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 Recommendation for Credit Cards V2, Please post according to Format stated.

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victorywp
post May 21 2015, 08:22 PM

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QUOTE(creezalird @ May 21 2015, 08:00 PM)
Hi all,

1. Annual Income:RM36K to RM60K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Mainly petrol and groceries (ie Tesco) and some online bills

4. Existing credit cards if any: m2c Platinum

5. Looking at CC from: CIMB

6. Others: Need mainly for cash back on WEEKDAY.

Spending not fixed every months, sometimes high, sometimes low.
Need really flexible one like m2c.

Cashback : 2 - 5%
*
you may try uob one. af waivable upon calling.
victorywp
post May 23 2015, 07:08 PM

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QUOTE(andyfriends @ May 23 2015, 03:20 PM)
But that's not a premium card.
*
you should put your annual income instead of credit limit at the first part. i thought 40k is your annual income lol...

you may go for mbb vs or pbb vs.
victorywp
post May 23 2015, 09:53 PM

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QUOTE(dvrsmmc @ May 23 2015, 09:36 PM)
1. Annual Income: RM24K to RM36K.

2. Free Lifetime Annual Fee: Must

3. Card required for: Cash Back/Rebate food and beverage and shopping

4. Existing credit cards if any: MBB2 CARD

5. Looking at CC from: ANY .
*
hlb mach
victorywp
post May 25 2015, 05:29 PM

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QUOTE(bagazaru @ May 25 2015, 04:54 PM)
repost. havent receive any reply.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate/installment (intend to use for Petrol & Grocerios only plus installment on electronic products)

4. Existing credit cards if any:

2012 had cc maybank & cimb.

Maybank i pay min everymonth till now but intend to clear off this month. about 1.2k left. in CCRIS, it shows "belum jelas" but its not under special interest. 0000 for the past 12 months
For CIMB, i defaulted payment and started paying in 2014. January 2015, i completed paying and got release letter already.
Also just completed pay off RHB easy late last month (April 2015)

5. Looking at CC from : IDK!! so many.

6. Others:

a ) if i finish paying maybank cc, how fast i can reapply for their cc?
b ) what will happen if i apply cc from many banks at 1 time?
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i already replied you at post #1974 below...

QUOTE(victorywp @ May 18 2015, 07:17 AM)
a) after 3-6 months finish paying, you may try to apply mbb cc again like mbb2cards or mbb ikhwan.
b) if you apply cc from many banks at one time, it will show you as a desperate applicant and most likely will be rejected.
*
victorywp
post May 27 2015, 12:30 PM

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QUOTE(Milo_O @ May 27 2015, 10:59 AM)
1. Annual Income: 80k - 100k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate/Pts Redeemption (intend to use for Petrol & Groceries)

4. Existing credit cards if any: Maybank2 Cads.

5. Looking at CC from : None

6. Others:
*
mbb vs: https://forum.lowyat.net/topic/3299626

use for one year then cancel. laugh.gif
victorywp
post May 28 2015, 12:46 PM

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QUOTE(desyue @ May 28 2015, 11:31 AM)
1. Annual Income: RM50K to RM60K.

2. Free Lifetime Annual Fee: Must

3. Card required for: Installment,Petrol, bills, grocery, shopping

4. Existing credit cards if any: MBB2 CARD

5. Looking at CC from: Any

6. Other : Just want to find a card to replace my Citibank clear card since they refuse to waive annual membership fee.
*
uob one card.
if they don't waive af then cancel.
victorywp
post May 28 2015, 11:07 PM

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QUOTE(zwei_91 @ May 28 2015, 10:30 PM)
Hi all,

1. Annual Income:  RM36K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Weekdays spending and places that doesn't accept AMEX.

4. Existing credit cards if any: m2c

5. Looking at CC from: Any

Just need a card to compensate low cash back for m2c VISA and weekdays spending
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what categories intended to spend on? if petrol, grocery, utility,.. still uob one. call for af waiver.
victorywp
post May 29 2015, 11:17 PM

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QUOTE(zwei_91 @ May 29 2015, 01:54 PM)
mostly on dining, gorcery, utility...so its still uob one card?

Thanks for the recommendation thou.
*
you may also consider hlb mach.
victorywp
post Jun 2 2015, 02:43 PM

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QUOTE(kelvinlzy @ Jun 2 2015, 12:19 PM)
[attachmentid=4470069]
Just to point out that all my transactions at restaurants/dining outlets are considered as DINING.
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wah, kfc tesco kepong accept cc payment! thumbup.gif
victorywp
post Jun 2 2015, 03:06 PM

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QUOTE(kelvinlzy @ Jun 2 2015, 03:03 PM)
Uncle Victor you replied to me already wo...haha laugh.gif
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QUOTE(kelvinlzy @ Jun 2 2015, 03:03 PM)
Uncle Victor you replied to me already wo...haha laugh.gif
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eh, i replied you that one is at tesco kepong??? how come i don't remember??? doh.gif

ok, i also want to say this... you also replied me already wor (but both at 3:03pm). lol...

This post has been edited by victorywp: Jun 2 2015, 03:08 PM
victorywp
post Jun 2 2015, 03:43 PM

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QUOTE(kelvinlzy @ Jun 2 2015, 03:16 PM)
Dang it. Looks like this curse is revolving around both of us..the same thing happened to us before lol..
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yeah, it's dejavu! i also remember it happened to us at least once earlier. lol...
victorywp
post Jun 2 2015, 09:54 PM

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QUOTE(msafwan1773 @ Jun 2 2015, 04:16 PM)
Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM25k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Medical (incase of emergency) , easy payment (TV,home theater, gadget...)

4. Existing credit cards if any: Nil

5. Looking at CC from: No idea

6. Others: Just applying for the sake of I need any emergency payment to be made, just like previously, I need to pay for some medical treatment, and have no cash, I mean that certain amount of cash..So i think i will be good if I have the contingency plan for it even though it sound dumb to have credit card as your contigency plan..

7. If let say I swiped 2k today..do I still need to pay the interest if I pay those 2k the next day I swiped it ?

8. If I never use the card, do I to pay any charges ? anything ?

9. Maybank 2 card & Maybank 2 Amex .. why some avoid Amex ? any disadvantage ?
Thanks for helping..

Sincerely: Credit card noobies..
*
you may choose mbb2cards or cimb cr gold. both free for life and have easy payment plan with many merchants.

if you swipe today and pay the next day, there is no interest. in fact, you actually have 20 free interest days start counting from your statement date. means if you swipe on 15/6 and your statement date is 14/7, you don't need to pay interest up to 3/8. but if you swipe on 13/6 and your statement date is 14/6, you need to pay by 4/7 to avoid interest. 2 days difference (13/6 vs 15/6) can extend your interest free days from 4/7 to 3/8 (about 1 month longer).

if you don't use your card, you don't need to pay anything since these cards don't have annual fee and the rm50 gst per card has been abolished.

merchant is avoiding amex because of its higher fee towards the merchant. but users prefer to use amex because of its better rewards. so you as a user, just use amex whenever possible. nod.gif
victorywp
post Jun 2 2015, 09:58 PM

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QUOTE(fruitie @ Jun 2 2015, 09:57 PM)
M2Cards cannot because it needs 30k per annum.
*
oh ya, you are right. cimb cr gold then...

This post has been edited by victorywp: Jun 2 2015, 10:00 PM
victorywp
post Jun 3 2015, 01:11 AM

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QUOTE(Wongchoy @ Jun 2 2015, 10:55 PM)
From July 01 onwards, AMEX merchant fee will be the same as Visa/MC at 1% as per BNM Card Framework. Expect more AMEX merchants to come  thumbup.gif
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i wonder how far this new framework has reach to the merchants. i'm afraid still not many merchant know about this.

This post has been edited by victorywp: Jun 3 2015, 01:14 AM
victorywp
post Jun 3 2015, 10:13 AM

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QUOTE(Wongchoy @ Jun 3 2015, 01:20 AM)
Last month MBB already write letter inform all Amex merchant about this already.
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but how about the merchants who only support visa/master? did they got informed too?
victorywp
post Jun 3 2015, 10:49 AM

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QUOTE(msafwan1773 @ Jun 3 2015, 10:22 AM)
Wahh thx bro for the concise answer..

So, from your opinion I have to choose AMEX ? is it the fee on the merchant is wayy to high than without AMEX ?

My income slightly more than 30k+- ... will apply it using my account statement..  biggrin.gif

Can I apply it online or walk in only to Maybank HQ or any maybank branch ? read the m2card thread saying that only HQ..  sweat.gif
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not that you have to choose amex during application. since mbb2cards comes with 1 amex and 1 visa/master, you can only choose to get a visa or master (amex is compulsory to have). but i mean choose to use amex whenever possible, only if no choice then you use your other card (visa/master).

you can actually walk in any mbb branch to apply, unless you want to get the card on the same day, then you may need to go to selected places.
victorywp
post Jun 3 2015, 10:54 AM

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QUOTE(msafwan1773 @ Jun 3 2015, 10:51 AM)
ouh ic..haha I didnt really understand yet credit card term..haha..thx for explaining..

So k ...i will walk in to maybank branch only... biggrin.gif

thx again
*
because using amex gives you 5x points every day transaction and additional 5% for weekends transaction.
visa/master only 1x point every day transaction.

you are welcome.
victorywp
post Jun 4 2015, 02:54 PM

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QUOTE(nickz91 @ Jun 4 2015, 02:20 PM)
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: NO
3. Card required for: Petrol, Education, Cash Back/Rebate Only, Installment

4. Existing credit cards if any: Nil.

5. Looking at CC from: Anybank
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how's your expenses per month?
victorywp
post Jun 4 2015, 03:25 PM

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QUOTE(nickz91 @ Jun 4 2015, 03:06 PM)
1.9k
*
how much per category from the 1.9k divided based on the categories you chosen?
victorywp
post Jun 4 2015, 04:42 PM

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QUOTE(nickz91 @ Jun 4 2015, 04:18 PM)
300 Petrol, 600 Car Loan, 200 Insurance, 600 Food,200 Entertainment
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1) mbb2cards
2) uob one
3) cimb cash rebate
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