You will need documents to prove your side incomes.

Bank statement is eligible to prove it right?

Yes

Thanks for sifus' help

for the renewal of credit cards when it expired, will the bank renew it automatically? or we need to request/apply manually with proof of income again?

usually bank will renew it automatically.

So is it more costly to own credit card now or after the implementation of gst? Or nothing been finalised yet?

If you have an Annual Fee of RM834, it will be charged 6% GST post implementation (equivalent to RM50).
Any card with Annual fee less that RM834 should be 'less costly'. This is with the assumption no other bank services is being used.

Let's say I have 2 credit cards under Bank A. The outstanding balance for each cc is RM1000. Can I pay RM2000 into one cc only? Does that count for paying for both cc? Or will I get charged for late payment and interest for the other cc? Tq.

2 different credit cards under the same bank is consider 2 different accounts though they share the same CL, so you have to pay 1000 into both CC account or else you will be penalized for late payment.

Thanks for reconfirming it for me

I just published my annual collection of credit cards titled My Credit Cards and Bragging Rights 2015. This year I still have a total of 16 cards and paying a lot of GST for nothing Yah, crazy me, hahaha

For those of you who missed my article The Best Top 10 Credit Card in Malaysia - Ultimiate Showdown 2015 - click here to read it. And if you have yet to get the Maybankard 2 Cards, well in this article I will show you why it is freaking fabulous for essential expenses and even for booking low budget hotel rooms anywhere on earth.

Looks like I need to cancel my OCBC and move on to M2C.

What's the reason that holds you from not getting M2C?
That's the only combo I have been introducing to everyone.
Last time was M2C+OCBC Ti, nowadays OCBC Ti is basically useless unless your swipe big amount.

I hardly shop on weekends.

Even weekdays swipe AmEx is better than OCBC Ti.

Well, i basically used it to purchase air ticket for my boss and his friends. Annual swipe around 20-30K plus another 10-20K on office equipments etc. Just that sometimes forgetting to pay really make those rebate hangus.

I was turned down by MBB for not submitting some docs

actually you may just call the cs to waive all the finance charges or late charges. most of the time they will waive it for you. i forgot to pay many times but so far i never paid any charges because they waived for me after i call.

It was getting annoying afterall. Im not gonna waste time calling to waive RM15 anymore. Time to move on.

After deduct the GST for principal + supp + late charges, really nothing much left.

if i wan to apply for citibank credit card is it hard to get approved?
i have apply for it and come back rejected twice.
but before this most my friend apply citibank sure all reject.

why ya? :star: :star: