perhaps you may consider aeon watami cc (visa). 3% quarterly rebate for total quarterly transactions between rm3k-rm5k.

I already have Aeon Watami. Aeon watami is not sufficient for my big overseas transaction.

perhaps you should ask your spouse or family to apply another aeon watami so you can double up your usage capacity.

UOB One Card or Citibank Cash Back Platinum better? Currently have UOB Plat but expiring in May 2014

uob one card max cb rm25 @ rm500 per month, cb credited every month, additional 2% smart$ for bhp, 10% smart$ for gsc.

citibank cb plat max rm30 @ rm600 per month, need to accumulate rm50 to receive the cb.

Hi bro , i had been rejected by HSBC , CitiBank and Hongleong wise card . i got my basic 2900 + allowance . my background is very clean coz i just work around 1 years including 4 months in recent company. i got no any housing loan or car loan . Why so hard for me to get one credit card? Any bank is the easiest for first time to apply cc ? i need help ...

As I Replied You Early at the Hong Leong Wise Card Thread U Have Rejected by ALL the Bank Reason of:

The Reason Why the Banks Have Reject Your Apps: You Don't Have a Stable Job Yet, due to You Baru Tukar Kerja...

Usually, the Bank will Reject the Applicant Who on his/her NEW Job within 6 Months (Maybe still on Probation) Not having Stable Job yet, Even EPF's Contribution also the Bank want to See You with min. 6 Months Records before They Consider to Grant U a Credit Card ...

Why U want a Credit Card in such Hurried...???

But Anyway, You can try to get UOB Card or RHB Travel Money CC They Evaluation are More Lenient Compare with Others... , Build up Your Credit History 1st & You will have More CCs, Later on ...

This post has been edited by fly126: Mar 11 2014, 02:09 AM

I have epf from 2013 till 2014 every month . I have confirmation letter too . UOB one card is easy for me to get first ? how about public bank and standard charter?

What I Mean Your New EPF's Contribution on Your NEW Job the Amount is Different from Your Old One, Isn't It...???
U have to Know that Nowadays, the Banks are More Stingy than Last Times... Now, they want to see Your Latest Income Proof...
Even They will Grant a CC for You, Trust Me Definitely With Very Low CL...
Believe Me or Not, I Even get a Card from HSBC with CL $2000 Only (Tiada Cukup for Me to Buy i-Phone)...

What U can Do Now:
I) Must Project Yourself a Stable Image
You Must Understand that, The More Settled & Stable You Seem... the Longer You have been at Your Current Address, in a Job, the Better or Higher Chances to Get Your Loan/ Credit Card Approve...
II) Limit Your Apps
Never or X Apply for Maybe more than 2 Credit Card or Loan Deal at the Same time...
If the Bank sees that You have applied for 3 or More Cards/ Loan in a Short time (they can See It on Your Credit Report), They Will Assume You're in Desperate Need of $$$... Desperate Ppl Don't make Good Credit Risks / Not a Good Pay Master, For Sure Your Apps X be Approved...lah

So, Pls Don't Rushed for Multiple CC Apps at the Same time, Maybe U can Wait for Another 6 Months (Cooling Period) Later, U Can Submit a Fresh CC Apps with Your NEW Stable Look...

This post has been edited by fly126: Mar 12 2014, 01:33 AM

yup , correct . but my salary is about the same . never get lesser than previous . If i do apply in the same time , does the bank know i am applying for both bank together ? i do not have any loan and cc yet , tat why i feel hard to apply . i have stable current address .

1. Annual Income: > RM70k

2. Free Lifetime Annual Fee: No

3. Card required for: Primary - Supplementary for Maybank2Cards Amex gaps (non-weekend spending/non-AMEX accepted merchants). Secondary - As I dine out often, a card which has discount for dining outlets is important (Hence why I listed banks which has them often). Bonus if there is lounge access in KLIA, but not important as I don't really have time to enjoy anyways.

4. Existing credit cards if any: Maybank 2Cards Plat

5. Looking at CC from: CITI/HSBC/SCB/UOB/OCBC/CIMB

6. Others: Please be specific - Also looking for a way to maximise certain type of spending e.g. Dental treatment/Non-online hotel booking/Car workshop swipes. No premier/infinite/world cards as well, I won't qualify.

Thanks.

Yup, They will Know coz the Bank Submit the Report every Month to Bank Negara...
ie, Now is March They can View Your Feb Report...



This post has been edited by fly126: Mar 11 2014, 11:32 PM

Oh no ... i just apply 3 banks and fail all . really pissed...

All You Need Now just a Cooling Period maybe with a 6 Months times Better
Do a Fresh App, I Bet You will Get Your Preferred CC, this Time...

I) HLB Wise Card (NO Annual Fee Waiver: $160/$300)
You can Enjoy 10% Cash Back Everyday with Your Spending from the 10 Categories as Below:
1. *Mobile
2. Pharmacies
3. Groceries
4. Petrol
5. Dining
6. Departmental
7. Book Stores
8. Utilities
9. Entertainment
10. Travel
* Bonus Category
Need...
- RM10 Switching/Subscription fee if you want to change category
- 10% Cash-back only applicable to 2 Selected categories + Mobile (by default)
- Need Min. RM50 spending per transaction to Enjoy 10% Cash Rebate & the Cash Back Capped on $100 Every Month
https://forum.lowyat.net/topic/2760395
OR
II) HLB Mach Card- Annual Fee Waiver Subject to 12x Swipes a Year
You can Enjoy Cash Back Everyday with Your Spending from the 12 Categories as Below (Get 1 for Free...12 All's from Movies to Dining):
1. Movie -10% All Cinemas
2. Music & Events - 3% Ticket Pro , Air Asia RedTix...
3. Nightlife - 2% All Bars & Nightclubs
4. Dining - 5% All Dinning Outlets
5. Style - 2% Uniqlo, Cotton On, Forever 21, Zara, Topshop...
6. Groceries - 2% All Grocery Stores
7. Departmental - 2% Parkson, Tangs,Metrojaya, Isetan...
8. Health & Fitness - 3% Fitness Concept, Fitness First, Guardian, Watson....
9. Mobile - 3% Maxis, Digi & Celcom
10. Tech - 2% All IT Stores
11. Travel - 1% Air Asia
12. Online - 1% All Online Spend
But...
Need to pay RM5 Subscription Fee every 3 Months to enjoy additional categories of Cash Back of the Card Or Cash Rebate of 0.2% will be Rewarded on all other purchases as above mentioned+ Also NO Rebate on Petrol...
For Details: http://forum.lowyat.net/topic/2421215
OR
III) Just Plain OCBC Titanium Card with 1% Cash Back on Everything + Free for Life with No Annual Fee

This post has been edited by fly126: Mar 12 2014, 01:39 AM

Edited.... 2X Post

This post has been edited by fly126: Mar 12 2014, 01:34 AM

Hello,

Read your articles on your website, and as they are a couple of years old wonder if you have any update. My details for your recommendation is as follows:

1. Annual Income: More than 180k/annum

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, dining, travel, lounge

4. Existing credit cards if any: HSBC Signature, CIMB gold

5. Looking at CC from: Anywhere.

6. Others: Want to open a private banking account also. so if got recommendation for a good bank for that will be good to and if it comes with the CC even better.

Thanks.

try RHB CC. Some other forumer says might be easier to approve but think that based on what u say, u should get a Credit Card cos basic is almost RM3K already. DanielCullen, over to you.

Guys need some help here

1. Annual Income: RM65k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly Petrol ... bills

4. Existing credit cards if any: MB2C, OCBC Titanium, WATAMI

5. Looking at CC from: Anywhere

6. Others: Trying to get a card to cover my petrol expenses on weekdays ... WISE not for me as I don't think i can hit that minimum RM 50 per transaction and 10 swipes thing ...

uob one card or citibank cash back platinum. 5% cb on petrol.