Will it affect my credit rating if i used more than my allowed limit and only pay the following week but still within the last day to pay

The best card for a first timer, IMO will be OCBC Blue/Pink Mastercard. Not the best in terms of benefit, at least it is simple to use. Whatever you spend, you get 1% back.

thank you for the reply. Will they charge a late payment then?

While filling out employment application form... my possible future employer asked...

1) are you financially in debt?
well... i'm debt free except for the BT 0% to Maybank... it does count right?

2) because one of the details required are, type of loan. so BT is what type of loan?

EDIT:

3) they ask if i have any financing facilities with BANK xxx?

so... does credit card falls under financing facility or not?

thanks. if having done BT doesn't count as i'm in debt, i dont need to answer further on what 'loan' i have. unless there's a 3rd person who disagrees and says BT is in a way putting me in the group of 'financially in debt'.

Hello Sifu-s, can I know holding multiple cards will affect one's credit score? how's the formula looks like? 1 card = RM200 from your gross salary ?

Hello, may I ask, is it possible to pay car loan and other rentals via credit card?

I usually pay my car loan and rentals using online transfer..

Thanks

Hi, want to ask about applying credit card.

My salary has about 2500. I want to apply the card for petrol, dining and shopping. But each transaction I will never make it more than 500. But most important is petrol cause I travel a lot. I heard there's some cash rebate for petrol. And maybe dining as well.

Applying need at least about 3 months bank statement. How do I make my statement to qualify to apply card? Mind sharing how do you all apply? What I need to prepare before applying.

Rm500, 000

please reply my question. how come bank didn't call or do any verification even to my phone or company prior approval.

Oh. I apply with both banks. First time to own CC to be exact. One for Rm500k. Another for RM350k. What i feel weird is both banks dont call for any verification prior approval.

Or maybe i apply through online and someone from sales department ask me to fill the form and fax. I got my approval within 3 days for both banks.

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?

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

but how they charged to me. I don't have an account, how they notify me?

Still not billed yet, i now have 2 unbilled transactions, one is a wedding ring which costs thousands and another one are gift that i bought from overseas . I have the transaction slip with me.

I've just received my current account statement as of today and its not showing.

My current limit is healthy and i have 0 debts   

normal citibank credit card or maybank 2 card better?
most used on petrol (not caltex or shell), eating (not high-classing dining la), movie, tesco or jusco, and shopping (h&m, cutton on, padini)

wanna ask for the 2nd year:, if the statement has listed the GST & Annual Fees and the bank can't waive it for me

So now I plan to cancel the card
1) GST I no need to pay as long as I no use
2) Annual Fees I must clear it before cancel?

thanks

is it important to have CC when travelling overseas?

Im going to japan on next week and wld like to check with hsbc n uob holders where i asked hsbc they told me there is add 1%admin fee for every transaction made. But for uob is only based on currency real time rate and no add charges. Is this true?

Hm.. i just want to confirm tat it is the whole hong leong bank ebanking platform, and not just me alone suffering.. haha.

well if tat is true, tat is very lousy of hong leong ebanking platform.. considering that this is considered a big bank in malaysia.. but facilities is not so big after all...

i had checked.. rhb mbb and pbb online ebanking platform enable me to select tnb syabas and many more other vendor for credit card payment..

Looks like those hong leong bank wise card with rebate option on utilities selection will sound stupid.. u need to pay at kiosk.. waste of time n petrol n parking and all the hassle..