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

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ncbf
post Jul 22 2011, 10:52 AM

O������ŧє�м
******
Senior Member
1,787 posts

Joined: Jan 2003
1. Annual Income: RM26.4k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only, Online shopping, 0% installment plans with selected merchants (harvey norman, HSL etc), Discounts at food and shopping outlets

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: Any

6. Others: To show banks that I've a commitment for easy loan approval in the future (e.g. house, car loans); preferably MBB. CIMB (have savings acc with these banks), others could be considered as 2nd options

7. Estimated Spending per month with the card: RM1K to RM3K

Thanks!
ncbf
post Jul 22 2011, 04:43 PM

O������ŧє�м
******
Senior Member
1,787 posts

Joined: Jan 2003
QUOTE(Gen-X @ Jul 22 2011, 02:20 PM)
UOB One Card. You earn RM26.4K and you spend RM3K a month? Better not get a credit card  tongue.gif You can try Maybankard 2 Card. By the way, do you know if you scout around, you can get better deals than HSL installment plan and pay less effectively?
Based on the above, I guess you petrol not much, so you can go with UOB One Card. If you think you will be spending RM3K a year, then can get the UOB 1 Card Plat to meet the requirement for annual fee waiver, if not get the non Plat only need swipe 12 times. However, check out UOB Thread, there's something about online purchase security feature not being able to used for online transaction if not mistaken.
*
WOOPS tongue.gif typo. I may go try it out @ mdivalley treats fair for the application. The HSL etc is just example of what I trying to say, not neccessary gonna buy there. But yeah, thanks for the recommendation!
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