Which bank credit who see on EPF statement ofver CCRIS status? I have late payment of housing loan and car installment.

5 yrs

I got rejected by 2 banks; ambank and Citibank. Citibank rejected once due to PDPA as my HR didn't release my info to Citibank. then the guy from Citi appealed for me and still rejected due to internal matter as my salary is around 2k inclusive of overtime but basic is near 2k too...then tried ambank n got rejected too. then I gave up n forgot abt the whole credit card thing... the today I received a call from Citibank, the same guy, cant get me thru handphone, called my office and say giving me another chance to appeal again and requested me to provide my latest payslip.
I just asked the guy from Citibank one question: are you here to gimme hope and break it up for the third time.
can anyone give some advise if this is gonna be successful? I hate being rejected 3 times from the same bank.   

Just wanna ask sifus here.

I've always been against CCs. Why? Coz I don't like to live on other peoples' money, per se.

But then I read on the positives of a CC, the rebate, cashback and whatnot.

Am I right by thinking that I should get a CC coz I can get cashback and rewards. And at the same time I can still pay the amount on time without any charges, therefore, I'd be making a saving and getting rewards.

Hmm.. thanks for any feedback.

decided to go for a CC, currently undecided between UOB One card and Maybankard 2 Card Gold

Yea but max RM50 cashback a month. Where as UOB is much much much higher cap.

That's why I'm undecided... 

hi, i would buy my first car soon. I want to apply for credit card just for fill in petrol (due to no cash or etc). Which cc will u suggest to me? and easy to pay back. Points/reward or cash back is better? my gross is rm3.7k, nett 3.3k per month

Thank you for your advice...i take the card just for buy the 1.3K phone,  i think nobody will use 1.3K CASH to make the direct payment unless they rich enough. Instead of using 0% monthly payment installment plan which default offer by phone shop, i choose to clear the 1.3K balance in 5 months and plus the benefit of new card application cash rebate, in the end i clear the balance faster than installment plan and the extra charged amount not more than it. I know the risk of bill snowball, that why i keep tracking the outstanding balance and interest rate they charge to me.

hvnt dig thru previous posts, actually how the zing card auto reload works?

it says 1.)will trigger reload if balance under RM50 2.)reload will only triger once very 24hours and 3.)3 reload options RM100 to 300, wit charges RM1.5 to RM3 respectively

does it mean tat if my card balance is now at RM45, it will triger the reload and top up to what ive set earlier (100,200,300)? and in this case top up another RM55, and il hv to pay the RM1.5 reload charge?

so in short my card will always hv a RM50-Rm100 balance.

doesnt even tell me where to set the limit, so I asume is by callin CS 

Citibank already rejected me...