my plat card CL is also 6k. maybe because im young (23)

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Added on August 16, 2011, 10:45 amHi Gen-X

Kindly advise which card should i get


1. Annual Income: 48k

2. Free Lifetime Annual Fee: A Must

3. Card required for: most important will be cash back. i dont need points

4. Existing credit cards if any: MBB AMEX Gold, HSBC Visa, Master Gold, HSBC Amanah MCard Plat

5. Preferred Bank or Considering CC from banks: nil

6. Others: if possible, i want cash back only with no reward points

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

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Added on August 16, 2011, 11:21 amyeap but it is getting more and more accepted in MY now. try to get at least 1 more visa/master if u r using AMEX alone. just in case they dont accept

This post has been edited by Frostlord: Aug 16 2011, 11:21 AM

1. Annual Income: 50k

2. Free Lifetime Annual Fee: Must. if with conditions (eg swipe 12 times/year) also can

3. Card required for: online purchases

4. Existing credit cards if any: AMEX Gold, Citi CB, and 3 more cards that im cancelling soon (HSBC Mpower, HSBC Gold, UOB One Card)

5. Looking at CC from: any bank. preferable from existing bank so that i dont need to submit income info again (HSBC, MBB [AMEX], Citi)

6. Others: most important can provide CL of 1-2k and no combined limit with other card. preferable rewards on online and oversea transaction.

This post has been edited by Frostlord: Aug 16 2012, 05:24 PM

what i want actually is a normal card for online shopping usage. preferable if the card have benefits on online/oversea shopping but if dont have also ok

the hardest thing is to get CL of rm1000-rm2000. i want 2k max CL for security reason only. just in case the card got compromised

all my current cc bank reject my application to decrease the limit

i dont want debit card because it will link directly to my saving account

i see i see

thanks

will go to PBB and check out their DC later