Hi guys,
For cashback, is Hong Leong's offerings the best?
If HL Wise vs HL Mach, which is better?

hi guys..i wan to apply a credit card but i dont have epf..can i just apply credit card with my 3 month payslip and income tax as my supporting document ? half year ago i was rejected by few bank..im a commission earner with around 5k salary..can anyone pls giv some advice for me to get my 1st credit card ?

Hi, i want to ask about the card interest rate for new card member. I just take public bank credit card for few month and it charge me 18% interest rate per annum even though i didn't make any late payment before. When i call to ask PB customer service, they reply me that every their new card member is charge 18% interest rate per annum until their management review and do credit checking on the account, then only it will reduce to 15% interest rate per annum. I did not found any statement or clarification like this at their website or card product disclosure. Is this true and fair?

every month i pay more than minimum payment...sometime is 1/4 or 1/6 from the outstanding balance, becoz i plan to clear the 2K outstanding in 5 months time. So that means if i pay minumum payment for 12 months consecutively and no late payment, then only they offer 15% pa? Becoz i check from my card product sheet, the interest rate tier is 15%, 17% and 18%. I just hope i know about this before i apply the card.

Guys, check with you. Here is my profile.

I've been working in Singapore for 2 years already, currently I'm holding CIMB Master Card for couple of years and it will expire on October this year. I'm thinking of changing to another banks credit card as I don't really find CIMB credit card useful in terms of cash back or installment plan.

I'm actually looking for a credit card that have the flexi installment payment whenever I purchase an expensive stuff, or have cashback on petrol and maybe daily grocery like Guardian, Watson etc. So need you guys to recommend me which one I should go for it.

And one question, for bank to determine my salary, is it a one to one conversion. For example, having salary of $3.5k in SG, when malaysia bank needs to evaluate the credit card, they eventually will review the salary as RM3.5k, is that true?

Thanks for the link. And also for my curious despite I have read the links given, in what made you recommend this cc to me? Possible to get cash back on BHP petrol?

Thanks for the clarification. Just wanna check one last with you. How about the installment plans? Can the fees be seperated into 10months, 1 year etc installment plan after purchase?

I remember last time I had the petronas maybank visa credit card few years back and I was able to convert my purchase into 12 months installment plan.
Ever since I cancel that card, I always suffer in paying the thing in a shot using CIMB credit card. But one question though is, you mention this is AMEX card right. Sorry for being stupid here, is this a Master or Visa card as I remember we have issue using AMEX card here in Malaysia that lots of vendors and restaurant are still not support this AMEX . Also, I cancel the credit card before, will it cause any problem if i reapply any card from Maybank?

And one more thing that I mention before but no one able to answer till now. Will they review my salary as 1 to 1 conversion basis? For example:
SGD 1 to RM 1 ? Thanks
Thanks for the "Maybank ezypay plus" term, this is what I need to google for it.

Yesterday went to BHP for petrol, due to terminal is unavailable so need to walk in to the counter for credit card payment.

Saw one guy bring a credit card (not sure what is this card, its black color with Amex, Citi Amex???) need to swipe for petrol as well, but staff told that unavailable for that Amex card, then the guy walk away and i asked the staff, why no accept for Amex? the staff then told me due to system error...

No idea what is this mean system error, but I have succeeded swipe for MBB Amex previously, have you guy experience this before at BHP station??

No, I mean I have done transaction with MBB Amex at BHP station before.

Yesterday used for UOB card

Public Bank Launched PB Visa Signature Credit Card

http://www.pbebank.com/corporate/cnt_press393.html

Any early birds?

you mean getting both hong leong + maybankard(2 cards) are better than the two that i currently having, correct?

i'm more swiping more on groceries, petrol, insurance and some online buying/intallment....

if getting both mean i wil have 3 government fee to pay right per year unless it can be waived = RM150.

Haha, I have did the same thing before, went to Jusco and buy bread cost RM2.50, earn point and 5% rebate, but this is depend whether many ppl queue up or not. Otherwise, just use cash..

<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?

for car loan already finished pay, will no more appear in ccris?

will having too many credit cards affect loan (car/housing) loan application?

okay thanks. so having too many cards will not reduce the amount of loans eligibility.

so far no problem with applying for more card 

How about request to increase credit limit??

Is the credit limit will be set up to how many % based on the salary range?

etiqa can go to branch, accept amex

on the complimentary cards given by certain banks, will they be given on the spot or need to declare the income statement?