Here are my thoughts:

1. For a bachelor to have RM35K loan is kind of hard for me to comprehend. You mentioned the repayments are covered by your future wife and yourself.  I hope you're not in this hole of debt because of her...... 

2. What nonsense you don't have adequate time to save up as it has been a year since you were posted there. Like I mentioned earlier, if you are earning RM3K a month and don't have RM6K savings, something is not right. Some more you living in the rural area and therefore you should be saving lots of money since you don't get the temptation to burn away money like what we have in KL.

3. If your Wira, basically a pretty hardy "Japanese car" cannot handle your current use, you must be joking that a new car can handle the so called estate road you mentioned. Even if you get a second hand 4W pick up, the maintenance cost will be higher. But maybe can save money with diesel. Proton wira is cheap to maintain as we can get spare part easily. Maybe you should get a new motorbike instead And what I really don't understand is, why you want to buy a new car to drive on the estate road and damage it ?

4. And your statement that you going to get a credit card just for your wedding, and 100% guaranteed, I hope that is true. But did you not tell yourself when you took the BSN loan that you won't get another loan? Once you are in hole of debt, it is very hard to get out.... and in your case, you are willing to go deeper into the hole.
Having said the above and knowing that you desperate, here are your options as far as credit cards are concerned:

1. Go apply for credit card from the bank nearest to you. And repay as soon as possible, i.e. money from the reception is to be banked to your credit card account immediately so that you save on the daily interest charges.

2. And if you want to save interest charges (not really much from my earlier example), you can also apply for RHB Credit Card and CIMB Credit Card same time with card mentioned in item 1. Why, because they offer 6 months 0% interest free loan called Balance Transfer. And pray that your application will be approve.

3. If you do withdraw cash from step 1 and your RHB or CIMB credit card is approved, do a 0% balance transfer and save you some interest charges (not the 5% cash withdrawal fee).

Click here to read my article Balance Transfer Plan - Facts You Need To Know

Click here to read my article on RHB Credit Cards where RHB has 0% 6 Months Balance Transfer with equal repayments,

CIMB 0% 6 Months Balance Transfer Plan

4. Or apply for Hong Leong Bank credit card where they will be more than happy to deposit money into your Savings or Current Account. The difference in getting cash from HLB credit cards is that you are not subjected to the 5% upfront fee from ATM cash withdrawal(s). Also, if you opt for 12 months or less Balance Transfer Plan (where they deposit cash into your CASA), the interest rate is lower than the 18% for cash withdrawals via ATM. I recommend you go for the 6 months Balance Plan option because the interest rate is 0.5% per month of 6% per year. And if you pay back earlier, you save on interest charges (but you have to maintain a nominal amount like I mentioned in my article until you settle in full after the expiry date so that you are not imposed penalty).

Click here to read my artilce - Hong Leong Bank Credit Cards - What Are They Good For?

You can also opt for the Cash On Call shown in the link above, the effective interest rate will be higher but at least you are forced to repay back in equal installment.

Some of you members may not agree with me showing him how to get deeper into the shit hole; but, he's getting married

3. About the road, if you ever traveled from KK -> Ranau -> Telupid -> Simpang Sapi Nangoh -> Pamol then you know what happened if you're using a small car. No offense but you have to be in the shoe to know about it.

Anyway, since i've got all I need (advice and suggestion), i think 18% is a bit too much and it's gonna land me deeper in the hole as you all said. I'll look for another way on how to get it without getting a CC for cash advance. But if the hole is the only way, probably that's where im going. But as Gen-x said, the money from the reception goes back to the repayment, that is what i'm thinking from the start. Cheers everyone and thanks for the inputs.  

Two different stories there. If you still recall the date and time of the first conversation, you may request the CS to refer to the phone recording as evidence to check what is the actual conversation. In future, always follow up.

i already receive the cards today, can I return the cards to the bank?

what is the impact if I do so?

thanks'

call up CS and explain your situation. I am certain you are already charged with GST.

i already email to them to explain n they say will investigate for me , n in my email i got stated that i will return mail the cards to them

n i supposed they already charge the gst lioa

cz in my email, i did not agree to have cards as I want to cancel it

so what i can do now

So what car you thinking of getting? Hmmm.... if you get a Myvi or Saga or Preve or City or Vios, it's not any "bigger" than Wira. And if you get a 4W pick up, you going to regret big time when your wife is pregnant. The point is - live within your means. As of now you are already in debt with the BSN Personal Loan and got no savings. Buying a new car needs down payment (where you going to get the cash? Credit Card Cash Withdrawal?) and monthly repayments. And in a matter of few years, your new car will be old (and damaged too from you using it in the estates) and you have burned good money that can be used for investment to have a better secured future. Like I said, why buy a new car (compared to a Wira which is cheap to maintain) when you know you going to damage it when you go into the estates?

Anyway, I might help you to save some money by letting you know the locations of the AES cameras in Sabah. Check out my artilce titled AES Camera Locations - It's Everywhere There Is No Escape..

And guys, those of yo with big CC cars, you can pay your road tax with CC at JPJ offices - mostly at HQ. If you or your boss got MB S500, volunteer to pay his road tax and earn some cash back or points 

Thanks for letting me know the location of AES cameras here in Sabah. I didn't know the one that I always passed have one also. But mostly in city drive, I never drove above 90km/h for ages since I know and have been summoned before.

I don't think I will getting a CC after all since it's too risky like you all said. And the interest rate, I don't think I can cover it all since getting a new car is the new priority after getting married. I will use the bonus for the down payment and considering the expenses for next year, I think I can save around rm800-rm1000 monthly. Anyway, thanks all for convincing me not to get CC just for the Cash Advancement. If I haven't asked around here, I think I already applied for it and God knows what will happen.   

I have question regarding late payment charge.

Statement balance on 28/8/2012: RM1000
on 29/8/2012: pay RM900
Until due date on 17/9/2012 I still have outstanding RM100 from previous statement.
On 27/9/2012 (one day before September statement): I pay RM100 to the previous statement.

My question, why I didn't charged anything by the bank?

Can anyone answer my question?
Is there any minimum threshold before card issuer charge the card holder? 

Which bank's credit card is this ?
You should see Interest/Finance Charges in the 28-Sep-2012 Statement for the RM100 (unpaid)

I'd like to pay my annual Fitness First using CC upfront.

Any suggestion on the CC?

Check if it accepts AMEX. Maybank 2 cards.

Else, Mach by HL provides the following benefit in one of the package.

- 2% Cashback on Health & Fitness: Celebrity Fitness, Fitness Concept, True Fitness, Fitness First, GNC's, Watson's and Guardian

Is it true that the Visa buy 1 Free 1 promo for GSC tickets will end on 14th October due to overwhelming response?