Hey credit card pros. Wanna ask if there are other ways to get a credit card if you have a bad credit rating ? (I am servicing several loans which are tied to a few properties hence the bad rating). Also my recent card applications rejected due to this.

I did not choose to get the complimentary credit card when I applied for the loan so that's out of the question.

I know you can also deposit a certain FD amount with the bank to get the credit card as well.

Any other ways ? Wanna get a particular credit card for rebates

This post has been edited by BobSponge: Feb 20 2016, 11:19 PM

Hi, I m new cc user, i got a question here, my credit card limit is rm4000, and the credit available left rm300++, can i still buy a rm2100++ item ? Thanks

Your credit available is confusing, it is RM 300.++ or RM 3000.++?
If it is only RM 300.++ (three hundred plus), you cannot but if it is RM 3000.++ (three thousand plus) then you can buy.

By this I assume your "2100++" means RM 2.1k+ (two thousand plus).

If your credit limit is insufficient and you really want to buy that item, you have the below choices:
i) Clear your outstanding bills to ensure sufficient amount for your item.
ii) Top up your credit limit by cash, i.e. pay via CDM, IBG from other bank
iii) Call to bank for temporary credit limit increase but this is very tough unless you have a proper justification, like due to emergency in overseas, pay hospital bills and etc.

This post has been edited by fruitie: Feb 21 2016, 01:04 AM

btw took me by a surprised that I got the citibank cc. can't wait to get the card. 😁

thank you sir for your info, actually i wanted to buy an audio equipment and i left available credit of rm330 only.. anyway, thank you again.

You are welcome but I'm not a Sir.
Well, just wait till you pay the outstanding bills, then you can buy it.

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!

This post has been edited by turbopips: Feb 21 2016, 08:42 AM

still essential 0.6% more worth for high spend unlimited.
ocbc second as after first 1k at 1% you still can get 0.5% subsequently unlimited.
watami after first 5k/quarter at 3% you still can get 0.4% subsequently unlimited.

This post has been edited by victorywp: Feb 21 2016, 09:07 AM

Essential after 5k will be unlimited 1%, first 5k is 0.6%.
Only OCBC GE is that, not all OCBC cards are the same.

For Watami, I think first 5k is 3.4% to be actual rebate right ? Since every transaction also entitled point reward

I bring this topic here to discuss.

I have just called OCBC CS to confirmed that we still can apply for OCBC Great Eastern MasterCard without holding GE insurance, but this is subject bank approval

This post has been edited by sj0217: Feb 21 2016, 05:17 PM

I have also sent an email to inquire this morning. Will double confirm here.

By the way, what I realized that the OCBC 365 MC and OCBC GE MC, both are seem like offering same features

However, the 365 card come with AF charge only

Yeah, the GE only has an extra 0.1% for IPP.

OCBC cards damn boring Once auto debit insurance, can keep in drawer forever..

This post has been edited by Human Nature: Feb 21 2016, 06:15 PM

Ya, but still can use it when Watami card has max spending

if this is the case, Card 365 totally useless then, I doubt who have interested to apply it

The AF is killing the product. I think it was meant as an alternative for those without GE policy, before they open the GE cards to non-holders.

When i check ocbc card this morning i accidentally bump into ocbc Singapore site and notice their card quite attractive compare to malaysia


Eg: ocbc 365 (Singapore ver)
and frank credit card

quite attractive is an understatement...their 365 version is very attractive

http://www.ocbc.com/personal-banking/cards/365card.html#

I have a housing loan from maybank and they called me few weeks ago regarding help me to apply a credit card. But till now havent receive yet. How long does it takes?

Congratz & Welcome aboard to Citi's World Privileges
http://www.citiworldprivileges.com/my/prom...nsandPrivileges

Btw, Which Card you get from THEM...???

Pls Proceed to Citibank thread on further Discussion
https://forum.lowyat.net/topic/3672923