Oh god! That means it's not free for life unless I swipe twice a month or 12 times a year? If that is the case other cards is almost the same

EDIT: But in here it says NIL: http://www.citibank.com.my/english/common/...rges-credit.htm

Choice VISA & MasterCard
- Monthly Principal Card Membership Nil
- Annual Supplement Card Membership Nil

This post has been edited by Duckies: Sep 15 2013, 09:52 PM

Hi guys I got a few questions here...it's simple questions but I m new to credit card haha

1. Let's say my bill comes on 3rd this month. The due date will be on 23rd Oct. I made full payment on 8th. So if i use my credit card now..my due date will be 23rd this month or next month?

2. Let's say I bought RM 1000 stuff. I paid 500 first month. So is the interest counted as below? The outstanding/left balance would be 500 as well

500 * (15/12)% = ?

So the amount I need to pay the next month will be the above interest plus the 500. Correct?

But what if I could not make full payment? Oh mine is public bank gold card. Not sure they charge interest on outstanding balance or on the moment of transaction itself

Wow good explaination there! Erm what do u mean by



Okay let's say on 10th Oct I bought something for RM 1000 n I don't have any outstanding balance from previous months. So on 3rd Nov the bill comes so I paid partial payment like RM 400. So I'm left with RM 600 which will be carried to 3rd Dec..so on 3rd Dec when the bill comes the interest will be charged upon my outstanding balance which is RM 600 right? The interest will be 1.0125 * 600 right?

Ah I see. Haha I'm in need for a new monitor n speaker so might use credit card to buy it n then pay back a portion of it when salary comes out...the interest shouldn't be that much right (should be less than RM 15 if I manage to settle in 2 months n no new usage )

Yea. Thanks everyone. I will try not to spend with credit card if I am not able to make full payment on the due date itself But then I really want a new monitor and speaker now XD

Haha nice quote over there. Oh I have another questions. Is it true that we are limited to have cards from 2 BANKS ONLY? But within these 2 banks we can have multiple cards?

And also, what is the best credit card for petrol rebate? I am not eligible for Titanium cards though and also I prefer Shell So far I saw Citibank Shell Card but then it has a quota...the amount needs to reach RM 300 to get the rebate...anything else besides this?

Oh nice! Was planning to get that 1 already =)

Oh thanks! I guess I fall into that category haha

I checked the maybank card..it says 5% rebate on retail on weekends...so petrol is included? And also the interest rate is 17% as other banks are 15%? Hmm...

Haha no la the speaker is around 300. The monitor is around 700 so total 1 k lo XD But get monitor without speaker is not fun hehe XD