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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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jwcy
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 Aug 9 2011, 11:48 AM
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Getting Started
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1. Annual Income: RM60K-RM80K
2. Free Lifetime Annual Fee: Nice but not essential
3. Card required for: Online purchases from overseas ie. iTunes, Amazon, Flickr Pro, etc
4. Existing credit cards if any: MBB2 Plat, OCBC Titanium, MBB Petronas Visa
5. Preferred Bank: No preference.
6. Others: I am looking for a basic card with a minimal CL (2-3k?) purely for online purchases as mentioned as I do not want to use existing cards with higher CL in case of unforeseen complications (ie. vendor gets hacked, CC details compromised).
7. Estimated Spending per month with the card: RM200-RM500 max.
Thank you for any assistance !
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jwcy
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Aug 9 2011, 02:08 PM
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Getting Started
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QUOTE(Gen-X @ Aug 9 2011, 01:45 PM) 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. Thanks Gen-X. Will check out PBB debit. Alternate method: I suppose I could also apply for a supp card (from any of my existing CC) and set a RM500 limit? Is this a "safe" solution in event of cloning? |
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jwcy
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Aug 9 2011, 03:35 PM
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Getting Started
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QUOTE(Gen-X @ Aug 9 2011, 03:16 PM) True, we can always assign a credit limit to a supp card, but somecard enven let you go beyond your credit limit and then imposes some kind of charges. You can also get another Free For Life Principal Credit Card and request that the CL be RM2-RM3K. Good point. I think I shall go with my MBB cherry debit set on low(est) cash limit, just read about MSOS safety net elsewhere. Save on GST and other fees. Thanks again Gen-X for your sifu feedback. |
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