Yup and if i am not mistaken, cimb charges such fee too.

My income rm33000/annum not include commision and allowance . If i having one max out credit card amount 5k now and car loan monthly 700 . If i apply for second card is that possible for it to approve? CCRISS all 0000 .

i try DSR calculator . i get 34% .... what does this mean?

Where to get this DSR calculations app? Anyone know where to dl?

Oic. Tot got the apps can try itself

Anyone have both public bank conventional credit card and public bank islamic credit card?

Can share whether public bank offer separate credit limit or combine credit limit for conventional bank credit card and islamic bank credit card ?

I would prefer some one who have the cards to tell the confirmed answer.

I asking credit limit, no asking which cc worth to try.


Since u asking me this question. Let me ask bsck u the same question, Is there any rhb islamic cc worth to try?

which samsonite promo is that? still available?

which credit card dont need pay gst fee

oh okay, maybe this one thru agent.

Hi guys,

Here's my situation. Need your advice what would be next card to go apply/cancel.

Currently holding and using it for:-

1. MBB 2 card AMEX: phone bills are assigned here. I'm using AMEX whenever I can. By the way, I lost the other second card (Master) if I'm not wrong.

2. HSBC Amanah Platinum Cashback card: I'm using this whenever merchant does not accept AMEX.

3. OCBC Cashback Platinum: I'm using this whenever merchant does not accept AMEX and my insurance monthly repayment are tied to this card.

I'm looking forward to maximize my cash back. What would be the best combination of cards out there? Should I cancel HSBC/OCBC cards and change to something else?

Looking forward to hear from you guys. Cheers.

any idea roughly the maximum amount of credit limit given an individual? for example the total of credit limit regardless of number of credit cards - 10x of salary?

I mean accumulative credit.

Bank A - 2x
Bank B - 3x
Bank C - 1.5x

will having too many credit cards hinder loan application in the future?

But what if all credit cards was fully settled on time? Doesn't it actually showing you have a clean/good record?

Hi boss, just curious.

Would it be a bad sign for banks if I apply for several cards at the same time?

I am not in debt, just wanna utilize more cards for cashbacks and benefits.

All my current cards are fully settled before statement date every month and I don't have any car loan and any form of liability.

What I earn is what I get every month after deductions to EPF/etc.

I will be paying for a medical bill of >rm40k in July. I am seeking suggestion from fellow forummers on which creditcard or combination of cards would give the max cash back. Thanks

Self-insured now, operation@IJN, currently holds MBB2, PBB-VS, HLwise, CitiPM, CIMB-MC-Plat, RHB-MC-Plat, Watami, Aeon-Gold, OCBC-MC-Blue and HSBC-Amanah.

Will use rm5000 on Watami. IJN accepts MBB2Amex, so 5xTP equivalent to 1.25%CB? OCBC GE card earns 1%CB without capping? Thanks victorywp. Any other choice?

Hi, 2 or 3 months ago, I applied UOB credit card, but there is no news or no one calling me regarding the CC application, so I assumed it is not approved and already apply for other bank CC ( and obtained it extremely fast within one week)

The problem is, UOB jz sent me the CC which I dont want anymore.
Can I jz ignore the card without activating it? will it charge me annual fee although i didnt activate? or i need to call them to cancel the card?

( I never receive any UOB call/ email/ sms so far)