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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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SzeMeng76
post Nov 4 2017, 09:33 AM

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QUOTE(borneoman1 @ Nov 4 2017, 09:21 AM)
Wow, thank you for telling me about the PBB Quantum 2 Cards. Especially the MC one.

I do online transactions a lot. Rarely petrol & groceries.

Say I have RM1600 bill.
I can split it, pay RM1k using MBB Amex to get max rm50 cashback.
Then RM600 use PBB Quantum MC to get max RM30 cashback.

Is that how it goes?

Can I register the PBB card on M2U, and pay the statement bill there? Any charges?
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Yes for all.
And last question you can, pay by GIRO, charges RM 0.11 or Instant transfer RM 0.53.
SzeMeng76
post Nov 8 2017, 11:03 PM

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QUOTE(carloschak @ Nov 8 2017, 10:57 PM)
what's the difference between MBB 2 cards and FCB ?

Seems like everyone is recommending that FCB rather than the 2 cards
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I think most of us having both M2C & FCB

M2C Amex - 5% CB for all spending on AMEX during WEEKENDS. (CB capped monthly RM 50)
FCB - 2% all spending ALL DAY CB capped monthly RM 50 (Except May & August), 10% all spending ALL DAY for May & August CB capped monthly RM 100.

This post has been edited by SzeMeng76: Nov 9 2017, 03:19 AM
SzeMeng76
post Nov 9 2017, 03:20 AM

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QUOTE(mamamia @ Nov 8 2017, 11:04 PM)
May & Aug is capped at RM100 in the month
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Yes sorry my human error typo, amended
SzeMeng76
post Nov 16 2017, 04:09 PM

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QUOTE(hello_hello @ Nov 16 2017, 03:55 PM)
Hi,

Tried to apply for CC but rejected.
I am self employed and declared my income tax too.
Based on income tax my monthly income about RM 4000.
PTPTN Loan was restructured on April 2017 and did not missed the installment since April 2017.
Checked my CCRIS for PTPTN, it appeared 0 0 0 0 (which means i pay on time)
At the same time, i do contribute EPF (on own) RM 200 per month.

Any reason why my application was failed?
The banker said my record was too clean as I dont have any car/house loan except PTPTN
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Yes it could be. Ur business income come in by deposit to which bank? Try that bank 1st.
SzeMeng76
post Nov 21 2017, 10:29 PM

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QUOTE(renjiv2 @ Nov 21 2017, 09:59 PM)
ALL PURCHASES term does tat mean pump petrol & online transaction oso entitle cash back?  blink.gif
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Yes. Any spending as long as u pay using this card.
SzeMeng76
post Nov 24 2017, 01:31 PM

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QUOTE(Arvinaaaaa @ Nov 24 2017, 01:30 PM)
hi just want to get clarification.. so lets say if u buy an item from senq with the 0% interest for 12 month plan. that means public bank wont charge any interest for the 12 months right provided is i pay monthly on time right??..

and also what about other purchases aside from senq with no 0% installment plans? will i be imposed as in the image attached (15% per annum) provided if i pay on time every month?

thanks in advance smile.gif
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Yes. and if you paid on time every month your statement balance, wont be imposed any interest.
SzeMeng76
post Nov 24 2017, 02:04 PM

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QUOTE(Arvinaaaaa @ Nov 24 2017, 01:41 PM)
alright so i just need to pay on time hahaha..also, what does the 15% finance charge per annum mean as in the image i attached?with prompt minimum repayment of 12 months within 12 consecutive months? sorry am kinda new to the credit card world  biggrin.gif

thank you very much for your reply smile.gif
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That interest only apply when you not settle your statement balance in full. So no worries. Make sure you clear ur balance monthly wont be a problem.
SzeMeng76
post Dec 21 2017, 11:37 AM

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QUOTE(max_vartan @ Dec 21 2017, 10:20 AM)
thanks for this suggestion.
it is really a good one.
Citibank Platinum annual fee RM 600 (unlimited airport lounge access)
UOB PRVIMILES stop the airport lounge service starting 1st jan.
i will apply this for sure.
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Ambank change new TnC need to swipe your card RM 500 only activate the free lounge.
For free condition free lounge,
may consider Aeon Gold / PBB Visa Signature. (but both not unlimited lounge access)
SzeMeng76
post Feb 11 2018, 12:14 AM

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QUOTE(ngaisteve1 @ Feb 11 2018, 12:02 AM)
If pay for wedding dinner using card, example RM12000, which card got unlimited cash back? OCBC titanium 1%?
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1% OCBC Titanium only for online spending.
For retail spending suggest Hong Leong Essential.

First 5k - RM 30 (RM 5k x 0.6%)
7k - RM 70 (RM 7k x 1% unlimited)
Total RM 100.
SzeMeng76
post Feb 13 2018, 04:52 PM

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QUOTE(joevo2 @ Feb 13 2018, 03:50 PM)
For petrol im not so sure... hahaha can use Amex 5% at weekend to pump... hmmm or maybe Maybank FC Barcelona 2% all transaction everyday max RM50 also... Citibank have a shell card?
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Yes, I have it. But it's useless. Planning to cancel together with the CB cards.
https://www.citibank.com.my/english/credit-...credit-card.htm
https://www.citibank.com.my/shelltnc.pdf
First I thought everyday 8%.

Attached Image

After add card baru see this doh.gif
SzeMeng76
post Apr 20 2018, 01:05 PM

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QUOTE(salimbest83 @ Apr 20 2018, 11:59 AM)
Maybank ikhwan Petronas Cc need minimum 36k annual rite?
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30K annual. Means 2.5k monthly salary.
SzeMeng76
post Apr 21 2018, 10:21 AM

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QUOTE(salimbest83 @ Apr 21 2018, 10:09 AM)
gross or net?
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Gross (and not included for OT/commission)
Only include salary + fixed allowance, total gross which deducted for EPF, they do check your EPF too.
SzeMeng76
post May 2 2018, 03:17 PM

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QUOTE(delon85 @ May 2 2018, 03:12 PM)
Hi guys, I would like CC recommendation to pay off insurance company, with best benefits.
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What insurance company? And how much your total insurance per month?
SzeMeng76
post May 19 2018, 04:57 PM

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QUOTE(Invince_Z @ May 19 2018, 02:44 PM)
for Maybankard 2 Cards, do we need to use both cards equally or we can just use one card (abandon the other one)?
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If you have another better card, then please always abandon the other one like me. biggrin.gif
SzeMeng76
post May 19 2018, 06:24 PM

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QUOTE(Invince_Z @ May 19 2018, 06:02 PM)
so there's really no issue if we abandon either one la. rclxms.gif i thought got minimum limit use for each.
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No. The another card always inside my drawer. LOL
SzeMeng76
post May 22 2018, 10:37 AM

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QUOTE(7eleven7 @ May 22 2018, 09:13 AM)
hi all,  can recommend cc for balance transfer, 0% if possible

1. Annual Income: 84k

2. Free Lifetime Annual Fee: Yes

3. Card required for: balance transfer if possible lowest posibble

4. Existing credit cards (if any): maybank2card, ocbc titanium

5. Interested in CC from: none
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Public Bank always renew their 0% balance transfer. Now still having until June 2018. Their Quantum card and Visa Signature card good in benefit of cash rebate too. Highly recommended.
SzeMeng76
post Jun 23 2018, 12:27 AM

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QUOTE(whatsayyou @ Jun 22 2018, 09:24 PM)
1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Weekend dining. Free lounge access is a bonus.

4. Existing credit cards (if any): HSBC M-Power Plat.

5. Interested in CC from: Any bank

6. Others: Working in SG. Only use the card during weekends when in JB. Thinking of closing HSBC account, hence looking for new cc.
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PBB Visa Signature.
SzeMeng76
post Jun 27 2018, 12:11 AM

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QUOTE(ov3rdrive @ Jun 27 2018, 12:01 AM)
which one is better. citibank rewards card or cashback?
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Depend on u prefer rewards point or in term of cash return.
SzeMeng76
post Jun 30 2018, 02:16 PM

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QUOTE(Chyan @ Jun 30 2018, 11:32 AM)
Hi guys. I've a question.

Let's say I'm a supplementary card holder for MB 2 Cards, if I'd want to convert to a principal card holder, would that be possible?

Albeit with all requirements met.
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Not possible. You need submit fresh new application like normal. Bank need to check your CCRIS profile too. Because supp card not appeared in CCRIS though.
SzeMeng76
post Jul 3 2018, 04:57 PM

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QUOTE(ov3rdrive @ Jul 3 2018, 04:37 PM)
this you dont say i also know la.........

*smack head*
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Then please read post #1 & #2 properly and post the format here for others to help you.
Your question did not specify. doh.gif sweat.gif

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