Never have credit card before,
I might want one for emergency such as hospitalization (hospital, a place to save life has credit card machine ) , online purchase for things like games and bags from US...
Now days got how much charges?
Which one the cheapest?

Thanks.

How bout debit card?

it depend on u to choose whether u want a CASH REBATE credit card or benefit based credit card


interest rate are almost same among all banks

CASH rebate credit card = ocbc titanium or UOB one card

benefit based

if often travel = air asia CC or those platinum card which come with 1 mil travel insurance(flight)



cash back card comparison chart


This post has been edited by fantasy1989: Jun 7 2013, 11:37 PM

Debit card can use for online purchase meh???

Yes

Wahhh, got benefits some more...
However, I will only use it once in a blue moon.
Mainly want it for emergency and rare online purchase only. If rarely use got higher service charges? I heard from friend if use certain amount per month got wave service charge?

Can use in hospital too?
I think credit card is better in emergency right?

lol! sure can la....

janji dalam debit card ada wang!

Not really, insurance first.

errr..try to find those waived annual fees (with T&C) or Free For Life credit card

if like that ..then every year u just pay rm50 gov tax lo

like UOB One card = 1 year u swipe 13 times = waived annual fees

or Petronas Cimb Bank platinum card = Free for life with no condition

insurance > credit card

and yes la ..if suddenly want 3k deposit ..but u didnt put many money into your debit card ..mampui liao

but if CC ..if stolen ..straight report and cancel it

atleast u wont die

if debit card...report liao still need to wait

This post has been edited by fantasy1989: Jun 7 2013, 11:53 PM

Amex is also capped at RM50 la bang..

Thanks for explaining, the Platinum free for life must have very high income only can get right??? I kuli je...

Insurance is better I know, I might get it later this year. Previously, my salary so low, didn't even really put any thought in it.

I heard from my friend just now, when he try to buy something from US web, it says they can't accept our local credit card because they don't recognize our banks. It that true or my friend got troll by noob sales person?

how much is your salary

if your salary got 2k then ok already ...if u want free for life CLASSIC card

go for ambank

troublesome a bit ..but they offered free for life classic card

Last time < 2k, then last year onwards got 2-3k, but not consistence plus need to spend half of it to support family.
Now got >3k starting this month, many of my friends say better to be save than sorry and at least get a credit card first, then insurance later this year in case of emergency.

then go and apply 1 lo


http://www.ambankgroup.com/en/Personal/Car...neVisaCard.aspx

This post has been edited by fantasy1989: Jun 8 2013, 03:18 PM

One more thing I want to know, got credit card that other countries' company don't accept? I mean when buying things online.

This post has been edited by samftrmd: Jun 8 2013, 11:43 PM

but if we swiped more than 13 times, rm50 govt tax still apply am i right?

credit card for broke nikkas

dont buy things that you have to take loan to afford

yup ..but u can nag to your bank see they want asrob it or not


sometime u can (if u are heavy user)

This post has been edited by fantasy1989: Jun 8 2013, 11:56 PM

most of them are accepted

else ..just link your CC with paypal ..and use that to buy

This post has been edited by fantasy1989: Jun 8 2013, 11:56 PM