1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: If possible.

3. Card required for: Emergency payments for the car and house stuffs.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Don't really have any.

6. Estimated Spending per month with the card: Less than RM1K.

These are my infos. Anything to suggest? Thanks in advance.

Mane la tau if tetiba my car ade problem, got to pay a lot but no money in hand. My mother's washing machine just died also, and I want to buy a new one for her. Simply put: in case of any emergency la... Non-emergency also got, but limited to buying things like home furniture or buying tickets online.

Any recommendations? :-?

Thanks, Gen-X bro! Read your articles already, but was just wondering from which bank should i apply for a CC. If better from bank where my gaji masuk, ok la tu.

Actually, I can understand your articles, but some quite panjang. Can i suggest you list the main points in some of your articles? Some people like TLDR version, but good articles nonetheless. Thanks again, bro!