For annual income 36k and below, maximum only 2 credit cards from 2 issuing banks. Not 2 pieces literally.

1. Annual Income: RM60K to RM80K

2. Free Lifetime Annual Fee: A must or can be waived with reasonable number of swipes.

3. Card required for: I'm thinking to replace my SCB Plat which is pretty useless. I mainly need it for cash rebates, shopping, dining, movies and overseas travels.

4. Existing credit cards if any: Maybank2Cards Plat, OCBC Ti, AEON Gold, MACH HLB and SCB Plat.

5. Looking at CC from: Any bank

6. Others: Not considering banks from UOB and HSBC as I have terminated their cards before. Don't like them. How about Citibank? Any good deal from them? I'm using its Citibank corporate credit card which supplied by the Company.

Thanks for the suggestion! Will I get the movie ticket and CBTL B1F1 drink with Cash Back Plat card? Or just Clear Card has it?

Thanks.

OK, still thinking if I should get the Clear Card or Cash Back Plat, will read further before deciding.

Alright.
PPL I already have it on my Aeon Gold which gives 6x a year, enough for me, for now.
But so far Cash Back Plat attracts me.

Sorry but which part of the application form mentions that it is entitled for PPL? I can't seem to locate it, probably sleepy.
You may refer to this thread for eligible cards.
https://forum.lowyat.net/topic/1791878

Probably just Cash Back Plat. Though Clear's B1F1 stuff is equally attractive too but I hardly use them. I still have M2C for TGV B1F1 on Thursday and everyday before 6pm is RM 10. I don't take coffee. So that's fine.

Thanks for the heads-up!
I haven't had the time to check it out yet.

Apply credit cards for cash advance is one of the silliest moves ever. You will end up paying high compounded interests. Nobody applies credit cards for that reason. Never use credit cards' cash advance facility. I throw all my pin numbers away whenever I receive new cards. Don't bother to know, destroy and throw it away.

I suggest you look for personal loan from any bank.

Do you know the interest is based on daily doesn't matter if you pay on time or not? Might as well get other loans. Anybody feel free to correct me if I'm wrong. After all, cash advances are not something I would understand anyway.

It's OK. Sometimes lifetime experience needs to be paid with a high cost.

No, you are wrong. CC is not about using future money, that's why most of the youngsters these days are in great debt. Most of us the users in this section, have the sufficient money to pay but we opt to use credit card because it has cash rebates, reward points, discounts, special privileges and 20-day free interest.

M2Cards are much better than Visa Petronas. I suggest you try to re-apply again and understand why didn't they give you the M2Cards but instead Visa Petronas.

This post has been edited by fruitie: Apr 23 2015, 09:55 PM

To clear all your questions, go to this thread: https://forum.lowyat.net/index.php?showtopic=3544353

This post has been edited by fruitie: Apr 24 2015, 09:45 AM

Start off with M2Cards first, everyone should have this combo in their wallet.

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.

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.

It will be more helpful if you use the template as posted in post #1.

Start with Maybank2Cards.

Probably you can use the template on first post for better suggestions.

HLB MACH. I'm using it now.