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

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timo1003
post May 22 2017, 10:28 PM

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QUOTE(fly126 @ May 22 2017, 08:31 PM)
Only GOD knows, now jz "Taken for granted"... innocent.gif

You may Try to apply MBB Ikhwan MC 1st... icon_idea.gif
If you have rejected on Ikhwan try request Split CL from M2C by write in an Appeal Letter to Them (mbbcardservices@maybank.com.my)or call CS (Credit Card Dept.), template like below,
» Click to show Spoiler - click again to hide... «


Jz Recapped,

PBB
Quantum MC -   5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month.

MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month.
*
Wow. Thanks very much for the suggestion and template! Also appreciate the summary. =)
SUSmonoikhwan
post May 23 2017, 06:01 PM

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Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM72000

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Priorities are in order as below:
1) PTPTN
2) Cashback
3) Groceries
4) Bill payment
5) Petrol
Basically I'll be using this card to pay everything.

4. Existing credit cards (if any): Maybank Islamic MasterCard Ikhwan

5. Interested in CC from: Preferably from Maybank

6. Others: Please be specific. I tried applied for Maybank 2 Cards, but my application keep being rejected, I'm not sure why. Or is it because I already have Maybank Ikhwan CC?
fly126
post May 23 2017, 07:55 PM

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QUOTE(monoikhwan @ May 23 2017, 06:01 PM)
Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM72000

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Priorities are in order as below:
1) PTPTN
2) Cashback
3) Groceries
4) Bill payment
5) Petrol
Basically I'll be using this card to pay everything.

4. Existing credit cards (if any): Maybank Islamic MasterCard Ikhwan

5. Interested in CC from: Preferably from Maybank

6. Others: Please be specific. I tried applied for Maybank 2 Cards, but my application keep being rejected, I'm not sure why. Or is it because I already have Maybank Ikhwan CC?
*
Since when your last MBB2 Cards Rejection...??? hmm.gif

Write THEM an Appeal Letter request Split CL from your Current MBB Ikhwan to get Maybank 2Cards (mbbcardservices@maybank.com.my) template like below, of course the title Need change to Maybank 2 Cards (Appeal)
» Click to show Spoiler - click again to hide... «


OR you can try to have Other Cards to Cover Your Expenses... nod.gif

i) PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card, MBB Visa Signature.

ii) GROCERIES - MBB Ikhwan MC, CIMB CR Mastercard, MBB Visa Signature, PBB VS, UOB One, Citi CB Card.

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

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

v) BILLING - CIMB CR Mastercard, SCB Just One Plat. (via Auto Debit).

vi) 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 23 2017, 08:35 PM
onn1017
post May 25 2017, 11:54 AM

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Hi All,

I just start working for 5 months and planning to get a cc. Annual income around 30k.
I am choosing between CIMB Platinum MasterCard 5% Cash Rebate and UOB One VisaClassic.

Kindly advise. Thank you.
holloway
post May 25 2017, 01:16 PM

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From: On the Ivy Bridge
1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Utilities bills. And improve CTOS score (trying to get a good impression on the bank for future loans)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Citibank / Maybank

6. Others: Please be specific. I will be using the CC for above payments only. And maybe 0% installment plans. I have a good payment with my car CCM, but since i just started to pay my PTPTN loans 3 months ago. My CTOS score is not so good (still waiting for it to improve). I am not sure if i am blacklisted or not though for now
chiahau
post May 25 2017, 02:15 PM

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QUOTE(holloway @ May 25 2017, 01:16 PM)
1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Utilities bills. And improve CTOS score (trying to get a good impression on the bank for future loans)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Citibank / Maybank

6. Others: Please be specific. I will be using the CC for above payments only. And maybe 0% installment plans. I have a good payment with my car CCM, but since i just started to pay my PTPTN loans 3 months ago. My CTOS score is not so good (still waiting for it to improve). I am not sure if i am blacklisted or not though for now
*
Forget about Citibank.

If you're not holding a card from another bank for more than 1 year, they'll be reluctant to approve.

For maybank, 30k is the bare minimum.

Since you already have car loan and ptptn, quite tough to get approved actually.

UOB and cimb is known to be rather lenient.

Why don't you try out this 2 instead?
holloway
post May 25 2017, 02:51 PM

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QUOTE(chiahau @ May 25 2017, 02:15 PM)
Forget about Citibank.

If you're not holding a card from another bank for more than 1 year, they'll be reluctant to approve.

For maybank, 30k is the bare minimum.

Since you already have car loan and ptptn, quite tough to get approved actually.

UOB and cimb is known to be rather lenient.

Why don't you try out this 2 instead?
*
Hi,

thanks for the advise.

Any specific card plan i should look out for UOB and CIMB?
chiahau
post May 25 2017, 03:02 PM

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From: Malaysia
QUOTE(holloway @ May 25 2017, 02:51 PM)
Hi,

thanks for the advise.

Any specific card plan i should look out for UOB and CIMB?
*
UOB 1 Card with AF after 1st year.

CIMB CR Plat with zero AF forever.
holloway
post May 25 2017, 05:26 PM

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QUOTE(chiahau @ May 25 2017, 03:02 PM)
UOB 1 Card with AF after 1st year.

CIMB CR Plat with zero AF forever.
*
Hi,

Thanks for the recommendations
JamesBotak
post May 26 2017, 11:07 AM

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QUOTE(fly126 @ May 12 2017, 08:07 PM)
So far still acceptable, OK if u live in KL. Most of Online Store (the Ang-mo punya) eBay, Amazon, PayPal, Book Depository also Accept Amex.
U can pay your Billing with 2Amex via Maybank2U to earn CB as I also do the Same & Most of my CB are from Utilities Bill.
*
I was just scrolling through reading some info and found this which caught my attention.

Do you mean if we pay TNB and water bill using 2Amex via M2U on weekends can get 5% CB ?

What about Astro, TM, Telco (Celcom, Maxis, etc) ?

My Petronas Ikhwan just got approved and after reading this, somehow I'm regretting didn't ask here first.

EDIT: I'm assuming we can also use 2Amex for petrol and groceries on weekend and get 5% CB ?

If this is true, my Petronas Ikhwan doesn't justify my spending. rclxub.gif

This post has been edited by JamesBotak: May 26 2017, 11:09 AM
laymank
post May 26 2017, 11:10 AM

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QUOTE(JamesBotak @ May 26 2017, 11:07 AM)
I was just scrolling through reading some info and found this which caught my attention.

Do you mean if we pay TNB and water bill using 2Amex via M2U on weekends can get 5% CB ?

What about Astro, TM, Telco (Celcom, Maxis, etc) ?

My Petronas Ikhwan just got approved and after reading this, somehow I'm regretting didn't ask here first.
*
technically, anything that accepts your Amex card 2 payment on weekend are subjected to 5% cashback.
duttway
post May 26 2017, 11:12 AM

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hi am looking for recommendations:-


Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM80000

2. Free Lifetime Annual Fee: A Must

3. Card required for:

1) Cashback for petrol, groceries and bill payment
2) Card that can still be accepted overseas for hotels (more for business trips)

4. Existing credit cards (if any): None

5. Interested in CC from: Recommend me

Thanks lots. hopefully i won't need two separate CCs

This post has been edited by duttway: May 26 2017, 11:12 AM
fly126
post May 26 2017, 11:27 AM

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QUOTE(duttway @ May 26 2017, 11:12 AM)
hi am looking for recommendations:-


Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM80000

2. Free Lifetime Annual Fee: A Must

3. Card required for:

1) Cashback for petrol, groceries and bill payment
2) Card that can still be accepted overseas for hotels (more for business trips)

4. Existing credit cards (if any): None

5. Interested in CC from: Recommend me

Thanks lots. hopefully i won't need two separate CCs
*
Maybank 2Cards
» Click to show Spoiler - click again to hide... «


http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: May 26 2017, 12:02 PM
JamesBotak
post May 26 2017, 11:36 AM

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QUOTE(laymank @ May 26 2017, 11:10 AM)
technically, anything that accepts your Amex card 2 payment on weekend are subjected to 5% cashback.
*
Well, I should have applied this instead.

Is it possible to apply for M2Cards despite just got approved for Ikhwan ?
fly126
post May 26 2017, 11:58 AM

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QUOTE(JamesBotak @ May 26 2017, 11:36 AM)
Well, I should have applied this instead.

Is it possible to apply for M2Cards despite just got approved for Ikhwan ?
*
Maybe can call asked them Convert your Ikhwan to M2C said you have mistaken applied the wrong card.
BlurGuy1992
post May 26 2017, 12:11 PM

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Joined: May 2014
From: Selangor
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Yes. (any t&c to waive annual fee? 12swipe?)

3. Card required for: Petrol, Cash Back/Rebate, Online purchase, phone topup.

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

5. Interested in CC from: Citibank - Nil.

6. Others: Don't mind reward point, more cash back better.
fly126
post May 26 2017, 12:28 PM

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Joined: Jun 2012
QUOTE(BlurGuy1992 @ May 26 2017, 12:11 PM)
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Yes. (any t&c to waive annual fee? 12swipe?)

3. Card required for: Petrol, Cash Back/Rebate, Online purchase, phone topup.

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

5. Interested in CC from: Citibank - Nil.

6. Others: Don't mind reward point, more cash back better.
*
CIMB Cash Rebate MasterCard.

Since you're not having Credit History from any Bank before, Citibank won't Approve their card to you as they want ppl with at least 1 year credit History & most of their Cards come with Annual Fee .

This post has been edited by fly126: May 26 2017, 12:32 PM
duttway
post May 26 2017, 01:19 PM

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QUOTE(fly126 @ May 26 2017, 11:27 AM)
Maybank 2Cards
» Click to show Spoiler - click again to hide... «


http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
*
hey thanks for the recommendation - 3 year expiry is for the points and not the card right?
fly126
post May 26 2017, 01:26 PM

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QUOTE(duttway @ May 26 2017, 01:19 PM)
hey thanks for the recommendation - 3 year expiry is for the points and not the card right?
*
Ya, Usually our card can use up to 5 yrs.
laymank
post May 26 2017, 01:39 PM

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QUOTE(JamesBotak @ May 26 2017, 11:36 AM)
Well, I should have applied this instead.

Is it possible to apply for M2Cards despite just got approved for Ikhwan ?
*
As long as your credit is in favor, I don't see why not.
If you are around KL/Selangor, walk in to the card center, you probably can get the card on the spot after 1 hour. I did it that way.

This post has been edited by laymank: May 26 2017, 01:40 PM
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