u borrow RM5000 or RM12000 ? Whole applied process done via online or need go to branch settle ? now i got 50k ptptn loan dont know is hard to approved or not.

It depends on your approved limit. 60% of approved limit.
I applied everything via online. Well, if you have been paying your PTPTN loan diligently then no issue.

Which credit card u applied ? any suggestion for cc ? Amanah , vs , vp ?

I applied for Amanah because earlier VS wasn't attractive. Right after I got the Amanah then VS has changed its benefits. For me, VS suits me better and I added VS as well later.
I will cancel Amanah within these few days.

now i could not decide which card to cancel, i also have the same two cards, amanah and VS.

Got my HSBC Visa Signature after 2weeks of apply ,
So , does Signature get 8x point when spending in Midvalley like Platinum ? abit confuse as i only see 5x for mall on the brochure? but the SA told me it was 8x last time

I thought you mentioned Amanah suits you better?

yeah, but come to think, almost zero chance to use amanah since already has so many cashback card. plus visa signature seems to be more prestigious than amanah.

How you apply ? I apply online but did not receive any call from hsbc .

It was 8x but now 5x only. 8x only applicable on overseas & online spends in foreign currency.

Is there a thread for Alliance Bank cc?
Why aren't more ppl interested in their non-expiry TBP - Timeless Bonus Points ?

https://forum.lowyat.net/topic/2474465
Long time no Update...

pass by and apply at Midvalley one . get the 12k CIP also...

Hi 1st time apply credit card. Can some one explain what its mean fixed montly management fee?
Im applying HSBC MPOWER VISA PLATINUM CREDIT CARD

Did the hsbc guy have give u name card or contact? because i apply online , still did not receive any call .

U should drop by the booth at midvalley. They are there 24/7

The Actual Management Fee was Imposed on the Outstanding Balance for the Amanah Credit Card-i will be based on a Tiered Pricing Structure in accordance to Your Repayment History by IF Making only Minimum Monthly Payment just Same like Paying the Card's Interest.

Actual Management Fee (Islamic Bank) = Credit Card's Interest (Conventional Bank) Both are Similar.
If, You Settle Your Outstanding Balance in Full...There will be NO Management Fee (Interest) Charge on YOU.

Settled my final two months of 0% cash installment plan and called to cancel my Amanah card. No intention to keep the card as my anniversary month is coming and SST may come soon.

just cancelled and amanah card. finally decided which card to cancel.

amanah need to spend min rm2k to get 8% rebate which to me it almost impossible to do so.
2% if below rm2k is totally not attractive to me.

at least visa signature, although i hardly travel, but maybe one day i can still utilize the benefits of the airport lounge.

besides, the CSO is so good, he offers to combine the credit limit of my amanah to my visa signature. now both cards are having same credit limit. so my visa signature will have 2x the credit limit. haha.

The CL given for me is just nice and I won't use this card at all except for PPL.
Every month spend RM 1 with it.