Hi All,

1. Annual Income: RM90K and above.

2. Free Lifetime Annual Fee: Yes could be better.

3. Card required for: Petrol, Easy payment, Bill payment, insurance.

4. Existing credit cards (if any): None except debit card

5. Interested in CC from: none

6. Others: I'm new to CC and don't have any idea at all on the pros of having it. Avoiding to involve on CC previously as I have seen a lot of bad example due to money management. But then, recently i just have a thought that i need it for buying some home appliances with easy payment scheme. Kindly advise me on this.