Hi all, I'm thinking of applying a Public Bank Visa Classic credit card for traveling to Netherlands next month.

Other than the annual fee and RM50 GST, is there any charges if I don't use the CC? I prefer to pay by cash and will probably use the CC only during travel.

This post has been edited by valkyrie5034: Aug 23 2011, 05:03 PM

Thanks guys, so the bank will not reduce the credit limit or terminate my card even if I don't use it right?

Oh and thanks for the info about Maybank CC for the lower foreign exchange rate

This post has been edited by valkyrie5034: Aug 24 2011, 08:50 AM

Understood. It's not like every month I have to use card if I'm not spending much. Just making sure there's nothing like monthly fee or bank TOC to terminate card if inactive for more than 2 months.

Yea, guess I'll do that but now's there a problem...

I just found out that Maybank requires annual income of at least RM30k to apply for classic. My salary is only RM2100 (not excluding EPF & Sosco) so I guess that's impossible for me.

I thought the minimum requirement was only 24K per year?

I just applied for UOB One card. Do I send the original or photocopy of payslips? No EPF statement so I'm planning to send last 3 months payslips.

Also, should I cross out the IC photocopy with "for UOB One card application"? Scared it will be rejected if I cross out.

Hi guys, I have a question about unbilled transaction.

I swiped my card last week and when I checked online, it still shows no unbilled transactions found (last statement closing is on 17th October). Does it take a couple of weeks to update?

This post has been edited by valkyrie5034: Oct 24 2011, 06:03 PM

AEON Jusco grocery shopping last Monday and pumped petrol at Caltex on Wednesday.

Just scared something wrong, when I received the mail with my card, the side was opened (seal not broken though). And activation through SMS was successful.

This post has been edited by valkyrie5034: Oct 24 2011, 06:19 PM

Hi guys, my CL is 4K and it shows authorised balance is RM200, what does it mean?

How will the new rates encourage people to pay off their debts promptly? I think this will only increase the debts further.

They should be doing something to control people's spendings like charging higher interest rates for purchasing luxury items.