Need advice on my current situation here..

Totally new to credit card but needed lots and lots of installment to fund my furniture now

1. Annual Income: Around RM 50k..

2. Free Lifetime Annual Fee: No preference..

3. Card required for: 1. Mainly on electrical appliances and furniture which required like few years installment plan.. 2. Petrol.. 3. Groceries..

Of course preferably card with the max benefit. On rebates, discounts, freebies.. Shopping voucher etc etc.. LoL!

4. Existing credit cards if any: Nothing..

5. Preferred Bank or Considering CC from banks: Saw lots of feedback on OCBC hence.. OCBC? Needed advice so.. Comments are welcome

6. Estimated Spending per month with the card: Not working for credit card so.. LESS than Rm 2k

Another thing.. Can any credit card user here clarify me. If let's say my credit limit is RM 1k.. I bought a microwave which costs me RM 900 on 12 months installments.. Can I still buy another RM1k item on the second month or I left with only RM175 (RM1000 - RM900 + RM75) for next month?

Thanks!

This post has been edited by rainey: Mar 31 2011, 09:42 AM

Thx Gen-X & chemistry.
Checking these cards out =)