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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 Oct 14 2015, 08:43 PM
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#1
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Junior Member
510 posts Joined: Nov 2011 
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My salary is 3.4k per month pre EPF/Socso, and I own the maybank2card & Uob One + Vox card, am I entitled to apply for more credit card from different banks?
As far as i know as long as my yearly income > RM36k I'm eligible to get more than 2 cards right? I'm asking cause I wanna get the free robot cleaner by applying for HSBC card via ringgitplus.  |
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Oct 14 2015, 11:28 PM
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#2
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Junior Member
510 posts Joined: Nov 2011
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Thanks @fruitie, if that's the case I'll just make it proper:
1. Annual Income: 36-40k annually 2. Free Lifetime Annual Fee: Yes 3. Card required for: complementary card for my Maybank 2 Card and UOB One 4. Existing credit cards if any: Maybank2Card Gold, UOB One + Vox 5. Looking at CC from: HSBC (They're giving a free robot cleaner now on ringgitplus) For petrol and online transaction I'm using UOB, for weekend dining or others I'll use my Amex. Aside of the robot cleaner, I'm looking for a card from HSBC to complement my Maybank & UOB. I've always paid my statement balancing on time. Please advise if HSBC will approve my application since I've already owned 2 cards and my salary is not that high. |
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Jan 9 2016, 11:13 PM
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#3
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(Kaka23 @ Jan 9 2016, 06:47 PM) I got recall it is public bank, but dont know which type of card?! Long time ago apply for Public Bank credit card via ringgitplus can get free trolley luggage:  Public Bank Visa Infinite Public Bank Visa Signature Public Bank Visa Platinum Public Bank Platinum MasterCard Public Bank Gold Visa Public Bank Gold MasterCard Public Bank Petron Visa Gold Public Bank AIA Visa Gold Public Islamic Bank MasterCard Gold Credit Card-i Public Islamic Bank MasterCard Platinum Credit Card-i Public Islamic Bank Visa Gold Credit Card-i Public Islamic Bank Visa Platinum Credit Card-i I think now ringgitplus no more this offer, not sure about direct apply with bank though. |
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Jan 15 2016, 07:26 AM
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#4
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(HMMaster @ Jan 15 2016, 07:02 AM) How to swipe RM1? Go petrol station to fill up RM0.01 petrol for 12 times   |
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Feb 20 2016, 04:30 PM
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#5
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(mycolumn @ Feb 20 2016, 04:20 PM) Any recommendations based on the following details? Thx in advance! Maybank Ikhwan, UOB One(call to waive)1. Annual Income: RM24k to RM30k 2. Free Lifetime Annual Fee: Definitely A MUST for me 3. Card required for: Petrol and cash back 4. Existing credit cards if any: Maybank 2 Cards 5. Looking at CC from: Any that match the above requirements 6. Others: None |
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Apr 21 2016, 03:18 PM
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#6
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(laymank @ Apr 21 2016, 02:45 PM) If you want card for ANYTHING, does that mean you want it for general purpose only? Younique is from alliance UOB Younique SC Cash back HLB Essential |
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Apr 27 2016, 03:28 PM
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#7
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(kelvinlzy @ Apr 27 2016, 03:15 PM) Unlike SBC Gold, Younique doesnt restrict any transaction. Understand this, petrol and insurance are also considered as retail transactions unless bank specifically exclude them. If that's the case is PTPTN loan repayment counted as retail transaction too?  |
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Apr 27 2016, 11:23 PM
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#8
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(kelvinlzy @ Apr 27 2016, 10:18 PM) Yes, just like sis fly126 said, any goods or services charged to the card is considered as retail transaction. Charges like late payment, annual fee, balance transfer are not retail. QUOTE(fly126 @ Apr 27 2016, 11:07 PM) Yup... Thanks both sifu. Just realized how broad is the definition of "retail" in the financial sector. "Retail Spending / Transactions" = Any Purchases of Goods or Service which is Charged to the Credit Card Retail Spending (Transactions) i) Local / Overseas Purchases ii) Auto Debit / Recurring / Standing Instruction (SI) iii) E-commerce / Internet / Online iv) Mail Order / Telephone Order (MOTO) NON-Retail Spending (Transactions) i) Flexi Payment Plan / Easy Payment Plan ii) Balance Transfer (BT) iii) Cash Advances / Dial For Cash (DFC) iv) Credit Shield Plus / Card Protection Plan v) Outstanding Balance / Finance Charge / Late Payment Charge vi) Reversal on Transaction, Disputed / Fraudulent Transaction vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges |
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May 26 2016, 08:58 AM
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#9
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Junior Member
510 posts Joined: Nov 2011
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QUOTE(silrave @ May 26 2016, 02:54 AM) haha Not UOX but VOX.my wrong i typo should say uob one for petrol bit similar too maybank card but that need pay annual fees for uob uox i subscribe cause for online purchase and the ppl told me swipe 1 time per month can already he say just buy some thing at anywhere can use credit card also can Vox and One are 2 totally different cards. Depends on your usage, both can be beneficial. |
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