May i know which credit card gives the best unlimited cash back for general purchase? Eg Paying for education fees of >RM10k per transaction, general retail purchase (non-groceries/department store)?
I have Watami - but its been maxed out.
Lately HLB essential also cuts its rate to 0.6%
OCBC is 1-1.2%/ but capped at RM1000.

Any recommendations? Thank you!

I booked a hotel at booking.com under 'book first, pay later' option. However, received sms alert that the full amount has been charged to my card. Is the notification just a formality but nothing is actually charged?

Cannot trust booking.com

em. sorry for the noob question, since it's my first time using cc.
can I use my cc at all merchants?
for example. I go to jusco to buy television,
can I use my citi card to pay ?

or it is based on what the merchants stated which can be used?

sorry again for the q

I have the following cards:
1) M2C Amex and Visa
2) UOB One Card and VOX Visa
3) OCBC Great Eastern Platinum MasterCard
4) Hong Leong Essential Visa
5) MBB Ikhwan MasterCard
6) AEON Watami Visa
7) Alliance You:nique MasterCard
8) CIMB Cash Rebate Platinum MasterCard
9) Citibank Platinum Cash Back

Which is the best credit card to use when buying items from Paypal in
(a) Malaysia currency
(b) Foreign currency

Thanks!

Hi, need some advice.
recently my mach CC and UOB VOX approved on Jan and Feb.

Since the watami rumor, I am thinking to get either younique or GE plat.
Do you think they will approve? or I better wait for few months then only apply younique or GE plat. How long do you suggest ?

I have around 2 years old GE policy, do you think it has higher chance to get the GE plat approve compare to younique?

Guys, any credit card I can leverage with booking.com? I have both UOB VOX and CIMB CR which I supposed I will get 5% cash back for online transaction.

How about cards from other banks?

I also have Maybank, HLB, OCBC, AmBank, AEON and Citibank cards. Any promos?

I'll use it with Shopback to get RM 60 but would like to maximize it.

I see. Got it. Then, hopefully my card can be accepted there.
It is an isolated place in China. God bless me that time.

Then, how would Shopback know if I did stay there or not? Let's say if they can't accept card, I'm going to pay with cash.

Citibank has 8%?
Anyway, I will use Shopback for RM 60.

Got it.

I thought of using online transactions cash back card for better rebate.

is there any difference between having visa or master? i already have amex and visa and am wondering whether there is any need to get a mastercard to cover all 3 ..so to speak.

also is there such thing as having too many cards? 

Hi, got a question here. Can i use tenancy agreement together with my payslips to apply for credit card? Do they accept tenancy agreement rental as income?

My application been rejected. No reason given. However i think it's due to ptptn balance.

When can i reapply cc again? Maybank.

Is there such a thing where if one transaction is not posted after a period of time, it will be voided?

Or there is no end date and merchant can post it after few months or one year later?

OK, there is a missing RM 500 that yet to be posted and already two months, I want to see if there is a possibility will be free money from banks.
Oh, then you have things to spend.

It's Ikhwan. Once gone, difficult to get back.

what is the maximum age for one to apply cc? i heard some banks 60? some 65? hmm..?

i asked this because one of my client got his card approved @ 65 yrs old age though no record of any CCRIS .. but have house loan and fully paid back 10 yrs ago.. btw hes employed. haha.. quite surprise i'd say

permanent .. not contract.. guess mostly because of age problem and clean CCRIS sheet showing no loan commitment thus low credit scoring, perhaps?