Thanks for the confirmation.

Hi guys, need help. Not sure what is going on. current have 4 credit card from MBB (Ikhwan Plat, M2C Plat, VS, M2Premier and Amex Charge Green Card) yearly income 120 K. always payment full every month.

The prob. Always get rejected when apply at other bank. But for Maybank, I just submit B form, they increase CL without ask. Any idea how to get approve by other bank, without kacau my Credit Limit MBB?

Is there any bank fast and easy approve? BTW self employed with B form only, no EPF.

Thanks!

1. Annual Income: RM61k (gross)

2. Free Lifetime Annual Fee: Must or with 12 swipes a year

3. Card required for: Cash Back at Aeon.

4. Existing credit cards (if any): Maybank FC Barcelona, Pbb Quantum Cards

5. Interested in CC from: Aeon Credit

6. Others: Aeon Mall is just around 5 minutes drive from my home, would go there frequently to shop, wish to get a Card to enjoy more CB.

This post has been edited by siawyent: May 2 2018, 02:32 PM

Hi guys, I would like CC recommendation to pay off insurance company, with best benefits.

What insurance company? And how much your total insurance per month?

GE, yearly 4k+

Just sharing my opinion on which credit cards to prioritize in terms of usage (for heavy card users) solely based on effective cash back %.

UOB YOLO - 8%
PBE VS - 6%
MBB Amex - 5%
HLB WISE GOLD - 5%
SCB JustOne Plat - 3.4%
Citi Cash back - 3.3%
RHB WMC - 2.6%

Hi guys ,

Was submit all our information through online and apply credit card at RINGGIT PLUS , was it legal and safe ??

I believe they will sell our data or use for another purpose

Kindly comment if you apply credit card from ringgit plus before

Which banks have u tried? Citibank was smooth sailing for me. Im also self employed.

Legal and safe. Selling information or not, not sure, never got any weird calls after applied through them.
If you are worried, then just apply directly from banks.

I tried Aeon CC.

1. Annual Income: gross 80k

2. Free Lifetime Annual Fee: Yes or waive with swipe

3. Card required for: Occasional dining, occasional online purchases (lazada, flight tickets, accomodation etc.) and occasional grocery. General monthly spent about RM1-2k on average

4. Existing credit cards (if any): Maybank 2 Card Gold, SCB Master Cash Back Gold

5. Interested in CC from: Public Bank Visa Signature or Public Bank Quantum Signature

6. Others: Need extra cards to maximize CB earned as AMEX only applies on weekend and SCB to maximize CB, need to spend more.

Hi guys, may I know how to build up credit score to apply for CC? I'm currently a student with 2k+ gross income per month, no epf or income tax yet so far. Thanks

So long you are 21 years old and above with at least payslip to prove your source of income, then I guess it's good enough.

If I'm still 20, not eligible for any primary credit cards(not supplementary card from parents)?

Nope. BNM rule is minimum 21 years old.

1. Annual Income: RM48K (gross)

2. Free Lifetime Annual Fee: Must or with 12 swipes a year

3. Card required for: utilities, occasional dining, occasional entertainment (GSC, TGV), insurance premium, electronics products (hard disc, pendrive)

4. Existing credit cards (if any): Hong Leong Bank Essential Visa Gold, Ambank BonusLink Visa Platinum

5. Interested in Credit Card from: No bank preferences, more on CashBack, 0% balance transfer

Applied (6 May 2018):
Maybank FC Barcelona Visa Signature Credit Card
Public Bank Quantum Credit Card

This post has been edited by yongs90: May 6 2018, 09:28 PM

M2Cards, FCB VS. Apply these two first.

Maybank 2 Cards?
Gold and Amex?
All Retail 5% RM50 any amount on weekends only

And also FCB VS, can use everyday. Check out the respective threads.