If I can keep, why can't I?
Since my salary allows me to keep and add other cards at the same time. Why must I die-die want to cancel it? I still earn some dining cashback.

Please la, one man's meat is another man's poison.
You may think those things are not important, it may be important for others.

Have a good read: http://generationsxyz.blogspot.my/2015/08/...-life-amex.html

This post has been edited by fruitie: Sep 15 2015, 11:37 PM

Well seeing that I don't own one yet, I would actually prefer discipline with multiple low limit cards for different needs = decrease liability (low CL + discipline) = maximum cashback from bank = more savings = more meaningful & quality life!

hhaha by the time you get ur own card, then you'll know it will not cover everything that you spend.

e.g. go nearby 7-Eleven buy something, but they doesnt accpet credit card.



also, to maximize cashback, you gotta spend even more. the cashback that you think you "gained" doesnt actually justify the need to spend. in the end, still gotta figure out how to payoff the outstanding

dont chase max cashback, unless you really need to spend that much and have the ability to payoff 30-50 days later.

Ya I know one man's meat is another man's poison.
Cause :
1. Having so many cards make purse/wallet bulky. Cannot add new cards with more benefits.
2. Let maybank amex userbase drop. So maybe they will come out with something to increase target. If nobody cancel, target maintain, maybank won't introduce new CB cards. Banks are always chasing targets. Like I always say, always maximise the bank. Why should one let the bank maximise you? Already most people are paying loans to the bank. Why want to let them "bully" you by having miserable 1.25% CB?

I have read that and I find it nonsense. Recycling old post into a new post. No new info if one have been following his blog. Some old things. M2C for dining + MIC for petrol and groceries. Nothing on utilities and other stuff.

Well thanks to Maybank removing CB, I found the cards needed for my future use.

This post has been edited by Ramjade: Sep 15 2015, 11:52 PM

other reasons ia that it's still a good back up cc because:
1) it still have unlimited 5x tp which equivalent to 1.25% (higher than hlb essential and ocbc ge)
2) it's still useful/helpful when your other cc cb has been fully utilised
3) it's free for life so just in case other cc revise their benefits, you will find mbb2amex relevant/competitive again, so at least you don't have to waste time to reapply this card again
4) you can't just depend solely on uobpayonline for bill payment as you don't know when the site will down or when they will discontinue their free service

I know it won't cover everything that's why I am always on the lookout for cards to cover the uncovered stuff.

Thanks for the advise. Don't worry I won't. I always set a target for my monthly spending. I will NOT spend more than that target. So CB to me is just bonus. (You have no idea how frugal I can be). Just pay online transfer money to the CC no only right?

Well if no new cards are introduce and no changes are made, here is a rundown of cards I will use
HLB Wise + Maybank Ikhwan + UOB VOX/Ambank True CC. I don't dine outside, I don't buy those expensive clothes, shoes, bag or anything fancy (again I am an extremely frugal guy). So the 3 cards will be more than enough for me.

1. Not an issue for me.
2. Well, put it this way, credit cards is not the only business for Maybank. Other banks are also cutting their benefits. Economy is bad.

Gen-X, someone says your blog is nonsense.

Well, to be fair he did mention about utilities and you can't accept 1.25% return, let's put it this way.

It's OK, you can have all the cards you want. Nobody is stopping you.

When you start working, you will notice how much you should treasure life. Money is not everything.

Anyway, AmBank True Card is a not attractive card. Do more research.

I have read your few posts and I find they have nothing new too.

Actually, I already PM him, but no reply.

Er, is for online purchase. AmBank True Card 3%CB, no overseas charge unlike CIMB CB CC. Free for life. UOB Vox 5% but do not know how much the bank charge for forex exchange. Then need to swipe every month. I don't shop every month.
Cannot afford MVI or M2AMEXP So that is the next best thing.

This post has been edited by Ramjade: Sep 16 2015, 12:21 AM

Those are borders fees.
Anyway, just choose whatever that is the best for you.

Speechless with him...
Btw,
fruitie, Congratz with Your NEW Vox & HLB Wise CC
What next MBB VS...???

Who knows that MBB VS is coming up next?
But I will get Ikhwan first.

I was like you, needing a card for petrol. In the end I settled with MB VS because less hassle during application. Ikhwan application requires fresh application because it's under Maybank Islamic. For MB VS I only submitted my EA form plus receipt of payment.

I heard U have applied It at MATTA Fair still No News, meh...???
Maybe you should consider to Cancel some other CC before try to get Ikhwan

Seems that, MBB just approved ME the Ikhwan card Now got a Major CC's Reconstruction to do, it's time to Cut Down some Un-utilized CC from My list,
before I can Aim on PBB VS...

Yes i do owe some loans and credit debts. But also got no problem approving cards from cimb or UOB. Just maybank always rejects me. Its because im very interested with its 5x points compare to other cards.

It is still 1.25% on any categories not covered by other card

This post has been edited by BeastX: Sep 16 2015, 05:00 AM

Wow sis got how many cc already? Addicted already hehe. Btw I'm also a bit addicted, recently applied another 2 cc for better cashback. Well I'm disciplined enough not to simply spend.

Different banks have different assessments.

Me? I have a few, didn't count actually.

i remember few weeks back you still got count and listed out your cc. few weeks later today you already lost count? must have added too many new cc la!