QUOTE(poweredbydiscuz @ Sep 7 2015, 08:22 PM)
Paying minimum amount will keep your ccris record clean, but can't avoid the interest.
Who said so? There's ways to keep our record clean, but definitely your way are not.
QUOTE(Lord_Penguin @ Sep 7 2015, 11:04 PM)
Thank you for the input

Pay full amount on time is the best way to make your record clean as white paper. I've been doing this for the past 16 years(owning credit cards for 20 years).
I always apply a card that with my clean income(after deduct everything) and with my IC only. So far non of them dare to reject me
QUOTE(Kilohertz @ Sep 8 2015, 08:12 AM)
Do you all still keep your M2C once you gotten your Ikhwan card? I'm considering of cancelling it unless it still offers certain benefits that worth keeping.
Just a simple question : does Ikhwan also give you cash back on dining, utilities
I don't see there's any issue on keeping dual cards since it still have 1.25% of cash back and dine on weekends got 5%(+1.25%).