Quick question guys, if I want to cancel a credit card do I need to settle all the bill first? Can I cancel then settle it later?

It's okay. I am just trying to avoid the annual fee.

I think it will be like what you said since the rebates will be on next month's statement. So if I cancelled it now the rebates are gone.

This post has been edited by Duckies: Jul 21 2016, 11:32 AM

Eh I couldn't apply for HL Mach as I just cancelled my Wise last month..They told me got 6 months cold down period...any cards I can use for Dining and Fashion other than Maybank Amex since it's just weekend?

Btw, just heard the bad news on UOB Vox...wei I just apply only leh..

Dunno wo, the sales guy said since I cancelled Wise just last month so might not get free annual fee waive or apply new card from Hong Leong.

Just apply for Vox this morning...the guy said will help me try to submit but he didn't tell me that Vox is gonna be replaced with something else pun...then he asked me to submit PTPTN document...since now Vox gonna be replaced I am still thinking I wanna submit or not

I tried to apply through the booth in Queensbay. Not sure where's the Mach permanent booth in Penang

Ah I see no wonder. Aiseh like that I apply online easier.

Now thinking of a replacement for Vox

This post has been edited by Duckies: Aug 13 2016, 02:43 PM

Any Aeon credit card will do? Or need specific Aeon card?

Eh guys, those paywave debit card....it says no need PIN for transaction below 250...if I want to set a PIN also can ah?

Haha you are correct on your guesses I just leave the CL to the default lol. Need to reduce CL? Why?

I see..I guess I will just cut some of the card that I don't use often

Hmm my utilization is pretty low every month so I guess it's a plus point? But I still got rejected when I tried to apply for UOB YOLO

No oh, new application.

1 question on the CCRIS thing. If I got rejected from credit card application, does it show on the record? Will it impact anything on future loan like house or car loan?

Weh nice! I need that too since I couldn't get UOB YOLO

Can someone tag me when this card comes out? Hahaha

This post has been edited by Duckies: Mar 22 2017, 09:18 AM

Oh really? Hmm if capped at 30 for Cash Back online then CIMB Cash Rebate is almost the same but without the dining I don't use credit card much for dining

Well PBB came out with 2 new cards, need some brain storming with all sifus here.

Currently I am still holding Citibank Cash Rebate, Maybank 2 Card and CIMB Cash Rebate.

I only use Citibank if they do not accept AMEX. CIMB Cash Rebate for online.

Initially plan to apply Standard Chartered Just One Platinum...just dump all into this card and get 85 rebate once I hit 2.5k transaction.

Now thinking if I really need Just One or can play around with these 2 PBB cards.

Can't get UOB Yolo - got rejected last time and haven't pass the 6 months cool down period yet.

My monthly spendings + my family since I sub my card to them is usually around 3-6k

Petrol (my mom and I usually pump on weekend and Shell mostly) = 400
Petrol (my dad but he will pay at counter
only instead of the machine and only pump for weekdays - Petron or BHP) = 1k
Dining = 300-600
Online Payment (bills and some online shopping) = 300-1k depends on shopping
Groceries = 200-300
Other retails = 1-2k

What I had in mind for now is that:

Maybank AMEX:
Petrol (my mom and I)
Groceries

PBB Quantum:
Dining
Online Payment

Standard Chartered Just One:
Petrol (my dad)
Other retails

This post has been edited by Duckies: Mar 23 2017, 09:33 AM

Could use PBB Quantum solely for dining and CIMB CR for Online

Eh AMEX can pay bills on weekend? Using UOBPayOnline?

Ah yes, I vaguely remember I was doing that also before they changed the TnC. I guess I can shift around for bill payments to AMEX and groceries to other cards. Thanks for reminding ya!

Eh I thought there's a separate thread for PBB Quantum but I can't find it anymore.