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

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fly126
post Jun 21 2012, 02:43 AM

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QUOTE(bendonarticx @ Jun 19 2012, 09:21 AM)
Hi. Appreciate if you could recommend me credit card for this purpose

1. Annual Income: 36K

2. Free Lifetime Annual Fee: A Must (Preferable)

3. Card required for: Online purchases (specifically for Xbox Live and Windows phone).

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank (already got account but heard maybank got issue for the purpose I listed above)

6. Others: Just want to ask whether or not it's advisable to open a new bank account just to use the CC. prefer debit card. Also, preferable can do online banking i.e pay the CC bills.

7. Estimated Spending per month with the card: <1k
*
smile.gif Hi, U can try to have
1) CIMB e. MASTERCARD (Prepaid DEBIT CARD)with no PIN.

is FREE FOR LIFE,
can do Online trans./payment, AUTO-PAY bill
just TOP-UP at their Cash Deposit Mac.
can check bal/trans. from the Paper Monthly Statements, like Credit Card
AND FINALLY,
YOUR NAME IS PRINTED ON THE CARD & other CIMB Benefits...


2) CITIBANK VISA DEBIT & ATM CARD (Name printed on Card)

No ANNUAL FEE, Can withdraws cash at CITI ATM Mac. Overseas Free of Charge !
Earn REWARDS POINTS like their credit card ( which never expire), Everytime you shop
With Rewards Points U can Redeem gift, voucher from their catalouge... (For me already redeem a handphone for my mum) tongue.gif

BUT,
U MUST RETAIN A SAVING ACCOUNT AT CITIBANK !!!

This post has been edited by fly126: Jun 21 2012, 02:45 AM
fly126
post Jul 3 2012, 01:33 AM

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QUOTE(vult2res @ Jul 2 2012, 07:54 PM)
yeah, i know. any credit cards that are easy to be approved by the banks?
*
Try GSC-Hong Leong or RHB Travel Money easy to get, now their doing promotion... wink.gif
I get my 1st CC from them based on basic salary 2K only ! , later I have HSBC & Citibank brows.gif

This post has been edited by fly126: Jul 3 2012, 02:18 AM
fly126
post Jul 19 2012, 10:57 PM

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QUOTE(GloryKnight @ Jul 19 2012, 10:49 PM)
if we want to pay digi bills online using CC, we need to apply for the online thing right? i asked mbb CS and they said process ard 1 month..wow==
*
not 10 Working Days...??? rclxub.gif
fly126
post Aug 1 2012, 12:52 AM

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OOOPS... Wrong Place ! should be in Credit Card v.17 Sorry sweat.gif

This post has been edited by fly126: Aug 1 2012, 03:09 AM
fly126
post Aug 24 2012, 12:33 AM

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QUOTE(shuangping @ Aug 23 2012, 07:32 PM)
Thanks for reply.

Actually i'm like MBB DUAL CARD,but i apply so many times,write so many appeal letter oso rejected by them.

Now i'm waiting for OCBC Titanium status.

Diners point will not expiry rite?But AEON point will be expiry.What difference of this two card?

I apply for MACH card is focus on dining and movie.Izit this card not good?

Can gv me some information,if i go oversea,which card is good?For conversion rate.

And how about RHB card?Look like no much promotion.And if we didnt activate the card,izit we need pay for gst also?

Thanks again.
*
For New RHB Card- They give back $50 Cash Back on GST on Their CASH BACK PROMO- 1st Spend
I have 3 Cash Back(GST) with 3 different cards with RHB so far... rclxm9.gif
The GST Cash Back will credit back to your account within 3 months rolleyes.gif
But, if U cancel the card within 1 year, the bank will charge back their GST blink.gif
& NO Annual Fee with min. 12x swipes per year
Quite O.K about RHB Card , got many promotion now...
RHB Friday Special (Buy 1 Free 1 Promotion) at Sushi King, Starbucks, Popular & GSC
U Can have a Check on it.... brows.gif Their Hot Cake: Travel Money Card (Cash Back+Reward Point)


This post has been edited by fly126: Aug 24 2012, 02:52 AM
fly126
post Aug 30 2012, 02:08 AM

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QUOTE(13aby @ Aug 29 2012, 11:40 PM)
Hong leong mach good or not ? Any user for this card here?

Added on August 29, 2012, 11:56 pmGen x . My petrol a month is around rm500 to rm700.  Bout shell gold Card from citi I check my requirement can get it ... Will try this card maybe
*
BUT No Cash-back(rebate) on HL Mach Card blink.gif
fly126
post Sep 7 2012, 11:43 AM

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edit..sorry about that sweat.gif

Added on September 7, 2012, 12:02 pm
QUOTE(kamkemkimkom @ Sep 5 2012, 11:42 AM)
there is another way to get credit card?
*
NO... unless u got Big Amount $ inside your account min $200,000.... brows.gif
then maybe the bank will offer you credit card...

This post has been edited by fly126: Sep 7 2012, 02:11 PM
fly126
post Oct 19 2012, 01:17 AM

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RHB UPDATE
RHB just Relaunch their EVO Credit Card.. smile.gif .
Any New Approval Card will get Offer of: 0% Finance Charges for 1st 6 Months OR $50 Cash Back Activation Programe(till 17 April 2013)
50% Cash Back on Movie Ticket Purcheses(till 18 Dec 2012), Cash Back capped at $50

Key Benefits
. 20% Cash Back* on selected Amusement & Entertainment MCC categories (ie. cinemas, ticketing agencies, bowling alleys, commercial sports, tourist attraction, amusement park and much more)
. 2x Reward Points for all E-commerce transaction and RHB Now bill payment
. The Lifestyle Card which offers “Free for life” concert ticket up to RM 200. [Maximum redemption of 1 ticket per year (worth up to RM200) with minimum spend of RM 20,000 during programme period]
. Stylish and attractive new card face design in conjunction with the relaunch
. Card annual fee waived with minimum of 12 swipes per annum
Notes:
* Maximum cash back is RM50 per month, per customer.
No RHB Reward Points awarded for transactions entitled for Cash Back.

For Further Details: http://www.rhb.com.my/cards/credit-card/cc_evo_main.html#

This Card Benefit Similiar With Hong Leong Mach Card was an Entry Card targeting Fresh Graduate just yang baru keluar Kerja... blink.gif
(There will be Cat & Dog Fight Between RHB & Hong Leong Bank....soon) sweat.gif

Which ONE is Better, Any Comment ...??? rolleyes.gif

This post has been edited by fly126: Oct 19 2012, 11:45 AM
fly126
post Oct 19 2012, 02:21 PM

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QUOTE(haikal87 @ Oct 18 2012, 04:32 PM)
What about HSBC Gold Card?
*
HSBC Gold Card (Reward Point Card) Benefits not Attractive... Compare with RHB Travel Money, Hong Leong Mach OR Citibank Clear Card... nod.gif
If you really need HSBC Card better you get their HSBC Amanah Gold is a Cash Back Card which can Earn You 0.5% Cash Back on Your Retail Expenses... wink.gif
fly126
post Oct 24 2012, 01:00 AM

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QUOTE(onejme @ Oct 24 2012, 12:57 AM)
how hard is it for banks to approve our application? and how long would it take? ive just send in my application to the bank today..hopefully everything is in other and get approved soon..hehehe!
*
Usually 3-10 Working Days... smile.gif
fly126
post Oct 25 2012, 12:16 PM

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QUOTE(haikal87 @ Oct 25 2012, 10:17 AM)
1. Annual Income: RM24K (Basic Salary rm2000/month..netpay rm1780/month)

2. Free Lifetime Annual Fee: dont mind

3. Card required for: buy new smartphone, petrol, groceries

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Dont know

6. Others: I want to get a credit card for installment plan and for petrol and groceries every months. I have applied for maybank and citibank..both got rejected.

7. Fixed expenses per month with the card: RM300 petrol, RM150 groceries & shopping, RM100 Telco.
*
Try to Apply RHB Travel Money or Hong Leong Mach Card, GEN-X also Recommand this Two... thumbup.gif thumbup.gif thumbup.gif
Actually, quite Good Benefits of this 2 Cards rolleyes.gif
Maybank, U need min. Salary of $30,000 p.a to have their Credit Card & for Citibank maybe More or Less will reject U on your 1st CC Application...
Btw, How long You been keluar Kerja...usually the Bank suka reject people yang baru keluar Kerja or not more 1 Year or No Credit History lol... blink.gif

Anyway, TRY to Submit latest 3 months Bank Statements (which Your Salary go to that account) together with your Income Documents on
Your Next Credit Card Application... (I Try THIS Before & it Works) nod.gif

This post has been edited by fly126: Oct 25 2012, 04:34 PM
fly126
post Dec 24 2012, 01:43 AM

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QUOTE(Archer17 @ Dec 24 2012, 01:05 AM)
If my case i only have Rm 18,000 per annum, is there any way that the bank can approve me to get a credit card?? I heard some say with rm 18,000 per annum can qualify. i'm wondering and very curious about this. thank you.
*
$24,000 p.a min. Income Requirement to Qualify a Credit Card was Mandatory Rules from Bank Negara & All the banks Must follow that... sweat.gif
$18,000... PAST tense already blink.gif doh.gif

This post has been edited by fly126: Dec 24 2012, 02:26 AM
fly126
post Dec 31 2012, 01:33 PM

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Sorry, edited... sad.gif

This post has been edited by fly126: Dec 31 2012, 01:47 PM
fly126
post Jan 22 2013, 02:03 AM

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Sorry, Edited sweat.gif

This post has been edited by fly126: Jan 22 2013, 02:20 AM
fly126
post Jan 29 2013, 10:50 AM

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QUOTE(NeoCPS @ Jan 29 2013, 07:23 AM)
Hi all, I'm currently in dilemma, hope to get the right advise and answer from here. I'm thinking apply a credit card but I'm not using it often or consistently. I just want to take this as for petrol refilling and incase I do not have the cash on hand. So I'm preferred not paying the annual fees, which bank should be fit for my requirement?
*
If You have min. Income of $30,000 p.a, Maybank 2Cards was most Recommended & its FREE for Life... thumbup.gif
http://forum.lowyat.net/topic/2641365

Most of the Credit Card now usually need min. 12x Swipes p.a to entitled for Annual Fee Waiver

This post has been edited by fly126: Jan 29 2013, 04:06 PM
fly126
post Jan 29 2013, 09:09 PM

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QUOTE(NeoCPS @ Jan 29 2013, 08:58 PM)
Thanks for your replied, as all of you may knew I'm newbie for this information. Could you elaborate more on what is p.a ? And this sentence? Most of the Credit Card now usually need min. 12x Swipes p.a to entitled for Annual Fee Waiver

Appreciated much, thanks.
*
p.a= Per Annual(Year)
& You need to use Your Credit Card minimum 12 times a Year to waive off the Annual Fee of Credit Card
fly126
post Feb 10 2013, 09:30 PM

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QUOTE(mysara @ Feb 10 2013, 03:33 PM)
1. Annual Income: rm24,0000 per year

3. Card required for: to pay bil

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank

6. Others: if any card that can suit as easy going girl
*
UOB one Card or Hong Leong Bank Mach Card... so Far the Best for Fresh Graduate thumbup.gif

http://forum.lowyat.net/topic/1922946
http://forum.lowyat.net/topic/2421215
fly126
post Feb 14 2013, 02:24 AM

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QUOTE(mysara @ Feb 13 2013, 09:26 AM)
how about uob lady? is it ok?
*
If You like Designer Branded...
The Lady Card can Benefits You Most if You staying in KL or Klang Valley coz got Many Branded, Designer Boutique Shop Availability there ... biggrin.gif
& the Card can get you Cash Rebate up to 25% on Ladies's Stuff Purchase (Shoe, Handbag)... laugh.gif

http://creditcardsmalaysia.blogspot.com/20...nt-have-it.html
fly126
post Feb 14 2013, 12:33 PM

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QUOTE(mysara @ Feb 14 2013, 11:07 AM)
look what i got today!!!
user posted image
*
Congratulation... tongue.gif
fly126
post Feb 15 2013, 05:56 PM

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QUOTE(Schampoo @ Feb 15 2013, 03:30 PM)
1. Annual Income: 30k

2. Free Lifetime Annual Fee: a must

3. Card required for: priorities groceries and movies..petrol less

4. Existing credit cards if any: city gold (supp)

6. Others: currently thinking of uob one card...is there any better deal card? smile.gif
*
With $30,000 Annual Income, You may Consider Maybank 2cards & It's FREE for Life... biggrin.gif

Pls Refer to: http://forum.lowyat.net/topic/2641365
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