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

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cappuccino vs latte
post May 16 2017, 08:08 PM

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Can we lodge report with BNM for the cases that third party service providers endorsed by financial institutions like the above giving misleading information renders general losses in terms of financial interests, time spent etc?
DarReNz
post May 16 2017, 08:40 PM

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QUOTE(sterogue35 @ May 1 2017, 09:00 PM)
I have all the documents but in local language. Should I translate them by myself or hire an official translator or should I just provide all the photocopy as it and the bank will fix it themselves?
thanks.
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you can translate it yourself and send it to the bank, check out the public bank thread https://forum.lowyat.net/topic/4251865
工藤新一
post May 16 2017, 10:15 PM

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QUOTE(fly126 @ May 16 2017, 06:32 PM)
LOL, I see. then which cash back card is good beside HL Wise card?
I mostly spend on dining and petrol only.

This post has been edited by 工藤新一: May 16 2017, 10:15 PM
fly126
post May 17 2017, 12:31 AM

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QUOTE(工藤新一 @ May 16 2017, 10:15 PM)
LOL, I see. then which cash back card is good beside HL Wise card?
I mostly spend on dining and petrol only.
*
i) PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card.

ii) DINING - PBB Quantum Mastercard, HLB Mach, MBB 2Cards, UOB Yolo, PBB Visa Signature.

ii) ONLINE - PBB Quantum Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB Yolo.

iii) MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Gold.

» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: May 22 2017, 09:20 PM
Abk92
post May 17 2017, 12:59 AM

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Need recommendation of CC

1. Annual Income: RM 33K

2. Free Lifetime Annual Fee: No AF

3. Card required for: Petrol (RM 200) Groceries (RM 300) Insurance (RM 200)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Petronas Maybankcard Visa & Petronas Ikhwan Visa

6. Which one is better CB 8% or 8x TP on weekend? Really confusing me 😂

A million thx guys!!!
fly126
post May 17 2017, 01:07 AM

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QUOTE(Abk92 @ May 17 2017, 12:59 AM)
Need recommendation of CC

1. Annual Income: RM 33K

2. Free Lifetime Annual Fee: No AF

3. Card required for: Petrol (RM 200) Groceries (RM 300) Insurance (RM 200)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Petronas Maybankcard Visa & Petronas Ikhwan Visa

6. Which one is better CB 8% or 8x TP on weekend? Really confusing me 😂

A million thx guys!!!
*
MBB 2 Cards- 5% CB at Weekends on Everything spend
or
MBB Ikhwan MC- 5% CB on Groceries & Petrol spend every Fri, Sat.
工藤新一
post May 17 2017, 03:20 PM

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QUOTE(fly126 @ May 17 2017, 12:31 AM)
i) PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card.

ii) DINING - PBB Quantum Mastercard, HLB Mach, MBB 2Cards, UOB Yolo, PBB Visa Signature.

iii) MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Gold.
*
Ok thanks~
pandera999
post May 17 2017, 03:46 PM

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recommend for a friend

1. Annual Income: around RM36K

2. Free Lifetime Annual Fee: yes.. a must

3. Card required for: List all your needs. Gadgets, flight and hotel, travel

4. Existing credit cards (if any): none

5. Interested in CC from: Maybank 2 card (i will have both card or only 1)

6. Others: get point rewards,



laymank
post May 17 2017, 03:54 PM

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QUOTE(pandera999 @ May 17 2017, 03:46 PM)
recommend for a friend

1. Annual Income: around RM36K

2. Free Lifetime Annual Fee: yes.. a must

3. Card required for: List all your needs. Gadgets, flight and hotel, travel

4. Existing credit cards (if any): none

5. Interested in CC from: Maybank 2 card (i will have both card or only 1)

6. Others: get point rewards,
*
maybankard 2 comes in pair, you cannot have only 1.

you can also consider Public Bank Quantum cards (also comes in pair) and/or CIMB Cash Rebate. All are without annual fee.
pandera999
post May 17 2017, 04:15 PM

모든 것​에는 정해진 때​가 있으니
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QUOTE(laymank @ May 17 2017, 03:54 PM)
maybankard 2 comes in pair, you cannot have only 1.

you can also consider Public Bank Quantum cards (also comes in pair) and/or CIMB Cash Rebate. All are without annual fee.
*
they come in pair. so how to use it? both need swipe? hmm.gif sweat.gif
SzeMeng76
post May 17 2017, 04:42 PM

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QUOTE(pandera999 @ May 17 2017, 04:15 PM)
they come in pair. so how to use it? both need swipe?  hmm.gif  sweat.gif
*
not necessary. normally we only use AMEX as got 5% cashback n TP during weekends.
but u need to keep both cards
pandera999
post May 17 2017, 09:43 PM

모든 것​에는 정해진 때​가 있으니
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QUOTE(SzeMeng76 @ May 17 2017, 04:42 PM)
not necessary. normally we only use AMEX as got 5% cashback n TP during weekends.
but u need to keep both cards
*
alright... noted nod.gif
laymank
post May 18 2017, 07:46 AM

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QUOTE(pandera999 @ May 17 2017, 04:15 PM)
they come in pair. so how to use it? both need swipe?  hmm.gif  sweat.gif
*
Pair, as in AMEX + Visa/Mastercard.

Of course you only use one card at any time.
realitec
post May 19 2017, 08:03 AM

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1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Can be waived upon 12 swipes

3. Card required for: Cash Back, and to purchase installment with 0% interest with SenHeng

4. Existing credit cards (if any): Hong Leong Essential Card

5. Interested in CC from: Public Bank Credit Card

6. Others: I am paying ptptn RM159.72 per month. Currently never missed any payment.

Thank you and looking for favorable replies smile.gif

cybpsych
post May 19 2017, 09:17 AM

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user posted image

just realized OCBC 365 MasterCard has 4 good features:

1) 1% rebate on monthly spend up to RM1,000. very good for small-ish amount like monthly Insurance or dan-lain-lain items.

2) No annual fee for the first 3 years. **Only applicable to first time OCBC Credit Card customers and customers who last held an OCBC Credit Card more than 12 months ago.

3) Acquisition Promo, RM88 Cash Rebate (1645 units only) if approved during the Campaign Period and activated within 30 days after approval.

4) Annual Income: At least RM24,000 per annum, which is quite accessible for freshies.
chonghe
post May 19 2017, 09:25 AM

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QUOTE(cybpsych @ May 19 2017, 09:17 AM)
user posted image

just realized OCBC 365 MasterCard has 4 good features:

1) 1% rebate on monthly spend up to RM1,000. very good for small-ish amount like monthly Insurance or dan-lain-lain items.

2) No annual fee for the first 3 years. **Only applicable to first time OCBC Credit Card customers and customers who last held an OCBC Credit Card more than 12 months ago.

3) Acquisition Promo, RM88 Cash Rebate (1645 units only) if approved during the Campaign Period and activated within 30 days after approval.

4) Annual Income: At least RM24,000 per annum, which is quite accessible for freshies.
*
looks like a good card. That means if apply now once approved and activate got RM 88 for free?
cybpsych
post May 19 2017, 09:28 AM

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QUOTE(chonghe @ May 19 2017, 09:25 AM)
looks like a good card. That means if apply now once approved and activate got RM 88 for free?
*
yes, but limited to first 1645 units only. not sure if ocbc can tell upfront during application if still got chance or not.
chonghe
post May 19 2017, 09:33 AM

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QUOTE(cybpsych @ May 19 2017, 09:28 AM)
yes, but limited to first 1645 units only. not sure if ocbc can tell upfront during application if still got chance or not.
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do you know anywhere sign up booth where I can get the most free gift out of application? rclxms.gif

edit: don't think they can tell upfront but since it is only the first week I guess very high chance of getting rclxm9.gif

This post has been edited by chonghe: May 19 2017, 09:34 AM
cybpsych
post May 19 2017, 09:38 AM

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QUOTE(chonghe @ May 19 2017, 09:33 AM)
do you know anywhere sign up booth where I can get the most free gift out of application?  rclxms.gif

edit: don't think they can tell upfront but since it is only the first week I guess very high chance of getting  rclxm9.gif
*
haha i just realized promo started 15 May laugh.gif

got higher chance liao.
chonghe
post May 19 2017, 09:45 AM

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QUOTE(cybpsych @ May 19 2017, 09:38 AM)
haha i just realized promo started 15 May  laugh.gif

got higher chance liao.
*
where is the website actually shows the acquisition promo?

because https://www.ocbc.com.my/personal-banking/Ca...cards_365Master
doesn't show this


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