Hey folks,

Hunting for my first CC to build a good credit history. No specific preferences but additional cash back on my monthly expenditure is a good thing.

I'm starting out without commitments, yet, and my ~40+k income goes into servicing PTPTN loans and utilities. Would appreciate additional input besides the CIMB Cash Rebate and the Maybank-I's Ikhwan.

Thanks

Please post in this thread: https://forum.lowyat.net/topic/3644347/

Thanks

Hi All,
May I know currently which card still provide 5% rebate for TNB,TM,Digi,P1 Wimax payment?If already no 5% rebate,which will be the best rebate card for the 4 payment above.

Thanks

Pbb vs if pay thru online

What is this "latest BE Form with official tax receipt" to be submitted with CC application? Is that the slip pengesahan for BE filing?

This is just one of the required documents, optional most of the time if you don't have payslip and EPF statement. You don't have any of these?

hey fruitie,

I do. Just not sure if they wanted the pengesahan or the breakdown of it. Want to make sure everything is in order so no need to keep going back and forth.

Thanks. Will submit the application once I got my IC scanned and crossed.

I have never submitted my income tax document for any of my applications.

It is usually IC + 3 months payslip or/and latest EPF statement.

I've been trying to apply for some new credit cards, especially the Maybank 2 Platinum Cards, but I've been rejected by all the banks I've applied to so far.

I have 3 credit cards (UOB One Card, HLB Wise, Aeon Credit Card) with total credit limit of RM34,000.

I have 2 joint housing loans, with my portion being RM425,000 and a car loan of RM25,000.

With a monthly income of RM10k, I am not eligible for new cards?

After being rejected, how soon can I apply for new cards again? I'm interested in trying what GenX is recommending in his blog, but not a single bank has approved my new card applications.

Guys, remind me again please. For agoda pay later option, our CC will be charged with the amount stated during booking or it will follow the forex during charging? TQ

during charging...

usually 6 months but you may try your luck again earlier if you are confident that it's a mistake that you got rejected.

so means agoda also is the same as booking.com? will recalculate the foreign exchange rate during charging..

for booking.com you pay at the hotel. unless your hotel is in overseas, otherwise no forex involved.

https://www.pbebank.com/Personal-Banking/Ca...redit-Card.aspx , Credit sifu, I'm not familiar with tier system cb. Let say if I spend rm950 on petrol, how much cb do I get? Rm24 or RM47.50 ?

Should be RM47.50 assuming all petrol spending was at Petron using the card.

for the pay later option they tell you a future date when it will be charged, so how are you gonna predict the rates ?

i got the answer from agoda. their pay later option will follow the exact amount during booking.

oh ok so we are talking about MYR, i thought it will be in foreign currency