Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V3, Please post according to Format stated.
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 Sep 19 2015, 03:27 PM
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#1
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Junior Member
307 posts Joined: Aug 2011  
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Was wondering if this is the right place to ask, but I can't seem to find the right section for this.
I was wondering, to get a personal loan, banks would want you to have a credit history, correct? Currently, I have no loans to repay and I have no CC. Should I be getting a credit card to build my credit history so that I can apply for a loan in the future?  |
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Oct 17 2016, 02:03 PM
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#2
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Junior Member
307 posts Joined: Aug 2011
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1. Annual Income: RM24K to RM30K
2. Free Lifetime Annual Fee: No 3. Card required for: Cashback/points 4. Existing credit cards if any: CIMB petronas platinum 5. Looking at CC from: PBB 6. Others: Nil Would it be easier to get your credit card approved from a bank if you already have an existing savings account with them? Got rejected by Hong Leong, and was wondering about PBB since I have an account with them for few years now. CIMB was quite easy to apply back then because I could just apply through Clicks with my savings account. This post has been edited by ChocChristy: Oct 17 2016, 02:04 PM |
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Oct 17 2016, 02:53 PM
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#3
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Junior Member
307 posts Joined: Aug 2011
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QUOTE(fruitie @ Oct 17 2016, 02:25 PM) Yes, usually will be easier if that's your salary crediting bank. I'm looking for a card that does not share credit limits with my CIMB petronas plat though, so I am guessing CIMB cashback wouldn't work for me?Well, you didn't mention any category, so you can also add CIMB Cash Rebate into your list.  |
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Oct 17 2016, 03:11 PM
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#4
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Junior Member
307 posts Joined: Aug 2011
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QUOTE(fruitie @ Oct 17 2016, 03:08 PM) Yes, it will share credit limit. Any reason for that? Just in case of emergency. Medical issues that come and go. |
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Oct 17 2016, 03:47 PM
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#5
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Junior Member
307 posts Joined: Aug 2011
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QUOTE(fruitie @ Oct 17 2016, 03:13 PM) You can only add another bank's card now. Ah, crud. Forgot that point. It's not my salary crediting bank though. It's an account where I dump my savings in. Hopefully that would still make me credible to the bank. Try PBB then since that is your salary crediting bank. QUOTE(Pink Spider @ Oct 17 2016, 03:25 PM) Try OCBC Titanium MasterCard as a standby card - zero Annual Fee without any T&C. ohh Interesting, never considered OCBC. Thanks!1% rebate for online and overseas transactions 0.1% rebate for all others Decent backup card to have. |
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