QUOTE(lilsunflower @ Jan 4 2017, 11:25 PM)
Agreed... Now even VS and WMC are quite standard for middle income earners. Anyway, in reality, none of this matters. For me, what I look for is generally:
1. Nil or easily waived annual fees
2. Cashback percentage and flexibility and variety of categories eligible for cashback
3. Extras like promotions, freebies and lounge access
Although I qualify for many premium cards, I will stick to the middle tier cashback cards like Standard Chartered Gold Cashback, CIMB CR, PBB VS and Hong Leong Fortune. I don't care about "status" - just show me the money!

Yes, wise choice. I'm also crawling slowly and let my income determine my destiny.

Apply whatever I need.

QUOTE(phantz @ Jan 4 2017, 11:29 PM)
I called them, they say no issue on their side thoughÂ


So, did you check the card no. whether it is correctly? I hope you know that AMEX's CID is the front four digits and not the back three digits (CVV)... You will need to key in CID for online purchase.
This post has been edited by fruitie: Jan 4 2017, 11:39 PM