that's true
it is up to ur decision
for me i written it as for mbb2card gold application only on all the document
if u wanted CC i'm afraid that's the only way u can do

Well, thanks for the advice, so I would just draw a line across from bottom left to top right with a blue pen and write for maybankard2 application xx/08/2011.

Hopefully I will be able to go and apply for my CC this Friday

Hi Guys

I am from east Malaysia. Currently, I am only using Maybankard 2 platinum (Master/Amex) and I found out that beside Amex done a good deal on petrol, Watson, guardian and hotels, It is very hard for me to fully utilize the card's benefits(in term of cash back and points) at my area here. I ever think of to get OCBC titanium as it was highly recommended throughout the forum but then after gone through the merchants lists, 85-90% of the merchant are not applicable at my area as well.

I would like to have some recommendation on the 2nd CC that I am going to apply. All your comments are greatly appreciated.

Below are some of my information

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must. (Free/waiver for GST if possible)

3. Card required for: Basically everything (e.g: insurance, petrol, groceries etc)

4. Existing credit cards if any: RHB Classic (plan to cancel soon), Maybankard 2 platinum(master/AMEX)

5. Preferred Bank or Considering CC from banks: any

6. Others: Getting a replacement for my RHB Classic either it will be come my primary CC or secondary depends on the card's benefits. I am doing full payment on statement balance monthly

7. Estimated Spending per month with the card: RM1K-RM2k


This post has been edited by virgoguy: Aug 23 2011, 10:40 AM

hi there,

please advise on my second credit card choice.

1. Annual Income: RM48 to RM60K.

2. Free Lifetime Annual Fee: Must.

3. Card required for: Heavy usage on Petrol, Cash Back/Rebate Only, Dine-in, gadget shopping , automotive shopping.

4. Existing credit cards if any: Eonbank Platium.

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

6. Others: Please be specific. Example: I only want to pay amount due with my RHB online savings account or transfer payment & I want cash back only and no reward points.

7. Estimated Spending per month with the card: RM1K to RM5K.

Hi, the list is not exhaustive. For your info, 5% is given for groceries, utilities, dining and petrols transactions.

Noticed a couple of recent post did not follow the given guidelines / templates.

The contributors here spend a lot of efforts to contribute to this thread and not to mention spending a lot of brain power to put things together in order. At least appreciate them by spending time to follow the given template.

Urgent / quick request will be urgently/quickly deleted (for whatsoever reason the writer gave) as they don't respect the contributors and readers here.



This post has been edited by hye: Aug 23 2011, 01:20 PM

may be u can conisdered ocbc titanium mastercard or uob 1 card both also came with cash rebate

refer to their respective thread for more detail

ocbc titanium mastercard or uob 1 card might be a good choice

refer to their respective thread for more detail

1. RM30K to RM36K

2. Free Lifetime Annual Fee: A Must.

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

4. Existing credit cards if any: PBB & AEON.

5. Preferred Bank or Considering CC from banks: Maybank / Easy online.

6. Others: Please be specific. Example: I only want to pay amount due with online savings account, I also want cash back and reward points.

7. Estimated Spending per month with the card: RM1K to RM5K.

i think for ur salary group only entitle to max of 2 CC
u will need to cancel either one before u can proceed for new application

mbb2card might be a good choice amex provide 5x TP plus with 5% rebate(on weekend only), while mastercard provide with 1xtp to be use at places where does not accept amex

hi there,

please advise on my first credit card choice.

1. Annual Income: RM35 to RM40K.

2. Free Lifetime Annual Fee: Must.

3. Card required for: usage on daily item, dining, shopping, else spending (1 card for all) .

4. Existing credit cards if any: PBB dayd 2 day debit card

5. Preferred Bank or Considering CC from banks: please suggest. i know you will recommend ocbc titanium card but ocbc far from me

6. Others: Please be specific. Example: i want one CC that good for me to use. currently i using my pbb debit card. kindly enlight me why should i need a credit card

7. Estimated Spending per month with the card: RM1K +/-.
*

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Added on August 24, 2011, 1:58 ampicked uob one card ( classic) via online... is it ok? thanks anyway

This post has been edited by xproc: Aug 24 2011, 01:58 AM

uob one card may be a good choice with up to 5% cash back and earn smart cash with participate outlet

which one better? ocbc titanium mastercard or uob 1 card?

well it really depend on your spending style

for more info you can always refer to their respective thread available in LYN

full information you can get from there

Hi, quickie, can I apply Maybank CC during the weekend? Or must it be on weekday? Cause tomorrow got extra 2 meeting liao.. zzzz

well why don you just call them up to get ur confirmation?

The difference between credit card and debit card is that Credit Card is for those not having cash in their CASA account.

Actually PBB Debit Cards do give you cash back and you also enjoy discount at merchants like Credit Cards.

However, having a credit card (especially higher end cards) do have some benefits like Travel Insurance when you purchase air tickets (not all credit cards oofer this), protection plan against theft and damage (once again not all credit cards offer this), free Golf Green fees, Access to Airport Lounge for free food and booze and etc. For your case, I guess the UOB One Card is okay for you since you'll get guaranteed 5% cash back for ALL Petrol station and 2% cash back at hypermarket.

Another advantage of having credit card is if you spend a lot, in addition to earning reward points to redeem for stuff, your money money can be invested in some financial instrument instead of it sitting in CASA and earning negligible income. If you know how to time you use purchase, you can have up to 40 days interest free credit to utilize.

Also look into OCBC Titanium MasterCard where you get 5% cash back for Dining, Petrol, utility( TNB, Telco, Astro) and Groceries.

Click here to read my article Top 10 CC in Malaysia to see the difference in card benefits.

One thing I can tell you is that calling your PBB Debit Card Customer Service, sometimes you'll be put on hold like forever but not the case for higher end credit cards where there are dedicated Tol Free lines.

This post has been edited by Gen-X: Aug 26 2011, 10:13 AM

All forumers can apply Mbb cc from me, expecially for urgent application . I can recommend for faster approval .

if salary not reach the requirement, can settle it?

1. Annual Income: 33k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mostly used at restaurants and occasionally pubs/karaoke

4. Existing credit cards if any: Mb2 card(master+amex)

5. Preferred Bank or Considering CC from banks: Citi or any other

6. Others: Need a backup for the mb2card cos CL is low. My entertainment claims are quite high.

7. Estimated Spending per month with the card: 2k-5k if needed, below 1k if not needed.


Thanks

MBB 2 Amex is great if the pubs and karaoke you go to accept them, get 5X TP very fast

For restaurant Visa/MC better chances of being accepted, if you need a card for Ptrol, then it is easy I'll recommend UOB One Card. But since that is not your requirement, I guess apply for a card that is most convenient for you to make payment.

Click here to read my article The Best CC in Malaysia. Is There Really One? In this post I mentioned card that offer free annual fees with and without conditions.

As for you wanting Citibank, get the Clear Card as it is more a lifestyle card where you get free movie tickets at all the 3 cinemas on Fridays (click here to read about it) and also some promo at Zouk. Click on this link and from this post go click on the link to Citibank Promotion and see if they interest you.

As for low credit limit, you got to understand that BNM ruling is that for those earning less than RM36K, the banks are suppose to limit it to not more than 2X your monthly salary. So therefore even if you get another card, the credit limit will still be low. So you should also get a Debit Card for emergency and if you really really spend a lot, look at Alliance Debit card where you can get cash back. But I must warn you, Alliance Debit cards cannot be used for online.