Use cheque, cheaper 0.15 x 3 = only 0.45

Typical answer ... I am not surprised. Go ahead ... if you want to do something then nobody can stop you except yourself.

i am self-employed and my business was categorize as FnB and my restoran dont hav any phone line because i am using handphone all the way. Citibank reject my application because of this reason. I explained to them but they said office no. was compulsory, cannot substitute by mobile no. -.-

This post has been edited by Dkck: Jun 27 2012, 10:55 AM

Can anyone give me some suggestions for a card that have rewards if use for online shopping e.g. Amazon, Ebay, Alibaba etc.

Another question,

Which bank nowadays that i can request for credit card without the need of showing income document if i place FD over them?

*If I place 15k FD

None i guess ? Unless you are willing to pledge your 15k FD to apply for a credit card but i don't know any bank still offer this after the new credit card rules came into effect since January this year...

Just go apply credit card with the bank your business/you have account with. If they still don't want give you a credit card (subjected you meet their income and residency requirements), then go give your business to another bank.

And since you willing to pledge FD, then pledge it against your current account and get a debit card issued with that account and wau lah eh, you got RM15K revolving credit facility for your debit card


To ALL:

I just published a long winded article about Hong Leong Bank Credit Cards and their Call for Cash and Balance Transfer Plan. Click below link to read it.

Hong Leong Bank Credit Cards - What Are They Good For?

This post has been edited by Gen-X: Jun 28 2012, 08:45 AM

any credit card agent here?? 1st time want to apply credit card, dont know which bank to choose, planning to use for petrol pumping and shopping, went to bank but frustrated coz need to wait long for number...

you can always go to the bank website and apply online. Why you want to give your personal details to strangers?

i contacted maybank before, and they say its POSSIBLE to get a CC provided you pledge your FD with them.. with the amount 15k, i don't think they will give you a good amount for credit limit... maybe 2-3k max (i think).... but it's possible lah, you should go to any nearest bank branches and consult them diff branches have diff verdicts depending on branch manager

Which CC had the good benefits for petrol pump purpose? Can give some recommendation?

Looking at Standard Chartered Business Visa Gold Credit Card now...

SCB Business Visa has zero points + 0% rebate for Petrol purchases

Got points, RM1 = 1 Choice point. On top of that, it also has cash rebate RM1 = 0.5% with unlimited quota

Ronnie is right. No points, no cashback for petrols using SCB business visa.

This post has been edited by Human Nature: Jun 29 2012, 06:18 PM

Most cards do not give points or cashback for petrol unless explicitly stated

already apply online, thanks...waiting for their call

This post has been edited by bondroes: Jun 30 2012, 12:09 AM

Bro, since you new to credit cards, recently many people have been reporting that they received calls immediately after they received their Maybankard 2 Cards and got conned RM499. I strongly recommend you click here and read this thread on Suspicious Calls Relating to CC for your own good.

And if you want to learn more on credit card click here to my blog where I have articles for beginners starting with the prelude to show you the extend of people in debt with credit cards.

I just received a credit card. But I wondered, if I didn't activate it, would I still be liable for the annual fee & government tax? Thank you.

thanks....

if you applied for it, most likely it is already activated and you have to pay.
if not, then you should call in and cancel it or else you have to pay
doing nothing = auto accept = have to pay