Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Oct 21 2016, 11:57 AM
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#41
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4,404 posts Joined: Jun 2012   
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QUOTE(wonglokat @ Oct 21 2016, 11:36 AM) Any HSBC cardholders applied for the cash instalment plan? The CIMB CashLite interest rated at 8.99% p.a. but couldn't find any charges for the 15k offered by HSBC. Anything I might have overlooked? RM15,000 at 0% Interest with Cash Instalment Plan for 15 months https://sp.hsbc.com.my/15k?WABFormEntryComm...YH_PWS_MAIN_10K https://sp.hsbc.com.my/microsites/oct-acq/f...onwide_conv.pdf This post has been edited by fly126: Oct 21 2016, 12:12 PM |
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Oct 24 2016, 08:57 PM
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#42
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4,404 posts Joined: Jun 2012
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QUOTE(rignhom @ Oct 24 2016, 02:50 PM) Hi, I am looking for cc with cash rebate. which card gives the best "other retail" cash rebate? those miscellaneous retail shop that don't fall into normal f/b, grocery, petrol. i also want to buy wedding bands. which card has cash rebate for jewelry? maybe wah chan QUOTE(kelvinlzy @ Oct 24 2016, 05:50 PM) Check out these cards: 1. HLB Fortune1. HLB Fortune 2. HLB Essential 3. SCB Cashback Gold 4. SCB Just One Platinum 5. OCBC 365 Mastercard Since you didn't mention about annual fee, I just list all out that I can think of at the moment. Some of them do have annual fee while some with waiver condition. 2. HLB Essential 3. SCB Cashback Gold 4. SCB Just One Platinum 5. OCBC 365 Mastercard Add 1 more... 6. Alliance You:nique |
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Oct 27 2016, 10:24 AM
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#43
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4,404 posts Joined: Jun 2012
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QUOTE(sj0217 @ Oct 27 2016, 10:02 AM) Awaiting for SCB new thread up, would like to check with guys According to their t&c...Is anyone use SCB CC for uber for 20% discount ?? Is this rebate instantly during payment or the rebate will be showing in statement ?? Cashback would be credited into the Eligible principal Cardholder’s credit card account within thirty (30) calendar days after the end of each Calendar Month. https://www.sc.com/my/campaign/uber/# |
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Oct 27 2016, 10:57 PM
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#44
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4,404 posts Joined: Jun 2012
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QUOTE(mitodna @ Oct 27 2016, 08:41 PM) I am really not sure, does each credit come with something over limit, eg. Credit limit is RM5000 but overuse the credit like RM5500 in retail purchases That's Over Limit Fee - will be charged when the Total Outstanding Balance exceeds the Credit Limit, some bank got some not...Possible right? I am not sure the term is, and there is associated fee on this? Thanks Citibank: RM26.50 SCB: RM53 RHB: RM53 HSBC: Not Applicable MBB: Not Applicable This post has been edited by fly126: Oct 27 2016, 11:01 PM |
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Nov 6 2016, 11:23 PM
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#45
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4,404 posts Joined: Jun 2012
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QUOTE(dopp @ Nov 6 2016, 11:02 PM) I'm tired of 'cashback' card that some purchases does not have has cash back. AmBank VISA Infinite Card /AmBank World MasterCard I was told better to get those card that give redemption for air miles Please recommend any card that give good air miles redemption and another card for pump petrol. Thanks * some cards i have MBB vis signature, citibank visa premier, pb visa signature • Free-For-Life, NO Conditions attached  • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) •Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite |
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Nov 7 2016, 12:45 AM
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#46
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4,404 posts Joined: Jun 2012
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QUOTE(limeuu @ Nov 6 2016, 11:43 PM) but note that only physical overseas spending gets 5 points per rm, internet spending only 1 point, even if foreign currency transaction.....and no points for petrol... Im Aware of these T&C also & It's an Air-miles Collected CC ... and the lounge access without conditions is only till end this year....no word yet what they will do, but if they revert back to previous rules, you need to swipe 3 times OVERSEAS to be eligible for access.... so basically a card for travels...   this Card is lifetime fee Waiver it's worth to safe keeping as a Backup Card, the Best part's You No need to Spend RM80K p.a like M2 Premier CC to get AF Waiver or Pay Annual Fee - RM636 like SCB WorldMiles World MasterCard to get on PPL Access...  Now, Just Enjoy the Best for the time being...  This post has been edited by fly126: Nov 7 2016, 02:37 AM |
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Nov 16 2016, 09:55 AM
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#47
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4,404 posts Joined: Jun 2012
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QUOTE(eastwest @ Nov 16 2016, 09:25 AM) Actually, what does retail spending means? Does it cover all categories such as grocery, petrol etc? "Retail Spending / Transactions " = Any Purchase of Goods or Service which is Charged to the Credit Card.» Click to show Spoiler - click again to hide... « This post has been edited by fly126: Nov 16 2016, 10:51 AM |
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Nov 17 2016, 08:21 PM
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#48
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4,404 posts Joined: Jun 2012
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QUOTE(jason koyang @ Nov 17 2016, 07:48 PM) im a fresh grad. my application for credit card always being rejected. Try HLB, UOB, RHB they're lenient compare to Others bank which rejected U... first cimb reject me then citibank reject me. they say i dont have commitment. problem is how can i have commitment if it dont have credit card ? this does not make sense. catch 22 situation.  Btw, how long you have been working...??? They usually reject ppl jz out for work less than a Year as they assume u not work long enough don't have a stable job yet... This post has been edited by fly126: Nov 17 2016, 08:22 PM |
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Nov 17 2016, 09:08 PM
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#49
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4,404 posts Joined: Jun 2012
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QUOTE(jason koyang @ Nov 17 2016, 08:47 PM) what is salary crediting bank? worked since November last year. Most of these CC I told you are Annual Fee Waiver with min. 12x Swipes p.a ie like,worked since november last years. but are all those bank have free annual fee ? I) HLB Essential  https://www.hlb.com.my/main/personal/cards/essential-card OR II) RHB Smart Value Credit Card http://www.rhbgroup.com/products-and-servi...mart-value-card OR UOB One Card First 2 Years AF Waiver...  http://www1.uob.com.my/personal/cards/cred...b_one_card.html |
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Nov 20 2016, 11:43 PM
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#50
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4,404 posts Joined: Jun 2012
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QUOTE(maskcooler @ Nov 20 2016, 10:33 PM) wonder if own record will be affected my if I keep applied cc and rejected?Any impact? Never apply for more than 2 CC or other Loan deals in a Short time, the bank may Assume you are in Desperate need of $$$ as Desperate ppl don't make Good Credit Risks. Even worse, they might think your ID has been Stolen, which also can Ruin your Credit Score Rating... This post has been edited by fly126: Nov 20 2016, 11:46 PM |
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Nov 21 2016, 01:29 PM
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#51
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4,404 posts Joined: Jun 2012
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QUOTE(samo1390 @ Nov 21 2016, 01:06 PM) How come my friend who work in UOB said we cannot waive UOB ONE card annual fee, It's Depends on their current Spending criteria & a bit of luck, their t&c change from time to time also...yet, i know someone who called the call center, then had them waive 50% of the annual fee? UOB staff not knowledgeable enough? I have seen Some ppl even spend Rm50k on the card also don't get Waiver from UOB. When I got My UOB One card they give 5 years Waiver, till now I tiada kasi a single cent of Annual Fee, pun... It's Varies People to People... This post has been edited by fly126: Nov 21 2016, 05:21 PM |
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Dec 2 2016, 03:54 PM
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#52
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4,404 posts Joined: Jun 2012
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QUOTE(regulus2010 @ Dec 2 2016, 03:30 PM) On 1: noted. Thanks Pls take noted that, even now u cancel your current CC to apply other card maybe also pun kena reject by Them due to PTPN. B On 2: just so I get it right, this works the same as opening a FD account where i still get the tiny interest until i cancel my FD where they will cancel my credit card as well? So if i go with option 2 now and consistently pay PTPTN for another 9 months (deducting the previous 3 months), I can cancel my current card and reapply another one without being tie down to FD? |
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Dec 3 2016, 08:37 AM
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#53
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4,404 posts Joined: Jun 2012
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QUOTE(Lighters @ Dec 3 2016, 12:49 AM) Hi, have a problem with applying credit card Use FD Pledging for Credit-card, if the FD withdraw Credit card will be Cancelled.Commission base with different company giving commision but EPF statement only shows company A contribute which make it little amount only. Any advice? All the company is subsidiary of company A. Thanks |
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Dec 3 2016, 03:40 PM
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#54
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4,404 posts Joined: Jun 2012
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QUOTE(Lighters @ Dec 3 2016, 11:16 AM) Yes. They ask to pledge FD but not planning to do that. Any other way? Was applying for mbb previously. Can you provide any of these Documents...???Income Submission Guide for Credit Card Application I) For Commission Earners, *Latest 3 Months Computerized Pay Slips OR *Latest Computerized EA Form (dated within the Last 12 Months) OR *Latest EPF Statement (dated within the Last 12 Months) OR *Latest Borang BE with LHDN Receipt (or Proof of Tax Paid) II) For Fixed Salary Earners, *Latest 1 Month Computerized Pay Slips OR *Latest Computerized EA Form (dated within the Last 12 Months) OR *Latest EPF Statement (dated within the Last 12 Months) OR *Latest Borang BE with LHDN Receipt (or Proof of Tax Paid) For Non-Computerized Income Documents, it is Advisable to Provide more than 1 Income Document (eg. Bank Statements, EPF, EA) to Show Salary Received. III) For Self-Employed, *Latest Borang B acknowledged/duly Certified by LHDN, with LHDN Receipt (or Proof of Tax Paid) Plus, you can submit 6 months Bank Statement together with your Income Proof Documantion when you apply CC... |
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Dec 22 2016, 08:37 AM
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#55
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4,404 posts Joined: Jun 2012
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QUOTE(starry @ Dec 22 2016, 01:01 AM) Hi all, Not sure pun but I choose paid in MYR thru their Website (never try Paypal), sometimes more cheaper than u buy at Kinokuniya or MPH Online as I always compare their price 1st before I buy... Will a purchase at http://www.bookdepository.co.uk/ with CIMB Cash Rebate Mastercard incur 1% cross border fee? What if pay via PayPal in USD using CIMB Cash Rebate Mastercard? Same cross border fee applies?  |
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Dec 27 2016, 03:01 PM
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#56
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4,404 posts Joined: Jun 2012
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QUOTE(Kaka23 @ Dec 27 2016, 01:21 PM) Lost.my credit card.. Should i cancel the card or ask for replacement? Ya, 50 bucks for a Replacement, CIMB just Rm10, only Cancel - I can re apply at foc? Replacement - Need to pay RM50 for the replacement card But, If you got a Police Report then it maybe FOC on Replacement. |
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Jan 10 2017, 11:08 AM
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#57
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4,404 posts Joined: Jun 2012
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QUOTE(JohnJon82 @ Jan 10 2017, 10:47 AM) UOB One card and YOLO rejected again, applied on end of Dec. Checked my CCRIS, all loan and card payment on time. Salary is more than enough for Platinum card. Maybe I only worked in Malaysia for 6 months, EPF just 6 month statements, and never pay Malaysia tax before? Ya, It could be...  How about HLB or RHB have you tried before...? https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html |
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Feb 3 2017, 12:05 PM
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#58
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4,404 posts Joined: Jun 2012
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QUOTE(CasualMax @ Feb 3 2017, 11:40 AM) Yup, tried all of them. CIMB rejected me the moment I press submit application. Citibank rejected knowing that I have no previous card and no loan or commitment. Banks won't approved U any Credit card if you start working less than 6 months as they will assume U not having a Stable Job yet...Nop, no commitment at all. I guess this is the reason why all the banks are rejecting me lol |
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Feb 25 2017, 03:58 PM
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#59
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4,404 posts Joined: Jun 2012
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QUOTE(soyabean123 @ Feb 25 2017, 02:05 PM) Dear all, I want to apply my first Credit card, and i have chosen the Citibank Cash Back. My annual income is about RM42k+. My CC application was rejected and bank did not stated what reason. I'm curious is it because of i do not have any credit history? FYI, i do not have any commitment at the moment, no loan, no debt. Previously i applied for Maybank 2 Gold cards, but rejected as well. I have no idea why i could not apply for a credit card even my annual income is higher than the requirement. Kindly advice what can i do in order for me to successfully apply for a credit card? Citibank won't give You (as a 1st timer) their Card if You Don't have Any Credit History with any bank before....Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info& maybe not too Stingy to approve their Credit Card to you. You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR Mastercard a decent Card for a NewB like U becos of it's Free for Life No worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a FYI, https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html This post has been edited by fly126: Feb 25 2017, 09:52 PM |
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Feb 25 2017, 09:48 PM
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#60
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4,404 posts Joined: Jun 2012
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QUOTE(soyabean123 @ Feb 25 2017, 08:35 PM) Thank you very much for your reply. What if my dad apply a supplementary card under my name first? Will that include or show in my credit history? Nope...  A supplementary card is usually an additional credit card that you can apply for family members (to the spouse, parents or children of the primary credit card holder. The supplementary cards are issued under the same account as the primary card holder & all expenses incurred on an add-on card (Supp card) are billed to the primary cardholder. This post has been edited by fly126: Feb 25 2017, 09:50 PM |
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