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

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Duckies
post Dec 30 2016, 02:54 PM

Rubber Ducky
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Looking for a new card for bill payment. I got rejected for UOB Yolo so this card cannot liao.
Duckies
post Dec 30 2016, 04:21 PM

Rubber Ducky
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QUOTE(fly126 @ Dec 30 2016, 04:08 PM)
Seems that you gonna Utilized your CIMB CR  for Bill payment via Auto Debit/SI.
*
Need to set Auto Debit only can get cash rebate? hmm.gif Any other cards I can use? Maybe will force to use the Aeon + CIMB Cash Rebate method?
Duckies
post Dec 30 2016, 04:34 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(cybpsych @ Dec 30 2016, 04:31 PM)
that's the t&c for cimb cr to get cashback for bill payment.

aeon+cimb, how u intend to do that?
*
I remember I read somewhere last time, pay with Aeon then pay Aeon bill with other cards. I can't recall if it's CIMB Cash Rebate hmm.gif Or was it for UOB Yolo?

This post has been edited by Duckies: Dec 30 2016, 04:36 PM
Duckies
post Dec 30 2016, 04:38 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fruitie @ Dec 30 2016, 04:36 PM)
Pay AEON via PosOnline using online transactions cash back cards but PosOnline has disabled credit card feature for more than a month now...
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QUOTE(cybpsych @ Dec 30 2016, 04:37 PM)
this method is paying aeon cc via posonline portal.

and fyi, posonline disabled cc payment mode since early Dec. no news when they reenable back.
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Oh wow, I am outdated already. Hmmm any other cards that I can use to pay bills other than UOB Yolo? Else I'll give up and just pay it using any card.

Don't really want to set auto debit/SI.

Additional info, my annual income is not high enough for those card that requires 80k -120k sweat.gif

This post has been edited by Duckies: Dec 30 2016, 04:39 PM
Duckies
post Dec 30 2016, 04:53 PM

Rubber Ducky
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Senior Member
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Joined: Jun 2008
From: Rubber Duck Pond


QUOTE(fruitie @ Dec 30 2016, 04:52 PM)
It's just YOLO that I can think of now. Try applying again or appealing to UOB.
*
Yea I also can only think of that. I tried appealing once but still got rejected. They never gave me the reason though sweat.gif sweat.gif
Duckies
post Dec 30 2016, 04:59 PM

Rubber Ducky
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Joined: Jun 2008
From: Rubber Duck Pond


QUOTE(fruitie @ Dec 30 2016, 04:57 PM)
CCRIS OK? Have you checked that part? Any PTPTN outstanding before this?
*
Could be affected by PTPTN. I stopped paying a while and then started to pay every month since then. Could be the outstanding balance from PTPTN.

Maybe UOB is very particular on PTPTN loans hmm.gif
Duckies
post Dec 30 2016, 10:14 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fruitie @ Dec 30 2016, 05:00 PM)
Yes, then that's the case. Just make sure it is showing good consistent payment only start applying again.
Not UOB particular with PTPTN loan, it is just that your CCRIS is not beautiful anymore. All banks will have the same evaluation anyway.
*
But I could get credit cards from other banks such as Citibank, HSBC and PBB hmm.gif
Duckies
post Dec 31 2016, 12:21 AM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fly126 @ Dec 30 2016, 10:20 PM)
Is it You manage to get ALL these CC before Mac 2016, I think after Mac 2016 they baru Implement the CCRIS Stingy Thing whistling.gif
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QUOTE(fruitie @ Dec 30 2016, 10:20 PM)
Well, probably it's really UOB strict.
*
Nah, my latest card application was just last month sweat.gif I guess UOB is pretty strict on this.
Duckies
post Mar 3 2017, 10:51 AM

Rubber Ducky
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From: Rubber Duck Pond


Eh any credit card that gets rebate when paying for PTPTN or insurance?
Duckies
post Mar 24 2017, 11:04 AM

Rubber Ducky
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From: Rubber Duck Pond


Hey guys I plan to book accomodation for vacation soon. Around 1k. Any credit card I can use to fully utilize this? Plan to book from Agoda.

So far I can only think of Maybank 2 card AMEX on weekend. CIMB CR maybe?
Duckies
post Mar 24 2017, 11:23 AM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fruitie @ Mar 24 2017, 11:21 AM)
YOLO as well.
*
Got rejected last time so couldn't get this card. So I am limited to Maybank 2 AMEX. CIMB CR consider that as online?
Duckies
post Mar 24 2017, 11:29 AM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fly126 @ Mar 24 2017, 11:28 AM)
However, NO CB on Flight Tickets Booking with CIMB CR.
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Shit I guess AMEX will be the only legit one given I can't/don't have YOLO.
Duckies
post Mar 24 2017, 11:51 AM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(fruitie @ Mar 24 2017, 11:50 AM)
Yes for sites like Booking.com, Agoda but you may be charged with 1% border charge.
Else, apply for Quantum. biggrin.gif
*
Tak sempat dah haha. Going next 2 weeks adi so kena book now XD
Duckies
post Apr 18 2018, 01:51 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(taiko8148 @ Apr 18 2018, 01:15 PM)
Thanks for yout suggestion.

But SCB 1 plat cb cap $ 12 only if usage 1k-1.5k. (If 50x30 days)
Currently using MBB C2 amex & Ikhwan but cash back only avail on friday-sunday.
Now seaching for weekday fuel purchase rebate.
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QUOTE(eddievh @ Apr 18 2018, 01:38 PM)
MBB VS, but got AF .
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QUOTE(taiko8148 @ Apr 18 2018, 01:46 PM)
Not worth.

Other method is buy petronas fuel card via lazada less discount coupon/ card rebate/shopback but
Not convinience at all.
*
Previously was using Citibank Cash Rebate for weekday petrol but too bad they had revised the TnC. Couldn't find a good card for week day petrol so currently using Maybank Ikhwan Petronas (8% rebate on weekend and Petronas only).

Not convenient but good rebate so...yea sweat.gif
Duckies
post Apr 18 2018, 02:59 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(taiko8148 @ Apr 18 2018, 02:57 PM)
Yea and currently using it too....now looking for weekday usage since everyday willl need to pump petrol.
Try to maximize all cash rebate to cover car expenses.
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If ur petrol usage is very high then can refer to those sifu's suggestion like Standard Chartered. For my case cause just 400++ so can't fully utilise those credit card
Duckies
post Apr 18 2018, 03:22 PM

Rubber Ducky
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Joined: Jun 2008
From: Rubber Duck Pond


QUOTE(cybpsych @ Apr 18 2018, 03:14 PM)
since ur bro is a grab driver (which region/area?), can try go to Petronas @ Sungai Besi-Puchong Bypass.

use MBB Ikhwan Visa Petronas, reload max RM625 into Petronas Gift Card for max RM50 cashback. since avg spending is RM50/day, probably just enough to last for 1.5-2 weeks.

use combination of other cards to gives Petrol cashback, e.g use MBB Ikhwan Mastercard, reload max RM1,000 on Saturday for RM50 cashback.

Pro: use the Petronas Gift Card anydays. good to combine with Grab Mesra Fuel Savers Programme (ending 30 Apr) or Grab-Mesra 5X card.
Con: reload at this Petronas got 1% surcharge, eg reload RM500, surcharge RM5, staff swipe RM505 into credit card.
if too lazy or not convenient, use MBB FCB VS with 2% cashback instead.
*
Ehhh, quite a good idea! I'll just reload 300-400 on weekend using Ikhwan Petronas then I can use on weekdays.

Any cons on using the gift card? Like below 10 bucks cannot use and etc hmm.gif hmm.gif
Duckies
post Apr 18 2018, 03:56 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(cybpsych @ Apr 18 2018, 03:33 PM)
not that i'm aware of.

the gift card is a prepaid card. u reload and use.
for petronas, not sure what is the max amount per reload. need to ask.
if your rm300-400 reload, surcharge would be rm3-4, staff swipe rm303-404 to your Ikhwan Visa Petronas card. 8% cashback is based on RM303-404, so nett cashback is about 7%
*
Eh, why is it 7%? I thought 8% - 4% then it would be 5% nett cashback?
Duckies
post Apr 18 2018, 04:03 PM

Rubber Ducky
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From: Rubber Duck Pond


QUOTE(cybpsych @ Apr 18 2018, 03:59 PM)
why -4%?
*
Ahhhh, was replying when I was working. 8-4 = 4%, not 5% nett cashback. Math failed doh.gif

Cause I thought it's 1% for every 100 bucks reloaded. Don't know why I thought it that way doh.gif

Maybe because of how touch and go reload works - 0.50 per 50 bucks reload (1%) so I thought Petronas gift card reload also work in a similar way sweat.gif

This post has been edited by Duckies: Apr 18 2018, 04:06 PM
Duckies
post Feb 23 2019, 10:40 PM

Rubber Ducky
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Senior Member
9,789 posts

Joined: Jun 2008
From: Rubber Duck Pond


Hunting for free gifts from credit card. Currently have Maybank, PBB, Standard Chartered and Affinbank credit cards already.

Eyeing on HSBC Lazada RM500 voucher but the due date for the campaign is end of this month...not sure if I can make it. Plan to apply via booth on Monday at Sunway Pyramid.

Also eyeing on Citibank Clear for free gym and smart bag.

Any other credit card that gives good offers/presents/free gifts?

This post has been edited by Duckies: Feb 23 2019, 10:41 PM
Duckies
post Dec 13 2019, 09:08 AM

Rubber Ducky
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Senior Member
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Joined: Jun 2008
From: Rubber Duck Pond


Any recommendation for ewallet and online transactions? I already got PBB Quantum and PBB Visa Signature. The only one I could thought of is UOB YOLO. Any other choices?

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