Hi all,

Please advice

1. Annual Income: 40k

2. Free Lifetime Annual Fee: waive with 12 swipes

3. Card required for: cc used for oversea spending (company trip), lower conversion rate, and safety

4. Existing credit cards if any: none

5. Looking at CC from: Any bank with good customer service

6. Others: i wish for a bank, if there is fraud on the card or transaction above a certain amout, they will call me and ask for my permission to approve the transaction. I highest piriority in a cc is the safety.

Thanks
Equal