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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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vng69
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 Sep 26 2011, 04:12 PM
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1. Annual Income: RM24k-RM30k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, Online Shopping, Movies
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: pls advise
6. Others: A card that easy for me to pay the card's bills through online.
7. Estimated Spending per month with the card: RM1K to RM5K
i've read thru n i'm sure u'll tell me to go for UOB One card. besides that, what about Citibank Clear card or Citibank Choice card? pls advise.
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vng69
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Sep 27 2011, 08:50 AM
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Gen-X,
thanks for the advice.
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vng69
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Oct 18 2011, 09:52 AM
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QUOTE(Gen-X @ Sep 26 2011, 04:56 PM) haha, you are right because of your requirements and income bracket, UOB One Card is the one suits your needs. Citibank Clear Card is good for movies, coffee bean, zouk and more of a lifestyle card but it is not a cash back card and therefore you have eliminated it yourself when you said you want only cash back card. Choice Card? Why you would even want to consider it? Go for Clear Card at least you can get free movie tickets. hi..my application for citibank clear card got rejected. ='( why is that? is rm2.1k monthly which adds up to rm25200/annum not enuf to get it approved? |
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vng69
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Oct 18 2011, 03:16 PM
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QUOTE(snigapoe @ Oct 18 2011, 10:00 AM) you can still considered on uob 1 clear card minimum requirement also 24k only but i wan citibank clear card due to the benefits they offers. (entertainment stuffs). how does the bank calculates for approval? rm24kp.a on ur basic or gross(minus pef n socso)?? any ideas any1? |
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vng69
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Oct 18 2011, 03:30 PM
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QUOTE(Gen-X @ Oct 18 2011, 03:22 PM) It is based on gross but annual income is not the only criteria. They also look into Nature of work, credit history and etc (=I don't know), is it? hmm..if thats the case then i think not enough lo. but i'm sure my epf statement is strong enuf wor.  |
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vng69
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Oct 18 2011, 03:58 PM
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QUOTE(Gen-X @ Oct 18 2011, 03:45 PM) Aiyah , forget to mention Gross is before any deductions. Bro, don't worry, apply in 6 months time. In the meantime, go apply another card that is most convenient (the bank that you have savings account) to build up your credit history. After 1 year, if you pay promptly and have no outstanding, no BT, no late payment, it will be easier for you to get other cards. 6 months?!! o.O  i wan citibank clear card so can enter zouk FOC!!! (main purpose)  but now...looks like i gotta try UOB. *sigh* anyway, thx for the advice. |
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vng69
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Sep 13 2012, 02:01 PM
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pls advise.
currently on hand i've a Citibank clear card.
i'm looking for a secondary CC which offers rebates(petrol and maxis bill).
also..which offers balance transfer with a low interest. (want to BT to my citibank CC).
Income per annum: RM36k+
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vng69
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Sep 13 2012, 02:28 PM
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QUOTE(Pink Spider @ Sep 13 2012, 02:17 PM) OCBC Titanium UOB ONE also not bad thanks!! i'll check that out. |
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vng69
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Sep 14 2012, 09:35 AM
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QUOTE(fruitie @ Sep 14 2012, 04:20 AM) OCBC Ti and Maybankard2Gold Card. You will never go wrong with these two cards.  Many recommended and I have both, no regret till today. I will advise anyone that fulfills the salary requirement to apply for this combo. I cancelled all my other useless cards and only retain these two. OCBC Ti? hmm..ok great. was thinking that or UOB. i'll read more on it b4 hand. thx for the advise. |
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