: Any
6. Others: -
7. Estimated Spending per month with the card: Around RM400 to 500 for petrol only - mostly petronas, ins- 150+, less than RM800 spend on card per month

For UOB One or OCBC Titanium, both has 5% cash back difference are RM30/50 cap.
Both Annual fee waived requirement may achieved, only that OCBC titanium required RM10k spending per year to waived. No idea about UOB.

Kindly advise, thx!
*
both uob one and ocbc titanium is fine for u
btw, ocbc spend 10k pa - you'll get RM50 for the GST, annual fee is waived by swiping at least once a month

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