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

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SzeMeng76
post Apr 28 2017, 02:59 PM

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QUOTE(harvin6 @ Apr 28 2017, 02:41 PM)
Hi mind elaborating how to autodebit ptptn payment on this card
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No autodebit, u only can get 5% cash back when u paying during weekends
SzeMeng76
post Apr 28 2017, 10:23 PM

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QUOTE(harvin6 @ Apr 28 2017, 10:14 PM)
Must go counter ? Or online also can ?
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online also can... any transaction made during weekends eligible for 5% (capped rm50 per month)
SzeMeng76
post Apr 29 2017, 09:55 PM

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QUOTE(scFoong @ Apr 29 2017, 09:53 PM)
Hmm..seems like SC Justone platinum card needs annual fees.
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yes, but as my friend experience, said that annual fee easy to waive by calling their CS
SzeMeng76
post May 3 2017, 10:54 PM

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QUOTE(ivzh @ May 3 2017, 10:42 PM)
Hi any recommended Credit card for great eastern insurance bill? Monthly 1800

for rebate. annual income >100k
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can try Standard Chartered Justone Cashback Platinum, im using for paying insurance (auto debit)

https://www.sc.com/my/campaign/justone-platinum/
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
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how much your commitment per month? any house/car/ptptn loan?
SzeMeng76
post May 8 2017, 09:32 PM

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QUOTE(sebago @ May 8 2017, 09:29 PM)
Need ur help guys, just married so want to buy via instalments paln, washer tv fridge ETC..
1. Annual Income: RM36K

2. Free Lifetime Annual Fee:

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: -
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Maybank 2 Gold
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
SzeMeng76
post May 11 2017, 09:32 AM

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QUOTE(boyzai07 @ May 11 2017, 09:02 AM)
Maybe can try Alliance You:nique Rebate:
Below RM1,000 - 0.5% max cap RM5
RM1,001 to RM2,000 - 1.5% max cap RM15
RM2,001 to RM3,000 - 3% max cap RM30
Above RM3,000 - 0.5% no cap

I also looking for cc to pay my insurance.
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see how much your insurance,
I think SCB Justone Plat is better than this.

Attached Image
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
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not necessary. normally we only use AMEX as got 5% cashback n TP during weekends.
but u need to keep both cards
SzeMeng76
post Jun 7 2017, 10:51 AM

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QUOTE(low yat 82 @ Jun 7 2017, 10:45 AM)
thnaks. guess im goin for uob. heard maciam boleh request for waiver after 1st year..
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Normal first 2 years AF waived no issue. But 3rd year onwards my AF can't waived. So I just go ahead cancel it.
SzeMeng76
post Jun 18 2017, 12:07 PM

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QUOTE(cybpsych @ Jun 18 2017, 10:57 AM)
free cash without spending requirements?

I see hsbc got 688 cashback from their booth at mall. better read and understand the t&c to obtain that cashback.
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without spending requirements. only need activate the card.

Sign up and get RM150 cashback when you activate your card within 45 days from card approval date.
https://www.sc.com/global/av/my-tnc-cash-ba...17-jun-2017.pdf

until 30 Jun 2017 only.
SzeMeng76
post Jun 21 2017, 01:21 PM

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QUOTE(Awakensoul @ Jun 21 2017, 01:18 PM)
CCRIS confirm shitty. PTPTN is a bad ass. But ya, been doing direct debit monthly repayments. Can anyone help me with it?
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nowadays every bank so strict on CCRIS part especially PTPTN. The only way is can just wait until your CCRIS become nice back.
SzeMeng76
post Jun 21 2017, 02:47 PM

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QUOTE(fruitie @ Jun 21 2017, 02:36 PM)
Nice also won't get. laugh.gif I already prepaid 18 months and my new applications still not approved. laugh.gif Luckily I have a lot of existing cards, gotta wait till October (1 year since my PTPTN adjustment) if that will help.
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Haha... depend on some bank. my CCRIS record also haven't passed for 12 mths, like only up to 10 months back to good record. so still some card approved, some rejected. Really don't know assessment of bank.
SzeMeng76
post Jun 21 2017, 03:34 PM

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QUOTE(imnotabot @ Jun 21 2017, 03:26 PM)
If I have to spend a lot of money (RM10k++) for one time (e.g. buying lots of furniture and appliances in one go), the best card to use is Hong Leong Fortune?
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I thought will be HLB Essential? because no cap amount.
Fortune will have capped RM 50 per statement cycle (although the rebate can earn interest if u dont redeem)

But essential can get
RM 5,000 x 0.60 % = RM 30
RM 5,000 x 1% = RM 50

Total of RM 80 if you purchase at 10k

Fortune can get
RM 10,000 x 1% = RM 100 (but capped at RM 50 per statement cycle)

unless ur annual spending qualify for their extra rebate

Up to RM1,800 extra Real Cash Earnings on your card's anniversary

Extra earnings are based on your total annual retail spending, up to RM1,800 in real cash.

Total annual retail spending Bonus
Equal or more than RM38,000 RM280
Equal or more than RM68,000 RM880
Equal or more than RM108,000 RM1,800
SzeMeng76
post Jun 26 2017, 11:09 PM

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QUOTE(fly126 @ Jun 26 2017, 10:35 PM)
I) PBB (Quantum 2Cards)
a. Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
b. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

II) HLB Mach - 5% CB on Dining.

However, to get These Cards you Need a Income of RM36,000 p.a... sweat.gif

III) Maybank 2 Cards (Good with PTPTN)
* 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 /month. thumbup.gif
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I thought Mach only need 24K?
https://www.machbyhongleongbank.com/frequen...asked-questions
SzeMeng76
post Jul 14 2017, 12:26 PM

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QUOTE(wokies @ Jul 14 2017, 12:11 PM)
noob question, why does it good with ptptn?..can get cashback for paying online?. max how much?
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Yes have 5% cash back when u pay during weekends. 50 cap per calendar month. Good to pay bill too, whatever spend with Amex on weekends, can get 5%.
SzeMeng76
post Jul 14 2017, 12:50 PM

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QUOTE(wokies @ Jul 14 2017, 12:45 PM)
ohh.thanks..on maybank page got this " finance charges will be as low as 15% p.a" what does it mean?

btw for income, bonus is included or not..and income is calculated on gross salary?
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That one on applicable u did not pay ur outstanding balance on time, there is finance charges. Not recommend u to not paying full.

Income if refer to pay slip, only take in consideration of ur monthly gross salary plus fixed allowances, bonus Not counted, but u can submit your Borang BE and tax payment receipt instead. Then they will considered as ur annual income as per reported.
SzeMeng76
post Jul 15 2017, 04:46 PM

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QUOTE(kart @ Jul 15 2017, 04:14 PM)
I am comparing between Mach Credit Card (with TrendSetter package) with Public Bank Quantum MasterCard, in terms of 5% Cash Back on Dining transactions.

1) Which credit card will have higher chance of getting 5% Cash Back on Dining transactions?
- For example, we know for sure that it is a dining outlet. But, the bank refuses to recognize it as a dining outlet, and will not give 5% dining Cash Back. For that, I would probably avoid using the credit card by this bank.

2) For both credit cards, is the dining cashback solely based on MCC eligibility?

Between these 2 cards, I want to choose the best dining cashback credit card. Thank you for your advice. smile.gif
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Best dining will be pbb quantum. Mach exclude 5813 MCC code in their dining, but pbb quantum included.
SzeMeng76
post Jul 28 2017, 01:01 PM

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QUOTE(GameSky @ Jul 28 2017, 10:43 AM)
1. Annual Income: RM 39K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Buying eletronic/house goods, using it for Easy Payment Plan. Petrol/groceries.

4. Existing credit cards (if any): None

5. Interested in CC from: Maybank Islamc / Cimb Islamic , or any recommendation?

6. Others: Just use for EPP, petrols and maybe cashback for groceries.

notworthy.gif
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Maybank ikhwan good for petrol n groceries for Friday and Saturday

EPP highly recommend PBB quantum, any single transaction above 1200 can go for 0% 12 mths flexi pay, no matter what merchant. Confirm zero charges.
SzeMeng76
post Jul 28 2017, 03:54 PM

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QUOTE(JamesBotak @ Jul 28 2017, 03:44 PM)
Please correct me if I'm wrong. The EPP for PBB Quantum is regardless of any merchant and any mode of payment (online spent and physical card swipe), yes ?

If it is, I might apply for it as well. hmm.gif
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Yes, any retail transaction will do. U swipe 1st, wait it posted on your unbilled transaction, then u can call to CS to convert.
SzeMeng76
post Jul 28 2017, 04:06 PM

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QUOTE(JamesBotak @ Jul 28 2017, 03:57 PM)
Perfect. Meanwhile, it is based on approval or it will be processed as long as criteria is met?
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ur single transaction more than 1200, then no problem already. based on criteria met.
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