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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!
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fly126
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 Jul 12 2013, 03:44 PM
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QUOTE(gn9746203 @ Jul 12 2013, 02:44 PM) Hi guys thinking to apply my own card to start building credit rating ( currently using my father's sub card but not really using anymore) but I have no idea to go for which bank ... I watch a lot of movie and I think Citibank offer discount for TGV ? If not mistaken ... Currently have one two maybank account, one for personal usage another one for company to bank in my salary ... And one more public bank account for my saving ... Any recommendation ? One more question... Is it the same to apply in those booth sometimes appear in shopping centre ? Thx Pls, Placed Your Post /Request at Credit Card Recommendation Thread at, https://forum.lowyat.net/topic/1973206& Follow the Format that Shown at Post#3 for Your Credit Card Recommendation...  This post has been edited by fly126: Jul 12 2013, 03:49 PM |
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nickng812
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Jul 12 2013, 04:28 PM
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New Member
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Hello sifus, recently I applied platinum credit card from SCB and Citibank, for some reason they rejected my applications. I sure that my CTOS and CRISS all cleared, I am planning to apply from other banks in next few months, any suggestion that to avoid my application reject again.
**FYI currently I own Maybank platinum 2 cards.
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fly126
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Jul 12 2013, 08:56 PM
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QUOTE(nickng812 @ Jul 12 2013, 04:28 PM) Hello sifus, recently I applied platinum credit card from SCB and Citibank, for some reason they rejected my applications. I sure that my CTOS and CRISS all cleared, I am planning to apply from other banks in next few months, any suggestion that to avoid my application reject again. **FYI currently I own Maybank platinum 2 cards. Maybe Your Outstanding Balance was HIGH on that Particular Month...so Kena Tendang  (FYI, the Bank can See It in Your CCRIS) This post has been edited by fly126: Jul 12 2013, 10:13 PM |
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gn9746203
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Jul 12 2013, 09:29 PM
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QUOTE(gn9746203 @ Jul 12 2013, 02:44 PM) Hi guys thinking to apply my own card to start building credit rating ( currently using my father's sub card but not really using anymore) but I have no idea to go for which bank ... I watch a lot of movie and I think Citibank offer discount for TGV ? If not mistaken ... Currently have one two maybank account, one for personal usage another one for company to bank in my salary ... And one more public bank account for my saving ... Any recommendation ? One more question... Is it the same to apply in those booth sometimes appear in shopping centre ? Thx Didn't see that ... Thx bro ! |
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HughieRmX
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Jul 15 2013, 11:28 AM
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Guys, I was wondering does cancelling credit cards will affect the credit rating of a person ? I am planning to cancel 2 cards at the same time. Not much usage and sort of like dragging me ..  |
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b00n
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Jul 15 2013, 02:18 PM
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delusional
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The answer is no. Why do you think it will affect your credit rating?
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Darkmage12
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Jul 17 2013, 04:18 PM
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QUOTE(MilesAndMore @ Jul 10 2013, 08:40 AM) Unless you can get multiple Wise VISA or OCBC TMC, MBB2 AMEX is the only card that can give earn you the most rewards/cash back and not to mention, it's much less troublesome as well. Wouldn't HL Essential be better? MBB AMEX can get 5x points for TNB and TM? |
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shortleg88
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Jul 17 2013, 04:40 PM
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QUOTE(Darkmage12 @ Jul 17 2013, 04:18 PM) Wouldn't HL Essential be better? MBB AMEX can get 5x points for TNB and TM? Yes for both. |
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jern25
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Jul 18 2013, 12:22 PM
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may i know which bank offer a credit card that accept 30k annual salary?
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Ricky300
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Jul 18 2013, 12:23 PM
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QUOTE(jern25 @ Jul 18 2013, 12:22 PM) may i know which bank offer a credit card that accept 30k annual salary? Quite a lot. Minimum requirement is 24k per annual. |
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Ricky300
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Jul 18 2013, 12:25 PM
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QUOTE(HughieRmX @ Jul 15 2013, 11:28 AM) Guys, I was wondering does cancelling credit cards will affect the credit rating of a person ? I am planning to cancel 2 cards at the same time. Not much usage and sort of like dragging me .. I won't affect your credit rating but bear in mind that once you cancelled your credit card, the record of these card will be removed from CCris report. It will cause trouble for you especially when you are in the midst of applying a housing or personal loan. |
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doob
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Jul 18 2013, 12:28 PM
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guys
my annual income is only 25k
am i able to apply for maybank cc??
coz im just goin to use it for installment to buying laptop for my study
im working n studying at the same time
i dont want to spend my money in a big amount one time
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jern25
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Jul 18 2013, 12:30 PM
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QUOTE(Ricky300 @ Jul 18 2013, 12:23 PM) Quite a lot. Minimum requirement is 24k per annual. is it? because i've only tried maybank but they've increased it to RM36k annual income. can u suggest any bank with an attractive package/interest? i dont have any experienc with credit card before. |
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Ricky300
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Jul 18 2013, 01:47 PM
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QUOTE(jern25 @ Jul 18 2013, 12:30 PM) is it? because i've only tried maybank but they've increased it to RM36k annual income. can u suggest any bank with an attractive package/interest? i dont have any experienc with credit card before. Nope. It is clearly stated in Maybank website. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-CardsOCBC annual income of 24k http://www.ocbc.com.my/personal-banking/Ca..._cards_GoldVisaVisit their website or read our thread here =) |
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jern25
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Jul 18 2013, 02:40 PM
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QUOTE(Ricky300 @ Jul 18 2013, 01:47 PM) i know. i went to Maybank KL Sentral, and they told me that they have increased it and the website must not yet updated. need to go and check at other branch i think. |
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Ricky300
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Jul 18 2013, 02:42 PM
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QUOTE(jern25 @ Jul 18 2013, 02:40 PM) i know. i went to Maybank KL Sentral, and they told me that they have increased it and the website must not yet updated. need to go and check at other branch i think. If you have time, can always visit their maybankard centre at One Utama, The Garden. |
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jern25
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Jul 18 2013, 02:46 PM
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QUOTE(Ricky300 @ Jul 18 2013, 02:42 PM) If you have time, can always visit their maybankard centre at One Utama, The Garden. the garden, midvalley? btw,i intended to use the card for easy payment method ( the instalment payment). is all card can be used for it or just some card can be used? sorry for such a noob question. |
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Ricky300
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Jul 18 2013, 02:55 PM
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QUOTE(jern25 @ Jul 18 2013, 02:46 PM) the garden, midvalley? btw,i intended to use the card for easy payment method ( the instalment payment). is all card can be used for it or just some card can be used? sorry for such a noob question. Yes. There is a maybankard centre at level 3 (if i not mistaken, can't recall the exact floor) It depends on the merchandiser whether they offers such plan for the banks. |
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MGM
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Jul 18 2013, 03:12 PM
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Apart from the new CIMB Cash Rebate Platinum MasterCard, are there any other cards that offer better or similar 5% cash rebate for Ecommerce spend (like at Groupon, Airasia, Agoda)?
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