Does this mean having more cards does not reflect well when applying for house/car loan even with good payment record as they see it as high commitment?

It may if your CL is really high. Long ago a senior here mentioned he had to decrease one of his credit card CL to RM1K just to get his loan approved.

Anyway, don't worry about it unless you are told to do so.

I'm planning a family trip (4 people) to travel to US next year.

Would like to know which card I can get the most benefit/discount when I purchase the flight ticket? I'm currently using Amex2 Platinum and Stan Chart Plat.


Thanks in advance.

AMEX2 Plat since it earns you 5X Treats Points. As for SCB, and think you use the MBB 2 Visa or MC and earn 1X TP even better than SCB reward redemption program.

Do you think I should get an Air Mile card? Sorry because dumb question. This is my first oversea flight.

This post has been edited by minto13: Sep 1 2013, 09:57 PM

Only worth it if you are (or going to be) a frequent traveler.

I have noob question. I have car loan with Public Bank, can use my car loan to back up my CC application.

Thanks

Get it for your entire family. it's FREE and got nothing to loose.

Even if flying with AA, get the Big Shot account. Now remember this, make sure for each individual use a different email account when signing up, e.g.. your wife and children as each individual will have their own account (for whichever airline).

This post has been edited by Gen-X: Sep 2 2013, 10:37 AM

Opps, i thought minto is referring to miles-linked credit card

Ooh... maybe he did

Anwyay minto, I am sure you and your family will be flying to more places in the future and I recommend you read my articles below that are related to credit card and air miles.

My son is going to USA Again on Business Class. In this article you will note that MBB 2 AMEX TP conversion to Enrich Miles is actually pretty good.

New Toshiba i5 for RM999 and Enrich Redemption. In this article I showed that converting to airmiles may not necessary optimized your return especially if you fly AA where we can sometimes get really cheap tickets during off peak periods or when MAS is having a sale.

The BEst Credit Card for FREE Entries to Airport Lounge.

since i didn't get any reply i wanted to ask for maybank amex platinum card, I applied during end of apr at the 1u centre but got rejected and they said apply again in 6 months but recently when I check with the mbbcardservices, they mentioned I can re-apply in 3 months, so can you guys advise ?

That is exactly what the SA told me, 6 months to re-apply but CS say 3 months. Looks like in maybank every staff got their own policy. I am now applying from public bank and using my car loan to back up my application.

This post has been edited by razifrahman: Sep 2 2013, 03:37 PM

Perhaps u can try to apply through temp booth.

Same situation with you also, I have just try to apply it after two weeks during freeze period.

Surprisingly, its was approved, but the CL that offer kinda lower a bit.

Hi I don't know whether I'm in the right thread or not. I'm still new in Credit Cards so I believe this question is a bit redundant to some of you guys

By the way I'm using Maybank 2 Cards (AMEX & VISA)
1) Last weekend I spend quite numbers of transactions. As I know, with AMEX I can enjoy 5% rebate. How do I get the rebate? Is it auto rebate immediately or take a while. Should I make payment first to my cards billing or wait until rebate first?
2) I'm planning to make EzyPay, so the monthly installment will be appear on my bill right?

Thanks in advance!

1) rebate will be credited on the 1st or 2nd of each month. you may use the rebate to offset the statement balance
2) yes

aren't you going to try again for the amex card ?

hmm ok so if i wanted to get it earlier i should approach the bank or booth otherwise i'll just have to wait another 2 months to apply at the card centre. i am just worried that if i applied at the bank/booth and it got rejected again i can say bye bye to applying at the card centre d.

Yes I am. I'll wait for six months then re-apply. Meantime I am applying a cc from public bank. I am going to Hongkong in nov and i need a cc.

This post has been edited by razifrahman: Sep 4 2013, 07:32 PM

I have two months late payment , received sms from bank say they might suspend all facilities on my card... Izzit means they will not give me use even after i pay ?

Settle all outstanding first, then only ask this question