QUOTE(Gen-X @ Jul 13 2012, 03:02 PM)
Did you know that
UOB now has a ridiculous auto waiver condition for their credit cards?. If you don't mind calling UOB every year for annual fee, then ok loh.
As for CIMB, you can use the points for
on the spot redemption.As for OCBC TMC, with 5% cash back you only need RM1K spending to hit max cash back of RM50. Who needs high CL?
As for MBB 2 Cards, did they ask for proof of income and make you declare your loans? If you know the reason why it was not approved, easier to appeal.
yeah, i don't need high CL .....going to cancel both cards but UOB ady paid the GST 2 months ago so hold until next yr
last time CIMB Direct Access is the best, now the points I have only use for GST....
I think even the officer told me no reason, my MBB 2 cards can't get approval either because of my current income (mainly is commission), esp the last 3 months very poor & currently moving to another firm to work....or my housing loan is about RM2k per month, a bit high compare to my last 3 month commission.....but I sold my old hse to buy the new house only 2 years I ady settled 75% of the loan but they didn't bother about this, what they want is : current 3 months salary/commission
I think I will re-apply it again a few month later after I moved to new firm & everything esp the current 3 months salary/commission is stable.........
currently, I may apply or downgrade to UOB One card or Hong Leong Mach or Alliance You:Nique.......I like cashback & also points to settle the GST............still better than the current 2 cards I have .......
Gen-X expert ...what do you think about UOB One card or Hong Leong Mach or Alliance You:Nique....even they may not as good as OCBC TMC but my average spending is about RM2k.....I need another cashback card now....TQ
http://www.alliancebank.com.my/ccard_cashback.htmlhttp://www1.uob.com.my/personal/cards/cred...b_one_card.htmlhttps://www.machbyhongleong.com/mach-credit-cardbut as you have mentioned UOB one card, their terms is ridiculously & no idea it has smart$ points or not, Alliance You:Nique has the tiers to spend even it has the timeless points.......no idea about this new Hong Leong Mach
This post has been edited by asiatrader98: Jul 13 2012, 07:33 PM