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

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fly126
post May 4 2017, 07:11 PM

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Wrong post edited...

This post has been edited by fly126: May 4 2017, 07:14 PM
fly126
post May 5 2017, 01:28 AM

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QUOTE(Mike_JP @ May 4 2017, 10:56 PM)
Dear all,

Not sure whether this is the correct place to ask.

Annual gross income more than 30K. Works in a MNC company

Tried applied CC with most banks but none was approved. Reasons being might because i dont have any commitment with any banks (loans etc).

Any idea which banks which is more lenient in this kin of issue?

Thanks
*
Jz post your Needs like following format as below, we will delighted give u a Recommendation
Btw, how many & which bank have rejected your Apps, You a Graduate baru keluar Kerja ...??? hmm.gif

QUOTE
1. Annual Income:

2. Free Lifetime Annual Fee:

3. Card required for:

4. Existing credit cards (if any): List them or Nil.

5. Interested in CC from:
Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info & maybe not too Stingy to approve their Credit Card to you.

You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR or Maybank2 Cards quite a decent Card for a NewB like U becos of it's Free for Life no worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a only.

After that, your may get 2nd CC & it can be something that offers extra benefits based on your lifestyle and spending habits like, UOB One or Citibank CB Card. nod.gif

FYI, Reason of CC Rejection
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html

This post has been edited by fly126: May 5 2017, 01:42 AM
Yugendx
post May 5 2017, 09:55 AM

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1. Annual Income: RM33K

2. Free Lifetime Annual Fee: YES

3. Card required for: 0% INSTALMENTS AND EMERGENCY USE

4. Existing credit cards (if any): Nil.

5. Interested in CC from: No Idea

6. Others: -

first time want to apply please recommend good one thanks in advance..
ChiaW3n
post May 5 2017, 10:08 AM

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QUOTE(fly126 @ May 4 2017, 06:50 PM)
You can Try to apply MBB Ikhwan MC 1st
If you have rejected on Ikhwan try request Split CL from M2C by write in an Appeal Letter to Them (mbbcardservices@maybank.com.my), macam in...
» Click to show Spoiler - click again to hide... «

MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month

Maybank 2 Cards - also Good on PTPTN
» Click to show Spoiler - click again to hide... «

*
thanks bro for the advice!
putra23
post May 5 2017, 04:34 PM

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QUOTE(haha89 @ May 4 2017, 01:58 PM)
Hi All,

1. Annual Income: RM100K and above.

2. Free Lifetime Annual Fee: Yes could be better.

3. Card required for:

   a) Petrol - Monthly Spend around RM600
   b) Facebook advertisement cost - Monthly Spend around RM3000 - Any card can have cash rebate for this field?

4. Existing credit cards (if any): HLB wise card only

5. Interested in CC from: I have no idea, too a lot card, don't know which 1 suit me

6. Others: Kindly please advise, especially the advertisement cost, if have any card can accpet for the cash rebate will be good for me. Thanks a lot smile.gif
*
Online payments for FB ads, can use multiple online cashback cards.
PB Visa Signature (can also apply separate supplementary cards).
MBB 2Cards Amex (weekends only)
UOB YOLO

This post has been edited by putra23: May 5 2017, 04:35 PM
putra23
post May 5 2017, 04:41 PM

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QUOTE(ChiaW3n @ May 4 2017, 03:50 PM)
1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol

4. Existing credit cards (if any): I am currently using, MBB2C, UOB One Card and Lady's Card and a normal HSBC Platinum.

5. Interested in CC from: 1. I am thinking wanted to terminate both UOB cards, find it not much CB and benefits. 2. Thinking want to convert to M2C to Maybank Ikhwan Card or not.

Hopefully i can get some useful tips here, thank you smile.gif :bow: :bow:
*
M2C quite useful with the 5% weekend cashback. Some petrol stations accept Amex.
No need to convert, try applying Ikhwan first.
salimbest83
post May 5 2017, 07:46 PM

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Hi

Help me clear some confusion pls

MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month

Maybank 2 Cards - also Good on PTPTN

My waifu already received maybank 2 card and 1 maybank American express.

How to use it properly with petrol, utilities, Prudential, streamyx, and groceries.. And some online shopping.

Which card to use for each type.
Tq so much
salimbest83
post May 5 2017, 07:47 PM

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From: Jelutong Penang
QUOTE(putra23 @ May 5 2017, 04:41 PM)
M2C quite useful with the 5% weekend cashback. Some petrol stations accept Amex.
No need to convert, try applying Ikhwan first.
*
What petrol station usually accept Amex?
chiahau
post May 5 2017, 08:08 PM

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From: Malaysia
QUOTE(salimbest83 @ May 5 2017, 07:46 PM)
Hi

Help me clear some confusion pls

MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month

Maybank 2 Cards - also Good on PTPTN

My waifu already received maybank 2 card and 1 maybank American express.

How to use it properly with petrol,  utilities,  Prudential, streamyx, and groceries.. And some online shopping.

Which card to use for each type.
Tq so much
*
QUOTE(salimbest83 @ May 5 2017, 07:47 PM)
What petrol station usually accept Amex?
*
Use the maybank Amex for all types of expenses during the weekend.

As for petrol station, most have no issues except for some branches of BHP and Caltex
Mike_JP
post May 5 2017, 11:03 PM

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From: Malacca
QUOTE(fly126 @ May 5 2017, 01:28 AM)
Jz post your Needs  like following format as below, we will delighted give u a Recommendation
Btw, how many & which bank have rejected your Apps, You a Graduate baru keluar Kerja ...??? hmm.gif
Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info & maybe not too Stingy to approve their Credit Card to you.

You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR or Maybank2 Cards quite a decent Card for a NewB like U becos of it's Free for Life no worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a only.

After that, your may get 2nd CC & it can be something that offers extra benefits based on your lifestyle and spending habits like, UOB One or Citibank CB Card. nod.gif

FYI, Reason of CC Rejection
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
*
Hi,

1. Annual Income: 30k

2. Free Lifetime Annual Fee: Depends. Dont mind if there's option if swipe a few times within specified days to waive annual fees

3. Card required for: No specific requirements. Just for occationally usage

4. Existing credit cards (if any): None

5. Interested in CC from: Any banks willing to offer me. No particular banks.



Salary credited to Hong Leong Bank. Tried applied there also was rejected. Had worked for more than 5 years.

Applied CC from Standard Chartered, Maybank, HLB, Citi, RHB. All was rejected. When called up and asked, they say that most probably due to no financial commitment. cry.gif cry.gif cry.gif

This post has been edited by Mike_JP: May 5 2017, 11:05 PM
SzeMeng76
post May 5 2017, 11:06 PM

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QUOTE(Mike_JP @ May 5 2017, 11:03 PM)
Hi,

1. Annual Income: 30k

2. Free Lifetime Annual Fee: Depends. Dont mind if there's option if swipe a few times within specified days to waive annual fees

3. Card required for: No specific requirements. Just for occationally usage

4. Existing credit cards (if any): None

5. Interested in CC from: Any banks willing to offer me. No particular banks.
Salary credited to Hong Leong Bank. Tried applied there also was rejected. Had worked for more than 5 years.

Applied CC from Standard Chartered, Maybank, HLB, Citi, RHB. All was rejected. When called up and asked, they say that most probably due to no financial commitment.  cry.gif  cry.gif  cry.gif
*
how much your commitment per month? any house/car/ptptn loan?
fly126
post May 6 2017, 12:54 AM

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QUOTE(Mike_JP @ May 5 2017, 11:03 PM)
Hi,

1. Annual Income: 30k

2. Free Lifetime Annual Fee: Depends. Dont mind if there's option if swipe a few times within specified days to waive annual fees

3. Card required for: No specific requirements. Just for occationally usage

4. Existing credit cards (if any): None

5. Interested in CC from: Any banks willing to offer me. No particular banks.
Salary credited to Hong Leong Bank. Tried applied there also was rejected. Had worked for more than 5 years.

Applied CC from Standard Chartered, Maybank, HLB, Citi, RHB. All was rejected. When called up and asked, they say that most probably due to no financial commitment.  cry.gif  cry.gif  cry.gif
*
Left UOB, CIMB, HSBC, Ambank, btw what's the Nature of Your Job...? hmm.gif

try UOB are Lenient compare to other but got Annual fee
HSBC are Lifetime fee Waiver due to min.12X Swipes p.a
Ambank, CIMB are FREE for Life

OR
Use FD Pleading with RM5K at HLB to get Credit Card (since your Salary Account is HLB). Start to build up your Credit History with FD Pledging 1st, maybe a year or after U got Credit History You can apply Credit card with your own Salary income... (This the Last Solution) console.gif

This post has been edited by fly126: May 6 2017, 09:48 AM
peja5081
post May 6 2017, 09:19 AM

Getting Started
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Joined: Sep 2007
QUOTE(fly126 @ May 5 2017, 01:28 AM)
Jz post your Needs  like following format as below, we will delighted give u a Recommendation
Btw, how many & which bank have rejected your Apps, You a Graduate baru keluar Kerja ...??? hmm.gif
Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info & maybe not too Stingy to approve their Credit Card to you.

You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR or Maybank2 Cards quite a decent Card for a NewB like U becos of it's Free for Life no worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a only.

After that, your may get 2nd CC & it can be something that offers extra benefits based on your lifestyle and spending habits like, UOB One or Citibank CB Card. nod.gif

FYI, Reason of CC Rejection
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
*
Hi cimb cr still exist? Bcoz cant find in ringgit plus.only got cimb cr platinum . i need card with cash rebate for online shop. Annual salary 40k
fly126
post May 6 2017, 09:35 AM

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QUOTE(peja5081 @ May 6 2017, 09:19 AM)
Hi cimb cr still exist? Bcoz cant find in ringgit plus.only got cimb cr platinum . i need card with cash rebate for online shop. Annual salary 40k
*
Sekarang, Kedua-dua Same shj...
https://www.cimbbank.com.my/en/personal/pro...d.1-7UYK5O.html
Mike_JP
post May 6 2017, 12:55 PM

New Member
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From: Malacca
QUOTE(SzeMeng76 @ May 5 2017, 11:06 PM)
how much your commitment per month? any house/car/ptptn loan?
*
No "tracable" commitment. Mean to say i dont have any debts from any financial institutions. Car bought under parents name. So, i'm not tied with any banking nor financial company
Mike_JP
post May 6 2017, 01:03 PM

New Member
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Junior Member
6 posts

Joined: Mar 2013
From: Malacca
QUOTE(fly126 @ May 6 2017, 12:54 AM)
Left UOB, CIMB, HSBC, Ambank, btw what's the Nature of Your Job...? hmm.gif

try UOB are Lenient compare to other but got Annual fee
HSBC are Lifetime fee Waiver due to min.12X Swipes p.a
Ambank, CIMB are FREE for Life

OR
Use FD Pleading with RM5K at HLB to get Credit Card (since your Salary Account is HLB). Start to build up your Credit History with FD Pledging 1st, maybe a year or after U got Credit History You can apply Credit card with your own Salary income... (This the Last Solution) console.gif
*
I'm working in a Insurance Company as a claims officer. Fixed salary.

Allright.. will try those banks u mentioned. BTW, i applied those cards all is either through bank directly or through ringgitplus website. Some people mentioned that it will be easier to be approved if we were approached by CC salesman at shopping centre etc?

So far i have no plans to pledge FD. it will be the final solution if all fails.. cry.gif
fly126
post May 6 2017, 03:02 PM

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QUOTE(Mike_JP @ May 6 2017, 01:03 PM)
I'm working in a Insurance Company as a claims officer. Fixed salary.

Allright.. will try those banks u mentioned. BTW, i applied those cards all is either through bank directly or through ringgitplus website. Some people mentioned that it will be easier to be approved if we were approached by CC salesman at shopping centre etc?

So far i have no plans to pledge FD. it will be the final solution if all fails..  cry.gif
*
Not Necessary lah, U want to apply direct tru Online also can
salimbest83
post May 6 2017, 07:16 PM

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QUOTE(chiahau @ May 5 2017, 08:08 PM)
Use the maybank Amex for all types of expenses during the weekend.

As for petrol station, most have no issues except for some branches of BHP and Caltex
*
Is that mean I don't need to use the maybank2 VISA at all?
fly126
post May 6 2017, 07:31 PM

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QUOTE(salimbest83 @ May 6 2017, 07:16 PM)
Is that mean I don't need to use the maybank2 VISA at all?
*
Yes, only use Visa at the Place don't Accept Amex.
#Victor
post May 7 2017, 12:43 AM

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1. Annual Income: N/A.

2. Free Lifetime Annual Fee: Not necessary.

3. Card required for: Cash Back/Rebate Only.

4. Existing credit cards (if any): N/A.

5. Interested in CC from: Any bank with unlimited cash back (but not 0.5%) | Hong Leong Bank WISE Card (too bad maximum cash back capped at RM100)

6. Others: I only want to pay bills (TNB) around RM9000/month with cash back, also reward points if possible.
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