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 Recommendation for Credit Cards V3, Please post according to Format stated.

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fruitie
post Dec 17 2016, 10:20 PM

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QUOTE(brianw87 @ Dec 17 2016, 09:27 PM)
Can anyone tell me what is the easiest credit card to apply?? got fed up with rejection.
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Have you checked your CCRIS?
fruitie
post Dec 18 2016, 11:54 AM

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QUOTE(drbone @ Dec 17 2016, 11:50 PM)
What's the best way to check?
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I usually just walk in to BNM and print from kiosk.

QUOTE(sia1990 @ Dec 17 2016, 11:58 PM)
Anyone?

Is public bank visa signature the best card for me?
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Obviously no. PBB VS needs at least income of 100k per annum.

QUOTE(brianw87 @ Dec 18 2016, 12:22 AM)
Yes, empty and clean. Because I have no loan and no debt.
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With loan, doesn't mean your CCRIS is no good. Only if you are not a good paymaster. Sometimes no loans or any credit history is not a good thing too because banks do not know your credibility.
Well, for a start maybe you can try with your salary crediting bank?
fruitie
post Dec 22 2016, 01:36 PM

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QUOTE(55665566 @ Dec 22 2016, 01:06 PM)
Need help

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Better to have

3. Card required for: Petrol, Online Transactions, Cash Back/Rebate, Bill Payment, Free LCCT Lounge Access (Not a must).

4. Existing credit cards if any: UOB One Visa, UOB VOX, RHB Visa SmartValue.

5. Looking at CC from: Maybank? (I interested in the GTR by GenXYZ). Any advice?
https://genxgenygenz.com/2015/12/29/maybank...isa-mastercard/

6. Others:
- Want the best CC for fresh graduate.
- Can cancel all current cards when found the most suitable one.
- Monthly expenses of 1-2K on UOB One currently.
- Loyal Customer of Maybank.
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Income below 36k per annum, you can only have two issuing banks' cards. In your case, you will need to cancel either RHB or UOB first before applying new card.

UOB VOX no longer gives cash back, convert it to UOB YOLO for online transactions and bill payments.
fruitie
post Dec 22 2016, 01:44 PM

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QUOTE(55665566 @ Dec 22 2016, 01:39 PM)
Lets say I cancel all my current credit cards.
Yes I knew about YOLO, just waiting for chance to change.
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Petrol - Maybank Ikhwan MasterCard and Visa. - Minimum salary requirement is 30k per annum.
Online transactions already advised you to change to YOLO.

PPL - Gotta wait till your salary upgraded to 36k p.a. for AEON cards.

QUOTE(irenehwa91 @ Dec 22 2016, 01:39 PM)
How about OCBC 365 credit card? will it be better than CIMB?
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No, that card is with AF and not as good as CIMB CR.
fruitie
post Dec 23 2016, 11:44 AM

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QUOTE(air_mood @ Dec 23 2016, 11:32 AM)
This card also good for air miles redemption?
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No. It doesn't have that. You can try looking into CIMB Enrich Plat for Enrich Miles.
fruitie
post Dec 23 2016, 02:34 PM

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QUOTE(sushix @ Dec 23 2016, 02:15 PM)
1. Annual Income: 60k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Other transaction/everyday use, since Aeon Gold is only 0.4%. Preferable no minimum spending, since I don't spend alot on this card monthly (< RM500).

4. Existing credit cards if any:
    a) Mach - 5% Meal, 2% Style
    b) Ikhwan - 5% Petrol and Grocery on Friday and Saturday
    c) CIMB Cashback - 5% Online
    d) Aeon Gold - 0.4% everything, changed from Watami
Please help to find a everyday card to replace Aeon Gold. Thanks alot  notworthy.gif
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If PosOnline starts accepting back credit card for payment, then you can continue charging your general usage to AEON Gold and pay back to AEON via PosOnline using your CIMB CR.

It is being suspended until further notice.

On another hand, you can look into SCB Gold Cash Back MasterCard for general usage.

This post has been edited by fruitie: Dec 23 2016, 02:35 PM
fruitie
post Dec 30 2016, 01:40 AM

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QUOTE(fly126 @ Dec 29 2016, 11:51 PM)
Dear fruitie, is time to get  New TS for this Thread almost 2800 posts counted since our beloved Gen-X have Retired... smile.gif
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hye, I guess it's about time for a new thread.

QUOTE(ycgoh123 @ Dec 29 2016, 11:59 PM)
Thanks for recommend. But i heard CIMB is quite hard to apply  shocking.gif
cant find any agents from CIMB yet  drool.gif
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CIMB is not difficult until you try applying Maybank Ikhwan cards. laugh.gif
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