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

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hellremix
post Aug 9 2011, 11:02 AM

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Hi Guys, need help in getting a CC. No idea which one are suitable for me. Btw, how long is the period to get one?. Details are as follows:-



1. Annual Income: RM50K to RM60K per annum.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(Sometimes), Overseas Transactions (when outstation), and hotels only.Rarely for personal expenses.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any bank in Malaysia. Prefer 2 different bank.

6. Others: I only need the CC when going outstation(Overseas and Local). Paying for my hotels, flight ticket and others. Will pay when i get the claim from my company. Not for personal use. If have cash rebate also is good. Only want a visa card, not mastercard.


Help me guys. I know nothing about CC.... rclxub.gif

This post has been edited by hellremix: Aug 9 2011, 11:14 AM
hellremix
post Aug 9 2011, 03:21 PM

Getting Started
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Junior Member
201 posts

Joined: Oct 2008
QUOTE(Gen-X @ Aug 9 2011, 01:45 PM)
For you case since the card is more for convenience, get one that is easiest for you to make payment. And since you  want two different banks, I suggest you get Maybankard 2 Cards where the AMEX gives you 5% cash back on weekends for any type of transactions. You only need to pay a single RM50 GST for AMEX and Visa (remember to stress in your application that you want Visa and not MasterCard).

Since you're not familiar with credit cards, I suggest you read my articles in my blog, click link below:
Guide To My Blog on Credit Cards..
Get a Debit Card from Public Bank and maintain like RM500 max in account at any one time. Maximum damage RM500 if card is cloned.
Maybankard 2 Cards since you do spend more than RM1K per month the 5X TP would benefit you.
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Wow, thanks for the fast reply bro. Just a while ago i went to the Maybank branch and applied for the Maybankard 2 Cards as per suggested. But the bankers said to me that they doesnt produce any more visa type for this CC. So i just go on with the Mastercards. Btw, could you guys tell me the diffrent between visa and mastercard?. Is it the coverage?


Regards
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