Recommendation for Credit Cards V1

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

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allenultra	May 11 2011, 10:17 PM Return to original view \| Post #1
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	1. Annual Income: Around 80k/year 2. Free Lifetime Annual Fee: Preferable, if 3. Card required for: Petrol (Pumping at ESSO, consider to try BHP soon) Cash Back/Rebate, Life Insurance Payment, Casual shopping, Dining (Heard some cards can get discount at San Francisco?), TGV movies 4. Existing credit cards if any: Hong Leong Essential 5. Preferred Bank or Considering CC from banks: Not really particular to bank though, as long as the benefit is good, I'm free to choose any of them 6. Estimated Spending per month with the card: Around RM1k to 2k. Pay my "debt" pretty fast, usually b4 the mid of every months. This post has been edited by allenultra: May 11 2011, 10:24 PM
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allenultra	May 12 2011, 09:51 AM Return to original view \| Post #2
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	» Click to show Spoiler - click again to hide... « QUOTE(Gen-X @ May 12 2011, 08:05 AM) If you like only spend RM1K per month, your HLB essential won't be earning you much. And therefore, like chemistry mentioned, get OCBC Titanium as you be getting 5% cash back for Petrol and Dinning. As for San Francisco - you talking about Steak House or Coffee? If Steak House, CIMB cards do offer discount until end of the year. If you can switch from TGV to GSC, then with CIMB VISA cards you can get free tickets. Click here to read more about CIMB Promotions.. So, if you willing to go to GSC, then try apply for CIMB Visa Signature as you'll get more discount at San Francisco Steak House versus Platinum. Read previous post in this thread where I gave contact number for CIMB Credit Card centre at Sunway where they can issue Premium cards on the same day - call them up and ask about Visa Signature and tell them your HLB CL and annual income. Only set back is CIMB cards do not have cash back but you can redeem your points on the spot at KFC. If you can only go to TGV, then Citibank Clear Card gives you free 1 for 1 ticket at weekends. click link to Citibank Promo below. Once again no cash back but you can redeem your points for ticket at TGV. http://www.citibank.com.my/english/promo/tgv_promo_11.htm Now you mentioned that you spend RM1 to RM2K, take away the insurance and petrol (check if your BHP accept AMEX, ESSO should) portion, if amount is still above RM1K per month, then look into getting Maybankard 2 cards too where the MBB 2 AMEX gives you 5% cash back on weekends and 5X Treats Points every single day. Go to Places that Accept AMEX Thread to see if you benefit from using AMEX. Well including insurance payment everything, it shall above 2k though but not by much. As I allocate quite a sum of money for my tuition fee and saving. Ya, was talking about the SteakHouse. Coz I remember when I went there, the staff said with CIMB card can get some discount. Ipoh GSC sux but its cheaper than TGV somehow, no online booking either. Take away insurance + petrol, I might still able to meet the 1k mark. House utilities bill already gather most of the 1k quota.
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allenultra	May 12 2011, 09:57 PM Return to original view \| Post #3
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	QUOTE(Gen-X @ May 12 2011, 11:41 AM) Then you definitely need to get another card on Top of OCBC TMC as the cash back is capped at RM50/month or spending of RM1000 for 5% cash back (Petrol, Groceries, Utilities and Dining). Insurance - HLB Essential (but you got to go work out if the returns is more than GST) OCBC TMC - Petrol, Groceries, Dining and Utilities - 5% cash back better than HLB Essential where petrol you get nothing. MBB 2 Amex - places that accept AMEX on weekends and get another 5% cash back. Even on weekdays, still get about 2.5% in returns. I'm paying quite a lot insurance/saving to HLA every year but to go work out if the return is more than GST? Care to enlighten me. I'm paying like 10k a year into insurance. Will apply OCBC TMC and MBB 2 Amex ASAP
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allenultra	May 12 2011, 11:35 PM Return to original view \| Post #4
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	Gen-X, will take ur suggestion into consideration. I think its better for me to apply the card ASAP, and monitor the card usage behaviour for at least 2 months, then I shall know how to allocate those insurance payment to which card.
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allenultra	May 27 2011, 11:46 PM Return to original view \| Post #5
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	» Click to show Spoiler - click again to hide... « QUOTE(lohmaikai @ May 27 2011, 10:46 PM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol(shell), Restaurants 4. Existing credit cards if any: Nil. 5. Preferred Bank or Considering CC from banks: Considering citibank shell but need annual income 36k which im below 6. Others: Main reason i want a card is for convenience at shell. I drive around alot (800-1k petrol/month) and my job requires me to entertain ppl to lunch/dinner. Its a hassle always keeping 1k+ cash worrying not enough to pay at restaurants. 7. Estimated Spending per month with the card: minimum 1.5k up to 3k+ Please advice if its possible to get the shell citibank gold or a better alternative to that. Also my parents are shell citibank gold holders, is it easy to supp me a card?or can they reference me? OCBC Titanium MasterCard & Maybankard2 AMEX Gold The cash rebates, treatpoints from these cards should fit ur monthly expenses well. Get the bonuslink card for your fuel purpose to maximise the potential benefit.
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allenultra	Sep 13 2011, 09:24 PM Return to original view \| Post #6
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	1. Annual Income: RM 80k 2. Free Lifetime Annual Fee: Must. 3. Card required for: Petrol (BHP, my nearby branch don't accept AMEX), online payment which dun accept AMEX as autodebit (insurance premium etc) 4. Existing credit cards if any: MBB 2 Platinum, HLB Essential 5. Preferred Bank or Considering CC from banks: Anything better which than HLB Essential 1% unlimited cash rebates, plan to cancel this card. MBB Mastercard 1x treatpoint not attractive enough when AMEX not being accepted. 6. Others: Not able to get OCBC Titanium Mastercard as I was told they are very strict with new applicant (I got my first credit card early of the year, Standard Chartered and OCBC said my record was too CLEAN to begin with) 7. Estimated Spending per month with the card: RM1k to 2k This post has been edited by allenultra: Sep 13 2011, 09:28 PM
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allenultra	Sep 14 2011, 10:16 AM Return to original view \| Post #7
Look at all my stars!! Senior Member 9,027 posts Joined: Jan 2003 From: Ipoh	QUOTE(Gen-X @ Sep 13 2011, 10:21 PM) BHP - get UOB One Card and earn 2$ SMART$ cash + BHP points 0.9% + 5% from UOB One Card, check out Petrol thread BUT downside insurance only 0.3% So compare it with HLB essential and see the diff. If not mistaken, HLB Essential no cash back for petrol. Also check out the following articles im my blog. Best Credit Card in Malaysia for Petrol and Movies Revamped UOB One Card - It's A Pure Cash Back Credit Card. In this artilce I did a table to compared the difference in cash back from various cards. Since you say your record is clean (and subjected that you can prove your income) why don't you write an appeal to OCBC, nothing to loose but 5% cash back to gain for Petrol and dining and utilities There is no such thing as too clean record. Maybe it has something to do with other criteria like your nature of work. Maybe I shall an appeal letter to OCBC back then. I paid my income tax, class 2 occupation. I should be very much qualified but they already rejected my application twice. Again, I dun really need more than RM600/month for petrol, UOB might fit the bill if I can't get OCBC. HLB essential 1% might seem very little but since with unlimited cash back, it might come good if I use up my MBB2/UOB monthly cap. This post has been edited by allenultra: Sep 14 2011, 10:49 AM
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