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

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michael1208
post Jan 19 2014, 03:47 PM

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Hi all the experts here, would need some advice and recommendation for most suitable CC.

1. Annual Income: 30K (just worked for 4 months)

2. Free Lifetime Annual Fee: Waive-able

3. Card required for: Dining, Shopping, Movies and Groceries

4. Existing credit cards if any: None

5. Looking at CC from: Citibank/ CIMB/ Maybank

Checked through the threads here and noticed that CIMB DA is the most suitable for fresh grad. Could I apply at Sunway Pyramid's branch? Use to go there quite frequently.

Has applied for Citibank Clear Visa since 6 Jan (love to watch movie, so go for that card), called CS today to check on status and she told me that my application is still in processing, not found in the system. I rmb agent said about 2 weeks, maybe there's too much of public holiday rclxub.gif oh well, seems like might got rejected.

This post has been edited by michael1208: Jan 19 2014, 03:48 PM
michael1208
post Jan 19 2014, 05:51 PM

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QUOTE(Gen-X @ Jan 19 2014, 04:51 PM)
Firstly, soon all Direct Access cards will be converted to CIMB cards.

The Clear Card is good for movies. If your application is still not shown in the system next week. Go apply online directly via Citibank website. But please be aware, the Clear Card FREE Movie Benefit is really good if you go to the movies every week with a partner but many have reported it is tough for the annual fee to be waived for subsequent years. So, if you really go to the movies every week, the savings you get is much more than the annual fee and you would be more than happy to pay it. But if you go to the movies once a month, then different story, no point getting the card. And Citibank do have many promos for shopping and dining but that is to entice you to spend more.

For general usage and on weekends, the Maybankard 2 Gold card is really good for spending up to RM1000/month. The MBB2 Amex earns you 5% cash back every Saturday and Sunday plus 5X UNLIMITED Treats Points everyday. The 5X TP itself is already very good. It works out to be 2% cash back based on 12,500 TP = RM50 cash voucher.

Click here to read my article The Best Cash Back Credit Cards Combination 2014.

ronnie did an excellent job compiling places that accepts AMEX, click here to see where AMEX cards are welcome.

If you decide you want to get the MBB 2 Cards, click here to Maybankard 2 Cards Thread, and read at least the first 2 pages and most of the answers to your questions will be answered.
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Hi Gen-X thanks for your response. Yeah, actually I applied online. An agent followed up with me, submitted the application form + 3 mths payslip + EPF statement + copy of offer letter. It's already 2 weeks. Yep, I go to cinema for at least 5-6 times per month that's the card I am looking for, but wouldn't know will get approve or not.

Yeah I checked CIMB website that it will be rebranded to CIMB cards. TnC for application remains the same. Would like to know from those who are familiar with CIMB, whether this Platinum DA can be applied at Sunway Pyramid branch and get 1h approval, rather than keep waiting for another 2 weeks like CTB.

AMEX is one of my consideration too, will check out tonight. Which location would provide the fastest to approve as I just dun wan to waste so much time waiting and waiting again.

Let's see if the CTB's agent will call me again tmr.
michael1208
post Feb 6 2014, 01:17 AM

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QUOTE(Gen-X @ Jan 19 2014, 08:36 PM)
OIC, you applied online, I am surprised it is still not in their system. But since you do go to the movies every week, worthwhile to wait and even resubmit the necessary documents if so required.

If not mistaken, only Premier cards like Visa Signature or World MasterCard/Visa Infinite can be issued "on the spot" at Sunway. And since I am a nice guy, I am going to give you link to my article created to cater for your request tongue.gif

Click here to read my article One Day Approval for CIMB Premier Credit Cards and Maybaybank 2 Cards.. In this previous article, you will find CIMB Card Centre at Pyramid and Maybankard Centre at 1U contact numbers. Call the CIMB Sunway Centre for more info and go early to 1U to apply for the Maybankard 2 Cards where you will get the cards in 2 hours or less (call them and ask what docs they need).
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Thanks to all sifu, both CC approved by Citibank on 21/1 =)
Every Friday is a movie festival =D


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