Recommendation for Credit Cards V2

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

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adele123	Feb 27 2015, 05:41 PM Return to original view \| Post #41
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(eadec @ Feb 27 2015, 03:53 PM) 1. Annual Income: RM48k 2. Free Lifetime Annual Fee: A Must . 3. Card required for: GSC cinema, travel, shopping in klia2 4. Existing credit cards if any: pb gold card, hlb basic although i agree that mbb2c is the best card... may i also intro you to cimb cash rebate. the main reason being GSC RM10 tix for ONLINE booking. even stuff like agoda you will get 5% and additional 5%. same goes to m2c. but m2c is better in this case because of 5x points and cimb charges that stupid cross border fee 0.8% but assuming you do spend alot on watching movie at gsc (m2c is good if you go for tgv) then maybe can think think first? haha
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adele123	Mar 4 2015, 12:35 PM Return to original view \| Post #42
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(vin_ann @ Mar 4 2015, 12:06 PM) » Click to show Spoiler - click again to hide... « hi, been reading and looking around for best CC tht suite my spending. i have auto debit for my insurance, TNB, Unifi, Celcom... I prefer to pump BHP petrol.... sometimes Caltex. looking for CB for all these spending... Currently using SCB card for all my auto debit, which offer nothing. then i come to read about this CIMB Cash Rabate card... any other CC tht offer better than this CIMB card? no income stated, so i'll take a stab. HL Wise card for petrol and mobile and xxx (whatever category) maybank 2 card. amex for all your petrol and most bills. Celcom not payable via amex though. i dont pump bhp and caltex so i'm not sure about the amex acceptance. some say need to walk in to swipe in the shop, but you can visit one of the thread below, places to use amex to find out further. Else you can combo with citibank cash back (uob one card is the same as citi but uob has a petrol cap, check out uob thread for more info. these 3 beats CIMB unless you are frequent online shopper. QUOTE(babienn @ Mar 3 2015, 07:26 PM) » Click to show Spoiler - click again to hide... « 1. Annual Income: RM36k 2. Free Lifetime Annual Fee: Yes 3. Card required for: Mostly petrol, casual shoppping 4. Existing credit cards if any: none. 5. Looking at CC from: - 6. Others: Preferably with cashback offer. It would be best if I can waive the government tax too Maybank 2 Card. use points to redeem G. tax. HLB wise if you can fulfil the conditions. you can look at citi cash back/uob one but i personally prefer m2c. QUOTE(NooooB @ Mar 3 2015, 06:00 PM) » Click to show Spoiler - click again to hide... « Hi there, im looking for a cc recommendation based on the following criterias; 1. Annual Income: ~~RM24k 2. Free Lifetime Annual Fee: yes please 3. Card required for: Petrol, mobile phone bills, insurance 4. Existing credit cards if any: none. 5. Looking at CC from: - 6. Others: Preferable that giving rebates Thanks Uob One. HLB Wise, tricky condition to fulfil for someone earning <36k. but you are eligible, just try to understand it first. This post has been edited by adele123: Mar 4 2015, 12:38 PM
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adele123	Mar 5 2015, 10:18 PM Return to original view \| Post #43
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(babienn @ Mar 5 2015, 10:11 PM) Many thanks I'll look into it. Is the government tax applicable onto both the 2 cards? I'l have to pay RM100 each year? yes. looks like we are NOT gonna have to pay GST on CC anymore? after this month. well, we can take this factor out for now. maybank is having promo for new signup, RM100 cash back (with t&c) which will cover back the GST though i think it's about to end soon. and the points earned on amex can easily be used to redeem the GST. anyway, to be on the safe side, you can apply after april. This post has been edited by adele123: Mar 5 2015, 10:20 PM
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adele123	Mar 6 2015, 11:47 PM Return to original view \| Post #44
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(vin_ann @ Mar 6 2015, 12:20 PM) Anyone tried used imoney recommendation web service before? i just did. after choosing my preference, in order to get the suggested CC, i need to key in my name, contact and email. so i did n submitted. i got list of CC... Maybank2card, UOB One Card, CIMB Cashback and others... within few minutes, an unknown number called me. its from imoney, the so called CC consultant that can answer all my questions on CC... and even offer to send me CC application form! never thought it have changed to so advance!!! Goes without saying, there's no free lunch in this world. I went to the site for fun to try it out. When i saw leave-your-contact page... I knew it... Haha. It is free and no strings attached for this forum though.
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adele123	Mar 10 2015, 11:24 AM Return to original view \| Post #45
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(biotin @ Mar 10 2015, 10:21 AM) 1. Annual Income: 58K-60K 2. Free Lifetime Annual Fee: If possible YES. 3. Card required for: List all your needs. Doesn't matter 4. Existing credit cards if any: Maybank Islamic Petronas . currently credit limit at 10k 5. Looking at CC from: Anybank that can offer me at least 20K credit limits . Please offer me if you know any. Thanks FYI... it also depends on your credit payment history, your other commitments. try citibank. but i think if your salary amount is really that figure... i don't think above 20k is possible kua. that's like more than 4 times your monthly salary.
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adele123	Mar 10 2015, 12:13 PM Return to original view \| Post #46
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(biotin @ Mar 10 2015, 11:51 AM) No problem with payment , always pay in FULL when due . 16K is still okay , actually i just want to make 1 time off purchase , about 15k, i called maybank and they wont let increase the CL . 10k is low for you. actually you just need to fill in the form supported by income documents, submit it and request permanent increase credit limit. This post has been edited by adele123: Mar 10 2015, 12:13 PM
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adele123	Mar 12 2015, 05:49 PM Return to original view \| Post #47
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(cheerybell @ Mar 12 2015, 03:53 PM) » Click to show Spoiler - click again to hide... « 1. Annual Income: >RM24K but Slightly Less than RM30K 2. Free Lifetime Annual Fee: Yes. 3. Card required for: Refer to Others. 4. Existing credit cards if any: CIMB Cash Rebate Mastercard 5. Looking at CC from: Any which offers the best 6. Others: I would prefer cash back but I know that due to my less than RM30K PA, it is hard because my UOB Vox application was rejected 2 months ago. Therefore, I am looking for a VISA that gives the best reward points. If cash rebate, way better. I'm more of an online shopper and therefore when I buy from Luxola.com or bookdepository.com (base in UK) with my CIMB CR Mastercard, exchange rate is high and for Luxola, I am charged an extra of 0.8-1% International Transaction Fee. Last but not least, I buy flight tickets from time to time on behalf of my company. I thank you in advance to all the sifus here. Looking forward to your suggestions. maybank 2 card worth a try. Doesn’t work with luxola though but you can use amex to pay on bookdepository. If you really just want online shopping, the cards with 1% rebate won’t be any better than cimb. as for reward point cards, all of them probably just x1 points, nothing special. Or reapply uob vox in a few months time.
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adele123	Mar 12 2015, 05:51 PM Return to original view \| Post #48
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(sevendogz @ Mar 12 2015, 11:12 AM) 1. Annual Income: ~~RM60k 2. Free Lifetime Annual Fee: yes 3. Card required for: utility bills 90% around 5k/month, 10% others 4. Existing credit cards if any: citibank platinum 5. Looking at CC from: - 6. Others: how to maximise my return, if wise card only got RM100 back, any other better options? Will cancel citibank platinum soon as the rewards and benefit is slashed more than half.. aeon watami, wise, maybank 2 card, ocbc ge/hlb essential for 1% on everything... then try maximise cash rebate on each card?
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adele123	Mar 13 2015, 05:22 PM Return to original view \| Post #49
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(sevendogz @ Mar 13 2015, 05:13 PM) Any proper plan? like how allocations on each cards etc... er... you should try understand the benefits of each card right? and you know your spending pattern... i don't. for straightforward cases, those 1% unlimited less headache. the other 3 give you higher % of cashbacks but capped. i think you should go through the thread below, you will find some if not all of your answers.
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adele123	Mar 16 2015, 04:14 PM Return to original view \| Post #50
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(rapple @ Mar 16 2015, 03:55 PM) » Click to show Spoiler - click again to hide... « I believe Maybank2Card is consider as 2 separate Credit card. I've tried to apply twice when I only have one CC on hand but twice they rejected my application. Go for HLB Wise or Essential or OCBC, or Aeon Watami.. all which doesn't required income more than 30k. I believe you were rejected on other grounds. You may google but the actual BNM ruling is as below. QUOTE For those holding credit cards and are earning RM36,000 per annum or less, they can only hold credit cards from a maximum of 2 Credit Card Issuers. note the sentence mentions CC issuers NOT credit cards. Maybank2Card IS 2 credit cards. the word 'considered' is not necessary. PS: HLB Essential actually requires 30k min income. PPS: Also given how HLB Wise card and Aeon Watami card works, it's actually not meant for those lower wage earners like me and probably the other person too. This post has been edited by adele123: Mar 16 2015, 04:16 PM
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adele123	Mar 19 2015, 06:12 PM Return to original view \| Post #51
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(fly126 @ Mar 19 2015, 12:57 PM) They have already Lower the income requirement on HLB Essential, Last times when HLB 1st come out with tis card Need income RM30k p.a baru can apply... my apologies. it was 30k when i applied. and i didn't realise it was 2.5 years ago.
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adele123	Apr 1 2015, 08:58 AM Return to original view \| Post #52
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(RavagerX @ Mar 31 2015, 03:55 PM) » Click to show Spoiler - click again to hide... « 1. Annual Income: Close to RM60k 2. Free Lifetime Annual Fee: A Must 3. Card required for: Hotel booking, plane tickets, overseas transactions 4. Existing credit cards if any: MBB 2 Gold 5. Looking at CC from: Any card, as long as low upkeep/maintenance 6. Others: Currently working in Macau and mainly want to use it for traveling purposes. Feel like current cards I'm holding doesn't serve my purpose... Thank you! why is it that you find mbb2card not serving your purpose? you can go for cimb cash rebate for online transactions but the cap is probably too low... for more straightforward rebate... 1% on everything... you can go for OCBC great eastern or HLB Essential if you can fulfill the conditions, aeon watami...
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adele123	Apr 2 2015, 10:59 AM Return to original view \| Post #53
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(Kaerna @ Apr 1 2015, 07:37 PM) 1. Annual Income: RM150k, take home salary around RM110k+ 2. Free Lifetime Annual Fee: With good benefits I don't mind paying. 3. Card required for: Overseas travel, online purchase. Any transaction >RM1000 4. Existing credit cards if any: Citibank Clear Card. 5. Looking at CC from: Doesn't matter 6. Others: Consistent cash rebate offers. Easy online payment facilities. Convenient temporary credit limit increase (at least 100%) is preferable. i'm not sure if plaza premium lounge access is what you are looking for but with your income... you can upgrade to citi plat, get unlimited access to PPL (with no conditions, but selected airports) and should get very decent credit limit from citibank... since citibank is very generous.
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adele123	Apr 3 2015, 09:07 AM Return to original view \| Post #54
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(dradormien @ Apr 2 2015, 08:00 PM) Maybank visa ikhwan vs Mc ikhwan. Which one is better? Thanks there should be a difference i believe here is the thread on MBB MC Ikhwan i cannot find the MBB Ikhwan Visa unless you mean the petronas version. then it is very different. MBB Petronas Ikhwan Visa cash rebate vs 8x points... This post has been edited by adele123: Apr 3 2015, 09:08 AM
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adele123	Apr 3 2015, 02:26 PM Return to original view \| Post #55
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(labtec @ Apr 3 2015, 01:44 PM) » Click to show Spoiler - click again to hide... « 1. Annual Income: RM60K to RM100K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, insurance, bills 4. Existing credit cards if any: Citibank cash back, ocbc titanium 5. Looking at CC from: open at the moment 6. Others: I want cash back is there any new good cash back card to apply since now no more RM50 government tax? MBB 2 Card.
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adele123	Apr 8 2015, 11:08 PM Return to original view \| Post #56
Look at all my stars!! Senior Member 4,726 posts Joined: Jul 2013	QUOTE(roy azloy @ Apr 7 2015, 11:24 PM) Thank again sis ya i know it high compunded rate, major 15% P.A, what important you know the SD date and make sure pay before DD, free interest 20 day thank also for explaining what she said... You get charged interest on top up of cash advance fee the minute you withdraw... Please read t n c properly
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