I think using the card 12 times a year isn't a problem. Thanks a lot!

Guys im looking to sign up for a credit card.

Annual income : RM42k
Age : 25
Existing CC : None
Primary Usage : Online CC Purchase

Been using Maybank2u to pay all this while. Just want to set some credit history. Looking for 1 without annual fee and if possible some cash back on online CC transaction.

This post has been edited by ncool15: Jul 10 2016, 02:48 PM

You may consider two below:
- CIMB CashBack card Platinum
No annual fee, capped RM30 rebate for online category

- UOB VOX Card
Monthly fee RM6, it can be waive in one transaction, capped RM50 rebate

Annual Income: 85K

2. Free Lifetime Annual Fee: Yes, or if conditional waived, or benefit outweight annual fees

3. Card required for: cashback, promotion, discount when purchase, Airport PPL. complementary of my others card

4. Existing credit cards if any: Plat Visa Ikhwan, Plat 2 cards, Gold Amex Charge Card, Just recently 5 days approved Maybank Visa Signature, and Sadly just rejected by citibank

5. Looking at CC from: any bank

You didn't mention cash back for which categories. For PPL, you can apply AEON BiG, AEON Gold, AmBank VS or/and AmBank Plat.

On another note, any specific reasons to apply Visa Ikhwan, AmEx Charge Card?

For Visa Ikhwan: My 1st CC. Dunno, just signup cause 8X point on Groceries (I run Restaurant)

Amex Charge Card: I like the design only: like those free fake paper card that we get whenever we buy Wallet in pasar Malam. Just for the sake of memory. LOL.

I am hunting for more benefit and promotion and as collector (starting). Sad as Citibank reject.

My annual income only 85k, still can apply for Ambank VS?

Thanks!!!

Annual Income: 85K

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: Just to get fastest enrich Miles for spending on insurance and monthly installment , Monthly Insurance, & mostly on car service & car annual insurance


4. Existing credit cards if any: Plat 2 cards

5. Looking at CC from: any choice other than Maybank Premier 2 cards and MBB Visa Signature for local transaction

If you are collecting non useful cards, then your chances to get other cards will be reduced. Well, not all the time but it does affect somehow.

AmBank VS' salary requirement is only 80k per annum.

This post has been edited by fruitie: Jul 10 2016, 09:34 PM

Good advice! No wonder Citibank rejected. So sad. hehe

Any advice on HSBC?

You can also print CCRIS to check out if anything wrong.

I don't like HSBC and none of the cards attracts me, not bothered to check further.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must or with minimal swipe

3. Card required for: Petrol, Cash Back/Reward point For Petrol, TAG, movie, online shopping and dining, total expenses not more than RM1k per month

4. Existing credit cards if any: First card to build some credit history

Thank you!

I checked already. All 000. Maybe no fate with them lol

Maybe convert you Ikhwan Visa to Ikhwan Mastercard to get 5% CB on Petrol Groceries spend at Fri/Sat

Is it got Reject on Citibank Platinum (Unlimited PPL Access)...???

HSBC Amanah Credit Card-i

HLB Mach or CIMB Cash Rebate Plat. Mastercard

This post has been edited by fly126: Jul 11 2016, 12:46 AM

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Must or with minimal swipe

3. Card required for: Petrol, Cash Back/Reward point For Petrol, Utility bills

4. Existing credit cards if any: UOB One card & Maybank Visa

Thanksss

hello,

what is different betwwen outstanding balance and statement balance?

statement balance ex rm900..but the outstading balance show rm1100..if i pay only full for statement balance, do bank charge for the rm200 different between statement and outstanding balance?

still confius..help!!

Statement balance is what you ought to pay in order to avoid interest.

Outstanding balance is the total credit usage as of the system update.

that mean i need to pay FULL statement balance only to avoid interest right?

Yes, before due date.