I got think of that but I have bad impression on MBB Cz I was rejected 3 times (without giving a good explaination on why) but the bank still contact me numerous times to apply 😓. N I have few friends that have this card comment that their card details easily stolen for unauthorized transactions. Is that true?

Why don't you try to cut off those not so useful credit cards before applying again? How about your other commitments? Like various loans and etc.?

About the fraud cases, I have heard mainly from AmEx but so far *touch wood* I have used since it was introduced in 2011 nothing happened to me, and never once any of my cards is forged. The fraud cases came from online mainly and I have used a lot via online. You just need to be careful and I only purchase from reputable merchants and as a step of precautions, you can get bank to activate SMS notification, from RM 1 onwards. This to give you first hand alert if any transaction goes through your cards.

That is why I'm planning to cut off OCBC Titanium as not much benefits. The other 2 cards one is for normal usage n another one is for installment purpose. So far my records are good n without bad debts. That's is why I wonder why being rejected so out of frustration previously I go apply OCBC Titanium instead n it approved. Thx for your info. Btw is other HLB CC good n how about Aeon CC? Seek for other alternative in case being rejected again

I'm only using HLB Mach for dining purpose in case places don't accept AmEx or during weekdays. For Aeon, it has 0% BT but you can only do it once every 6 months, I applied it for PPL purpose. It also has Watami card that gives 3% cash rebate every quarter but you must spend at least RM 3k per quarter.

HLB also has Wise card that gives 10% cash rebate for certain categories but with condition every swipe must be at least RM 50. It does have annual fees after a year.

For HLB Mach and Aeon cards also have AF but can be easily waived with reasonable numbers of swiping.

For more information, all these individual threads are on this section. You may visit, read and post your questions.

Ok. Thanks for ur valuable information 😊

1. Annual Income: RM30K - RM32k

2. Free Lifetime Annual Fee: A Must

3. Card required for: for installment hand phone and cash back or good reward points on groceries, bills

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Need it urgently as will be going singapore on next week.

Thank you!

Hi all,
Any recommendation? Need a replacement for OCBC CC.

if your insurance is aia, you may sign up for pbb aia cc.

mbb2cards

Hi victorywp,
Too bad is Manulife

1. Annual Income: RM34k+-

2. Free Lifetime Annual Fee:prefer

3. Card required for: mainly wan cashback n point

4. Existing credit cards if any: M2card gold

5. Looking at CC from: Nil

6. Others:

So any card worth getting other than the m2card(already have) ?

1. Annual Income: RM100K - RM120k

2. Free Lifetime Annual Fee: A Must

3. Card required for: cash back or good reward points on groceries, bills

4. Existing credit cards if any: MBB 2cards, HLB-GSC+WISE, Std Chart, OCBC titanium (planning to cancel all except MBB2cards)

5. Looking at CC from: Nil

6. Others:

Thank you!

card required to use for which categories and rough estimation of monthly usage for it?

UOB One Card?

Other than AEON CC give 3% cash rebate for insurance.

Which CC does give more than 3% cash rebate for paying insurance?

unless the insurance can be paid online, then you have more choices.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Installment for electronics products, food and stuff

4. Existing credit cards if any: 2 UOB(1 black for online used, 1white for 5% rebate)

5. Looking at CC from: Maybank , Citybank , RHB

6. Others: Please be specific. : I have previously late payment on my car installment which was only fulfill early December'14 and both the car installment per month is around RM 1,100, both are new car and only graduated May'14 and tried Personal Loan and CC last year but all failed except UOB. wondering would it be easier since I have paid all the late payment early december? Im thinking to get Personal Loan and CC... any ideas guys?

This post has been edited by Old DaI: May 5 2015, 10:53 PM

black and white refers to vox and one? lol...

you graduated in may'14 and own 2 new cars now???

you may try mbb2cards for your requirements of electronic products instalment, food and stuffs.

Will it approve? chances of approval?

yes its vox and one.

as for the 2 cars i buy together in 1 -2 months time so they somehow manage to cover up lol.

btw 1 of it is my mum paying and owning but use my name to loan so don feel shocked.

btw u know anyone that can do a better job to appeal for me to get a mbb card?

Thanks

you need to check how much loans already attached to your name under that 2 cars? i'm afraid you have already reached almost the maximum amount of loan you may borrow with an annual income of 30-36k.


anyway, since you have settled your late payment, perhaps you may try again.