Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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 May 4 2017, 12:47 PM
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#1
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory  
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QUOTE(fly126 @ May 4 2017, 12:13 PM) It might be a Problem to apply CC if you got PTPTN Debts... Thanks fly126, I will do research on CIMB Cash Rebate MC.CIMB Cash Rebate MC.  |
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May 4 2017, 04:17 PM
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#2
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(fruitie @ May 4 2017, 03:40 PM) If no missed payment for PTPTN, you will still have chance to apply credit cards. Noted. I guess I ever late, but I still pay. As my graduation is on December 2015, I should have given a chance to pay on June 2016. But I pay early on April. Hope everything goes fine. I applied for the above credit card and HL Essential. |
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May 19 2017, 08:03 AM
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#3
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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1. Annual Income: RM24K
2. Free Lifetime Annual Fee: Can be waived upon 12 swipes 3. Card required for: Cash Back, and to purchase installment with 0% interest with SenHeng 4. Existing credit cards (if any): Hong Leong Essential Card 5. Interested in CC from: Public Bank Credit Card 6. Others: I am paying ptptn RM159.72 per month. Currently never missed any payment. Thank you and looking for favorable replies  |
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Jun 6 2017, 08:06 AM
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#4
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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1. Annual Income: RM24K+
2. Free Lifetime Annual Fee: A Must or 12swipes to waive. 3. Card required for: Petrol / PTPTN 4. Existing credit cards (if any): HLB Essential 5. Interested in CC from: Any bank as long as my application got approved  6. Others: Hope to get cash back on Petrol instead of points. However, would possible if you compare them points vs cash bank, which one is better. |
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Jul 7 2017, 12:27 PM
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#5
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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Hi all, current income is above 24k. Existing card HLB credit card. Planning to apply Public Bank Credit card for easy 0% interest 9 months installment plan. However it is rejected. Any other similar card to convert my purchase to 9-12months 0% interest installment plan?
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Jul 8 2017, 10:47 AM
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#6
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(fly126 @ Jul 7 2017, 05:58 PM) It is Depends on the Bank & their Current Promo. Hi thanks for the reply. But i want something like i can swipe any amount, then call bank for 0% interest instalment. i heard PBB credit cards allowed to do this though. What you gonna to buy, IT Gadget, or Home Appliance or... !?    can refer to 0% Interest | senQ® Digital Station http://www.senq.com.my/updates/tag/0-interest/ |
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Jul 8 2017, 11:06 AM
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#7
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(sj0217 @ Jul 8 2017, 11:04 AM) Are you referring to SenQ ? Currently I have HLB. Should i go for CIMB/AEON? As MBB needs 36k and above, which does not meet for my requirement.SenQ is able to process for you regarding 0% interest instalment plan, no need to call bank. Quite number of banks' CC can be process for 0% depend on the instalment months that you prefer. As I know, MBB, CIMB and Aeon can be done in SenQ |
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Jul 8 2017, 11:24 AM
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#8
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(sj0217 @ Jul 8 2017, 11:18 AM) No idea how many months of instalment can be up to for Aeon Card, only know CIMB CC can be mix until 36 months in SenQ. Thanks. Will look into it. CIMB or Aeon, depend on how many months of instalment you are prefer. If you keen on the instalment, you may apply for "CIMB Cash Rebate Platinum MasterCard", refer HERE for other Features & Benefits of the card. Have a nice weekend. |
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Jul 8 2017, 01:34 PM
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#9
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(fruitie @ Jul 8 2017, 01:13 PM) Actually Maybank needs 30k per annum. Noted. Which I am not there yet. Current credit card limit is 3k. Which means 1 iphone is not enough to swipe for cash back though |
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Apr 6 2021, 04:05 PM
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#10
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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Hello, need suggestion for CC please. Looking for Cash Back, Dining & Petrol
1. Annual Income: RM60K 2. Free Lifetime Annual Fee: Yes 3. Card required for: Petrol, groceries, & online shopping/insurance. 4. Existing credit cards (if any): new Affin Bank 2 card & Citi Simplicity ( might cancel) 5. Interested in CC from: Any banks. 6. Others: Card that give cash back Thank you. |
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Apr 7 2021, 07:22 AM
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#11
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(Kyan0411 @ Apr 6 2021, 05:03 PM) 1) Citibank cashback card - 10% on dining, grocery, grab and petrol. Capped at rm10 per category and minimum spending of rm500 per credit cycle. Hello thanks! If you're not a heavy spender, can try this since effectively can get 8% for rm500 spend, but must spend with planning (rm100+ in each cateogry) 2) Public Bank Quantum Master 5% cashback on all online transactions This is more tricky, u need to reload into ewallet and spend for dining, petrol and groceries. But no minimum spending. Capped at rm30 per credit cycle. 3) can complement with PB Quantum Visa - 5% cashback on wave transactions (min above rm30). Capped at rm30 per credit cycle. Can use this card for grocery and dining but must be above rm30 AND wave. Petrol is excluded from cb 1 usually free annual fees for 3 years. 2&3 no annual fees Can you advise for cc 1, would it be able to swipe like 500 in dining, but only get rm10? Does government payment counted in rm500? Like ptptn. Thanks. Just want to know how it works. |
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Apr 7 2021, 03:43 PM
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#12
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(Kyan0411 @ Apr 7 2021, 03:28 PM) Yes, u can meet rm500 in any way but cb for each cateogry max is rm10. Hello thanks, very informative. Any idea should I apply online/ringgitplus/ on the branch? Any difference?So rm10 / rm500 is only 2% I believe government payment are excluded. If citibank not enough, can supplement with Hong Leong Wise card (only weekend). 8% on dining, groceries and petrol, capped at rm15 each cateogry. Same rm500 minimum spending but can meet with govenrment payment. Within calendar month |
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