Hi, first timer want to apply cc,lots thing still unsure

1. Annual Income: how to see annual income?sales agent no basic, if based on commission up till now from Jan 2014 is >RM40K

2. Free Lifetime Annual Fee: A must I think, as getting cc just to keep for emergency use

3. Card required for: emergency use, but would be nice if have cash back/rebate/reward for all day(not only weekend) petrol, groceries, cinema, etc, and for car loan(next few months), if pay cc bill during the interest free period, is there any other fee other than the bill amount itself?

4. Existing credit cards if any: Nil.

5. Looking at CC from: preferably from maybank as own saving acc there and also seems only maybank have ezycash with 0% interest just incase emergency need cash(how fast is the ezycash?)

I'm working sales agent, no basic pay, no pay slip(only commission statement), no income tax also, will I be able to apply and get cc?

If I never use the cc, will I get charge?not really understand about minimum monthly payment.

Thanks!