With the OCBC Titanium now offering only 1% rebate, I'm planning to cancel it.
Question is:
1) which card should I replace it with? (will use for F&B and shopping)

The reason being i went with OCBC Titanium = had 5% rebates (though not everywhere) but still 5% was pretty darn good..now 1% flat - defeat the purpose of me getting it.

Added:
Would you say that Allianz Bank's You:nique card is similar to OCBC's Titanium?

fellas, im still new to credit cards thing as i have never applied before.
but wat i want to ask is this section in particular. What do you mean by Complimentary Travel & Accident Insurance??

does that mean if i go oversea for travel my insurance is covered over there and don't have to purchase oversea accident insurance??

i see, and every bank's coverage amount varies right?? how about supplementary card holder? do they get the coverage as well if they charge the travel fares to that sub card??

Ok...but I dun reach 30k I only hv abt 27k...n tis is my second application. If I cant get tis 1 maybe I'll try sometime around end of tis year. Guess I'll just hv 2 wait n c. Btw. Thx 4 ur advice

Is there a way to check cc application status online?  I called the officer n he said cld only let me noe by Monday or Tuesday.

I don't have any payslip and epf...but I able to proof my bank has 4k+- saving per month...do I able to apply any credit card ?

Hello, hope i'm in the right part of the forum. I want to apply for credit card so i could buy a laptop for my college life by monthly payment but i work as a freelancer - roughly around RM2K a month, 18 years old..so i dont have slip gaji. How can I apply for this? Thanks

wah? which means i need to ask my parents to apply for me?

my main salary is RM1.4k and
i helping my dad as part time, salary is RM 900

1.4k got salary slip ---> epf + socso
900 no slip  ----> epf ( plan to make my own,but donno need to put socso for how much)

EPF account inside total got RM34k, every month got caruman from both company.

can apply at which bank? i asked maybank, but they say now need 3k salary only can apply credit card..

now only need 3 month salary slip and epf statement?
so i have to prepare 3 month slip from each company izit? do i need any other doc to get better result?

Hi all,

I was informed that my application for Citibank PremierMiles VISA Signature was rejected today.

I am very aware of the requirement of minimum annual income of RM60K for PremierMiles VISA Signature. If based on my 2013 (monthly salary <RM5K), my annual income (including bonus) is still more than RM60K.

My current salary (2014) is >RM5K
Car loan paid off in 2011.
Another bank - Home flexi loan RM600K+ approved in June 2014
Another bank - Platinum card holder since Oct 2014 (credit card statement always cleared in full before due date)

I submitted the following documents:-

( a ) Dec 2013 - March 2014 salary slips
( b ) Increment letter January 2014
( c ) EPF statements printed out from Citibank's EPF Kiosk

The sales person told me that he/she does not know the reason why my application is being rejected but he/she will appeal for me. I asked, if you don't know the reason, on what basis do you appeal?

I even dropped by Bank Negara Malaysia to check on my CCRIS and conduct a CTOS self check report today. No issue at all.

Anyone can shed some light on my situation? How can I find out the real reason?
Many thanks.

im just wondering which bank CC is widely accepted worldwide, especially in Jpn. pls advise

I have also applied RHB and PBE at their sign up booth at 1Utama. But it was almost 2 weeks ago, until now i don't know whats the status. They have not send me anything or call me. Please advice, was my application rejected?

I have also applied RHB and PBE at their sign up booth at 1Utama. But it was almost 2 weeks ago, until now i don't know whats the status. They have not send me anything or call me. Please advice, was my application rejected?

just would like to know which bank is more lenient or generous in approving credit card application provided I have no credit card at the moment. would like to use the card for petrol to earn cash rebate. I tried applying in February but was rejected by ambank and Citibank. should I try another bank or try next year would be better?

can I pay my car installment using amex? which one should i choose between mstercard and visa?

Just now when to Tesco Extra Sungai Dua. During payment, in front of me, there was this auntie and she bought RM 2.50 stuffs.

When she was about to make payment, she paid using a card. Not sure if it's a debit or credit card. I was like WTH!

<Getting a credit card is good, so that you can create a CCRIS record in the BNM system. After age 30, if you don't have a CCRIS record, borrowing money from financial institution will be quite hard, unless you are working in MNC, public listed company. Kuci miao SDN BHD company, you will have hard time for your loan application, unless your company is reputable enough.>

    may I know what is CCRIS? I don't have a credit card but I have car loan with HLB and approval with no guarantor...will that add too the CCRIS record? Would like to learn about balance transfer too...how does it work?

anyone?