If you use Wise card and pay streamyx, no rebate.

use what card pay insurance got higher rebate?

OCBC titanium with 1% cash back

very low 1%

ah... thanks.

aeon watami 3%.
or mbb2amex 5% (for tokio marine insurance).

aeon watami any promo freebies?

voucher for free dessert at watami and occasionally additional rm10 aeon cash voucher or a cute plush toy.

This post has been edited by victorywp: May 3 2014, 04:58 PM

i mean cash freebies

at the moment no...

If cannot afford to pay back the credit cards bill. What will happen? Consider bankrupt?

Bankruptcy is declared when reaching threshold of RM30K.

Not yet 30k. But cannot afford to pay already. So what will the bank do?

are you not going to pay anymore or going to pay just the minimum amount?

Not going to pay anymore

they will block your card and chase the money from you. when you are unable to pay, you will be blacklisted and unable to apply any loan with any banks anymore.

No lawyer suit?

depends on the amount of money you owe them.

Doesn't matter the starting amount, the interest charged will eventually cause the balance owed to exceed RM30K and that's when the bank will initiate bankruptcy proceedings (assuming you aren't already bankrupt at that time).

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?