Outline ·
[ Standard ] ·
Linear+
Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
|
virgoguy
|
 Feb 28 2017, 11:19 AM
|
|
QUOTE(jishu @ Feb 28 2017, 10:44 AM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Cashback or Rebate / One-Time Purchase 4. Existing credit cards (if any): Nil 5. Interested in CC from: Any Bank 6. Others: I planned to have credit card to strengthen my credit history which is 0 by now (No hutang). What my plan now is that I take credit card, for example 5k limit, and then use it for One-Time Purchase for something worth 4k and above (I planned on buying PC, or smartphone or other gadgets) and then monthly, i pay the amount needed consistently and then after done, i would terminate the card are you referring to those card with ezpay or you plan to pay the minimal each month? |
|
|
|
|
|
virgoguy
|
Jul 19 2017, 11:28 AM
|
|
|
QUOTE(cybpsych @ Jul 16 2017, 10:02 AM) have you read/understand the features/benefits of both cards? m2card: 5% weekend cb for EVERYTHING. u also get up to 5TPs. quantum: 5% anyday cb for online/dining (mastercard) or entertainment/departmental (visa). Maybe you need to clarify that m2card 's Amex(not the MC/Visa) card that give 5% weekend cb for EVERYTHING. u also get up to 5TPs |
|
|
|
|
|
virgoguy
|
Jul 29 2017, 12:38 PM
|
|
|
QUOTE(cybpsych @ Jul 27 2017, 11:27 AM) choose those Flexipay plans with 0%! here's how it works.. Note: Quantum need only RM1.2k for Flexipay 12mth 0%. Other PBB cards need RM2k for Flexipay 9mth 0%. 1) swipe a big amount from a merchant. 2) after the transaction got posted (about 1-3 days, varies from merchant to merchant), call PBB CS to convert to Flexipay. 3) next day, you'll see the original amount will be "reversed", then 1st installment amount charged. 4) in your statement, it will show the Installment # count and remaining installments. Every new statement, the # count will increase, the balance will reduce. Final installment:  any upfront payment required? e.g : one time charges in % |
|
|
|
|
|
virgoguy
|
Apr 29 2019, 09:53 AM
|
|
|
QUOTE(ClarenceT @ Apr 24 2019, 10:35 AM) Maybank FC Barcelona VS: 2% max RM50/month (except May and August, 10% CB max RM100/month) on almost everything except Jompay/FPX. Maybank M2 Amex: 5% WEEKEND rebate max RM50/month. + 5x Treatpoints for Petrol/Groceries (worth 1%, everyday including weekend). Maybank M2 Mastercard (or Visa), bundled with M2 Amex, you cannot cancel this card though it is a junk. You can use 20,000 treatpoints to redeem SST for M2 Amex and Mastercard (total RM50). Please note Amex is not widely accepted. it can be done now. I just cancel mine MBB2card master and keep the amex few days ago |
|
|
|
|
|
virgoguy
|
Apr 29 2019, 10:16 AM
|
|
|
QUOTE(cybpsych @ Apr 29 2019, 10:04 AM) you just applied m2card? or existing for about 1yr? i used it for many years already |
|
|
|
|
|
virgoguy
|
Apr 29 2019, 10:40 AM
|
|
|
QUOTE(fruitie @ Apr 29 2019, 10:20 AM) Existing users before 1st September 2018 then no issue to cancel MC/Visa and only retain AmEx but new users not able to do so anymore. oh is it. I didn't realize that |
|
|
|
|
|
virgoguy
|
Jul 21 2020, 12:41 AM
|
|
|
QUOTE(datolee32 @ Jul 19 2020, 09:14 PM) You can try 1. Public visa signature 6%, RM 634 online transaction get RM 30 2. Public quantum master & visa (visa paywave 5% with minimum spending RM 30, master online transaction 5%), total cash back a month can get RM 30 + 30. 3. Affin visa signature, paywave 3% (cash back capped RM 80, no minimum spending). Affin VS got annual fee right? This post has been edited by virgoguy: Jul 21 2020, 12:41 AM |
|
|
|
|
|
virgoguy
|
Apr 26 2021, 04:43 PM
|
|
|
1. Annual Income: RM120k
2. Free Lifetime Annual Fee: preferably
3. Card required for: (Cash Back) Online bills payment, insurance, groceries, eWallet, petrol, online/offline shopping (optional: shopping with 0% installment)
4. Existing credit cards (if any): Public Bank VS (Dinning, Online(Shopping/eWallet), Groceries)
Public Bank Quantum MC(eWallet)
MBB2 Amex (Petrol, Retail)
MBB Ikhwan Platinum (Petrol and Groceries -Plan to cancel if have better replacement),
OCBC GE MC (Insurance)
5. Interested in CC from: any . (Looking to replace my OCBC GE MC since they cease the Auto IPP for my GE Insurance starting 1/3/2021)
This post has been edited by virgoguy: Apr 26 2021, 04:47 PM
|
|
|
|
|
|
virgoguy
|
Apr 26 2021, 08:34 PM
|
|
|
QUOTE(Human Nature @ Apr 26 2021, 07:47 PM) Affin Duo - Its Visa has 3% cb for autodebit. Good for insurance. can just apply visa only? any other choice beside affin duo? |
|
|
|
|
|
virgoguy
|
Feb 10 2025, 04:19 PM
|
|
|
QUOTE(1mr3tard3d @ Feb 10 2025, 10:06 AM) You owned Bank Islam Visa Platinum CC? |
|
|
|
|
|
virgoguy
|
Feb 15 2025, 09:15 AM
|
|
|
QUOTE(lin00b @ Feb 13 2025, 01:29 AM) i dont get this.. whats the point of increasing the cb% if the max CB stay the same.. might as well get gold instead of plat/infinite... Ya. Agree that. The only different about infinite is that it has free airport lounge |
|
|
|
|
|
virgoguy
|
Mar 24 2025, 02:44 PM
|
|
|
QUOTE(ideaplus @ Feb 26 2025, 06:59 PM) I just got BIMB Visa platinum today, and will enrol the autopsy (autopay) for the insurance. Let's see when or if the CB will be credited to my account. So have you gotten CB for autopay for insurance? |
|
|
|
|
|
virgoguy
|
Apr 15 2025, 02:47 PM
|
|
|
QUOTE(nexus2238 @ Apr 15 2025, 08:44 AM) Consider: Affin DUO+, Affin DUO, Bank Islam Visa Platinum-i, RHB Shell Visa. Bank Islam Visa Platinum-i, auto-billing is it inclusive insurance? |
|
|
|
|
|
virgoguy
|
Apr 17 2025, 02:43 PM
|
|
|
QUOTE(nexus2238 @ Apr 17 2025, 08:34 AM) Read the terms and conditions  https://www.bankislam.com/wp-content/upload...ACK-PROGRAM.pdfI can't confirm as I charge my insurance premium and Nirvana installment to Alliance VS. is it a duo card or can actually apply the visa only? |
|
|
|
|
|
virgoguy
|
Apr 18 2025, 07:37 PM
|
|
|
QUOTE(ideaplus @ Apr 18 2025, 12:57 PM) I have this card, but I can't confirm also as I just received my 2nd statement. Even I called to CS to confirm when the CB will be credited into account, they just like :confused:   Moreover, I do not made any transactions after I received my statement, but the credit limit reduced RM200 from my statement. So I asked when I asked about the CB. Guess what their answer: You have to wait until your new statement then we only can know. I thought Bank should know what and when is that particular transaction, but they seems have no/less knowledge/training about CC Do update here once you have your new statement thank you in advance |
|
|
|
|
|
virgoguy
|
May 15 2025, 09:10 AM
|
|
|
QUOTE(nexus2238 @ May 15 2025, 09:06 AM) Yes, I remember I need to submit forms and do thumb print (MyKad verification) in branch. How long does it take to get approve for your card? I submitted since 2/5 still no status |
|
|
|
|
|
virgoguy
|
May 22 2025, 03:14 PM
|
|
|
QUOTE(nexus2238 @ May 15 2025, 01:38 PM) iirc, whole thing took close to 1 month. Apparently they tried to contact my company HR via phone to confirm my employment status but nobody picked up. At the end, I had to request employment confirmation letter via my company HR website, then forwarded that letter to Bank Islam, then Bank Islam confirmed with my HR again via email (there must be better way to do this right?  ) So it took 3 weeks from the date I submitted application till I receive SMS stating my application was successful. Then close to another week for Bank Islam to send the card to branch for me to collect. Also cc statement is only available via email now. Can download statement from website and phone app only from July 2025 onwards. Really speechless with the bank Provided EA form, EPF statement and yet said without payslip and employment confirmation letter cannot process the application. This is ridiculous! how the hell am I gonna dig back the physical employment confirmation letter back in 15 years ago This post has been edited by virgoguy: May 22 2025, 03:16 PM |
|
|
|
|
|
virgoguy
|
May 22 2025, 03:41 PM
|
|
|
QUOTE(fruitie @ May 22 2025, 03:24 PM) Employment confirmation letter is not the probation confirmation letter, nothing for you to dig back all the way to 15 years ago.  Just get your HR to give you a letter to confirm you are currently working for the company. It is a standard letter that all companies can issue. is it the requirement for CC application now a day? as I understand the past CC applications, 1 EPF or 1 EA Form settled |
|
|
|
|
|
virgoguy
|
Oct 8 2025, 06:46 PM
|
|
|
QUOTE(cybpsych @ Oct 3 2025, 12:14 PM) complete the map login registration (iinm, setup password) https://map.muamalat.com.myI have submitted the application and just now the so call bank staff ask me to resubmit the necessary documents through WhatsApp to her. Suspicious. Is it legit? |
|
|
|
|
|
virgoguy
|
Oct 14 2025, 03:16 PM
|
|
|
QUOTE(Duckies @ Oct 14 2025, 02:19 PM) Ya I was checking out the website but didn't see any specifics so I asked here. guess a few of us applied for it. wait and see when we got the card |
|
|
|
|
Quote
0.0285sec
0.46
7 queries
GZIP Disabled