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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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Invince_Z
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 Mar 20 2018, 09:54 AM
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hi, i'm thinking of having a credit card for easy of payment on a couple of occasions/needs. it's also for my ccris/ctos good record.
1. Annual Income: RM26.1K
2. Free Lifetime Annual Fee: A Must have.
3. Card required for: petrol, monthly grocery shopping, occasional online purchase (lazada/shopee/etc)/eat out/hotel/flight bookings.
4. Existing credit cards (if any): Nil.
5. Interested in CC from: Nil.
6. Others: Don't want troublesome card. Want hassle free one. I would spent based on the money i have.
This post has been edited by Invince_Z: Mar 20 2018, 09:56 AM
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Invince_Z
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Mar 20 2018, 05:10 PM
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QUOTE(joevo2 @ Mar 20 2018, 09:58 AM) is this the only one available for me or the best available for me? |
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Invince_Z
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Mar 21 2018, 08:42 AM
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QUOTE(fruitie @ Mar 20 2018, 05:31 PM) UOB YOLO also OK but you need to spend minimum 8x with RM 10 and above every month. Cash back is not guaranteed as it is FCFS but I guess if you spend on first few days of the month should be OK. The rest of the cards require higher salary requirement. QUOTE(joevo2 @ Mar 20 2018, 05:43 PM) Most credit card requires 30k per annum, such as the Maybank 2 card is quite good. But this CIMB cash back is not bad also, there are still some other 24k per annum card but I think this is the best I know. thanks for your feedbacks. seems i should settle with cimb. reading and comparing the cards benefits placed cimb cc above other cc.  i wouldn't be applying now since i'm in procress of acquiring housing loan. after s&p signed i'll apply. would be good to use it to buy certain basic house equipments for my house later. This post has been edited by Invince_Z: Mar 21 2018, 08:43 AM |
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Invince_Z
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Mar 21 2018, 12:02 PM
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QUOTE(joevo2 @ Mar 21 2018, 08:57 AM) Usually when they approved your housing loan they’ll give you a credit card as well. really are? any way i can reject the cc since i have no use for cc atm and i don't want cluttered my purse and spending with unwanted cc. |
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Invince_Z
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Mar 21 2018, 11:13 PM
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QUOTE(joevo2 @ Mar 21 2018, 12:12 PM) I think they will ask first, mine once approved they asked and just simple form filling and done 2 cc suddenly appear LOL i see. then i hope the approved loan is from cimb. easier for me to decide. can add monthly payment in standing instruction.  |
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Invince_Z
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Apr 19 2018, 07:50 AM
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QUOTE(joevo2 @ Mar 20 2018, 09:58 AM) bro, i realise, cimb cc wouldn't work for me. i actually needs maybank cc..mainly due to lazada installment plan.  like this must increase my income 1st lor. what's good mbb cc? i've been keeping some amount of money in mbb savings acc. This post has been edited by Invince_Z: Apr 19 2018, 08:50 AM |
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Invince_Z
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Apr 21 2018, 06:29 PM
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QUOTE(salimbest83 @ Apr 21 2018, 12:01 PM) my gross i think ok.. but dunno what criteria maybank reject my last year application some if tips they said, get pre-approval from maybank branch which you open your acc. i'm not sure how this would help tho. i gonna give it a try as well. need the cc for house appliances online purchases (0% 12 months instalment). This post has been edited by Invince_Z: Apr 21 2018, 06:32 PM |
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Invince_Z
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May 19 2018, 02:44 PM
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for Maybankard 2 Cards, do we need to use both cards equally or we can just use one card (abandon the other one)?
This post has been edited by Invince_Z: May 19 2018, 02:44 PM
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Invince_Z
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May 19 2018, 06:02 PM
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QUOTE(matrix88 @ May 19 2018, 02:45 PM) up to you to use either one la QUOTE(SzeMeng76 @ May 19 2018, 04:57 PM) If you have another better card, then please always abandon the other one like me. so there's really no issue if we abandon either one la.  i thought got minimum limit use for each. This post has been edited by Invince_Z: May 19 2018, 06:03 PM |
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Invince_Z
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May 19 2018, 06:27 PM
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QUOTE(SzeMeng76 @ May 19 2018, 06:24 PM) No. The another card always inside my drawer. LOL which one u use? amex or visa/mastercard? |
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Invince_Z
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May 21 2018, 09:24 PM
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QUOTE(fruitie @ May 19 2018, 06:58 PM) Surely AmEx lo. I also keep my MasterCard in the drawer and only use it for Balance Transfer (whenever there's such a promo), easier to keep track and won't mix with my other transactions. the amex or visa/mastercard can use at petrol stations and get cashback? |
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Invince_Z
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May 24 2018, 10:50 PM
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QUOTE(jchong @ May 23 2018, 04:02 PM) With the Maybank Amex card you get 5% cash back on weekends only. i see. it's for any type spending right? so can spend on groceries, shopping, petrol and dining as well. so in 4 weeks spend mry1,000. weekly spend myr250. |
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Invince_Z
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Jan 31 2020, 09:08 PM
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i failed getting maybank cc again. T_T i need their epp advantage.
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