u may consider Citi Cash Rebate Platinum, the benefit almost similar with UOB One Card. got promotion right now

https://forum.lowyat.net/topic/3145117/+420

same here.. TGV early bird seat.

Aeon buy RM7 stuff use cc also

Citibank already rejected me...

https://forum.lowyat.net/topic/3228541

Based on the above topic, you can actually get credit card by pledging min RM5k FD at Maybank, so you can get MBB2Cards.

<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?

This post has been edited by angelnkj87: May 21 2014, 11:15 PM

More about CCRIS: http://loanstreet.com.my/learning-centre/e...ing-about-ccris
Balance Transfer Plan: http://generationsxyz.blogspot.com/2014/05...e-transfer.html

any credit card and loans (except ptptn) will be listed in ccris.

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

if not mistaken, it will still listed there for another 6 months.

car loan finished on Dec 2013, half year already, should no more already.
also, have to stop apply card, ccris record too many card already

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

not really, if your income qualifies for a certain loan capacity (and you are still within the range) and your payment records are good, it won't affect.
however, it will somehow affect on your next cc application (rather than on car/housing loan) bcs you showed your desperation to get cc.

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

so far no problem with applying for more card

actually it will reduce the amount of your loans eligibility whenever a credit limit is given to each of your card (although you have not fully utilise it). credit limit will be viewed as a type of loan because there are chances that one day one will fully utilise all their cc's cl when they are in need of money.

ya, that why, now i got 4 cards with total credit limit about 80k.
waiting for new house launch, if ok then will buy..

uh -oh, that will be a concern

How about request to increase credit limit??

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

usually will be increased by 50%-100% but for most cases only 50%.

My sis just applied for house loan recently and her officer told her that if payment is good, they will only view 5% of your total credit card limit as your "debt"/commitment