you are welcome. As alexwsk mentioned you don't need a MBB account and you also mentioned I said so in my blog. For your information, you can apply CC with any bank as long as you meet their annual income, age and credit check requirement.

AS for GST, Maybank not absorbing for new application unless you got a special invitation from them, go read Maybankard 2 cards thread. But HSBC and Citibank are for 1st year. SCB better still, they giving you cash more than the GST to new applicants.

This post has been edited by Gen-X: Apr 20 2011, 05:21 PM

1. Annual Income: 26,400

2. Free Lifetime Annual Fee: Must LOL

3. Card required for: Petrol, online & shopping use, cash back rebate

4. Existing credit cards if any: none

5. Looking at CC from: anyone

6. Others: none

* Been try applied MBB before but rejected cuz not much bank transactions. I got my salary by cash every month. So please advice what cc should i apply. Thanks.

It doesn't matter if you are paid by cash or by cheque or direct bank in. What is important is that you must be able to prove you income > RM2K/month i.e. pay slips or EA form. If you got housing loan or car loan, try that bank. If not try talk to HLB see if you can pledge FD but their cards don't give you anything for petrol.

For petrol, just read previous post #222 and prior to that.

just get a classic card 1st then next year c how

Which credit card company should i apply for your opinion?
Should I still try for MBB?

---

Added on April 21, 2011, 10:27 amSo far i tried only MBB. I heard that EON will be more easier
Any comment?

This post has been edited by Sweetie_Pumpkin: Apr 21 2011, 10:27 AM

From previous forumers opinions, CIMB and HLB easier. U can have a try

so during applying i need to have to open an account with Maybank?
My primary bank is CIMB and it would be a little troublesome to transfer money from CIMB to maybank for payment.

to apply maybank credit card, or even other banks, u no need have an account with them

Thanks for the reply.
May i know how i am going to pay the money every month? Besides going to the counter?

Use their Cash Deposit Machine.
Or u may transfer from other bank, but will be charged.

Ok. I try CIMB.
Thanks

Read the thread below, how did you missed it, it is PINNED!

Click here to read PINNED Thread - Ways To Pay Your Credit Card Bills.

thanks for the link.

1. Annual Income: RM24k - RM30k anually

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only, AirMiles, Acceptable to all malls and restaurants.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Anything

6. Estimated Spending per month with the card: 1k - 5k quarterly.

Please advise, thank you in advance

Please Advise
1. Annual Income: -
2. Free Lifetime Annual Fee: A Must / or waiver
3. Card required for: Accepted widely in electrical shops to do 0% Installment hence Higher CL limit needed
4. Existing credit cards if any: HSBC Gold Visa/Master and Maybank Petronas Visa. Highest CL limit is Hsbc V 12k/M 7.5k/Maybank 6k
5. Preferred Bank or Considering CC from banks: Anything
6. Estimated Spending per month with the card: Flutuates.

Thanks Alot

I have maybank gold cards.. my annual income just short of the platinum requirement. can i appeal?

Can try maybankard 2 gold
http://forum.lowyat.net/topic/1791925

Your case is same as many other where income less than RM30K and want PETROL + CASH REBATE only but then add Air Miles. Just read previous post for my recommendation.

To ALL:
You got to decide, you want Air Miles OR you want Cash Rebate. For Air Miles you have to go with cards that give you reward points, i.e. No CAsh Rebate. And the other thing, people who spend alot benefit from Air Miles, For spending about RM1K a month, you can forget about Air Miles.

This post has been edited by Gen-X: Apr 22 2011, 06:25 PM

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Dining, Groceries and shopping

4. Existing credit cards if any: Shell Citibank silver card (Going to discontinue soon)

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

6. Others: NIL

7. Estimated Spending per month with the card: Less than RM1K

Need your advice, thanks.!

Just to add ... for analysis and informative purposes.
Should anyone is thinking to redeem AirMiles (e.g Enrich), the lowest/cheapest return ticket to Singapore is 15,000.
Conversion to AirMiles depends on the respective bank (e.g MBB 7000 TP -> 1000 Enrich)

(Assuming that I use MBB as my card) Means you need to spend RM105K (105/7=15) before you are able to get that flight ticket to Singapore.
If anyone is thinking to spend RM1K per month, you need to spend consistently RM1K per month for the nearly 9 years before earning that ticket.

Please note that Airline Miles redemption, you are still viable for the Airport Tax and Surcharges. Points multipliers (e.g. MBB2 AMEX) may speed up your points collection.

Good luck!

This post has been edited by hye: Apr 23 2011, 05:34 PM