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

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B u B u
post Sep 25 2012, 10:29 PM

chill
******
Senior Member
1,479 posts

Joined: Nov 2008


I definitely meet the required income, but the problem is I've been working for only 3 months, right after my graduation. Am I eligible for a CC?

Want the CC to do installment on my upcoming major car service, cinema (atleast once a week with my partner), RM200 insurance, and lastly must be convenient to pay the CC bill, like M2U or RHBnow. Want to build up a nice credit record so next time apply housing loan or etc also easier.

Yes to free annual fee.


TQ notworthy.gif

This post has been edited by B u B u: Sep 25 2012, 10:30 PM
B u B u
post Sep 26 2012, 09:15 AM

chill
******
Senior Member
1,479 posts

Joined: Nov 2008


QUOTE(Gen-X @ Sep 26 2012, 07:02 AM)
» Click to show Spoiler - click again to hide... «
Firstly thx for your help.

Just to provide more info...

Annual income minimum 32K, but depending on commission I get, it might go up to 40K per annum..

Actually I've accumulated about 10K of cash for the past 3 months, but I don't want to spend 1 lumpsum straightaway for my car service, because the service cost 3K+- (Major service). Although I have enough cash to pay for that, but I am hesitating to spend that 10K incase any emergencies happen, I have enough cash to fix the issue...

Lastly Petrol fully paid by company...

TQTQ for ur help notworthy.gif
B u B u
post Sep 26 2012, 11:31 AM

chill
******
Senior Member
1,479 posts

Joined: Nov 2008


QUOTE(Gen-X @ Sep 26 2012, 10:09 AM)
» Click to show Spoiler - click again to hide... «


Wow bro thx for the prompt and detail reply.

Erm...so do u think I'm eligible for any CC? Cuz I jz worked for 3 months...

TQTQ
B u B u
post Sep 26 2012, 09:53 PM

chill
******
Senior Member
1,479 posts

Joined: Nov 2008


Guys want to ask something...

Say every month I have RM400 of petrol allowance, but this RM400 is not given to me in monetary term, but a Shell Card with RM400 credit it in. Should I factor in this RM400 when I calculate CC required annual income?

TQ

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