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

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StarSaber
post Apr 8 2011, 04:56 PM

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Junior Member
75 posts

Joined: Dec 2010
1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate, AirMiles, Overseas Transactions, emergencies, etc.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: CIMB, Maybank, OCBC & Ambank.

6. Others: Previously own RHB Evo Visa & Mastercard but max out until blacklisted. Have clear the payment on Jan 2010.

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

StarSaber
post Apr 9 2011, 01:17 AM

Getting Started
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Junior Member
75 posts

Joined: Dec 2010
QUOTE(Gen-X @ Apr 8 2011, 07:20 PM)
For petrol, cash back and overseas transaction. the Maybankard 2 Cards is good.
But since you spend less than RM1K per month, OCBC can be considered too except that for overseas transactions their rate is higher.

As for Air Miles, I think someone asked before and there's isn't one that have free annual fee. Anyone else got idea on this? Also most air-miles cards have higher annual income requirement. Are you willing to consider RHB Travel Money? click here to read more about it. this card got cash back for petrol too.

As for your credit records, it has been more than a year since you settled, do less us know if the banks reject your application.
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Thanks for the Reply Gen-X

I also keen to apply the maybankard. Will consider on the ocbc tho.

Somewhere in july 2010, i did try to apply for a new cc. However, rejected. Maybe bcoz of my mistake to apply 3 to 4 cc at once. Thinking if 1 bank reject, then there's still others that may have chances. But it seems that the banks know that i apply a few cc & so they reject my application.

Or maybe in ccris record, due to the rhb cc card issue earlier, my record gone bad.... Do u have any opinion about this?
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