Hi, guys.
Newbie in CC here but it seems the convenient and benefits is something good to have.
Help me.
Below is my info.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Bills, restaurants, movies, online local and foreign purchase, local and foreign offline purchase, 0% installment plan to purchase furniture and electronics*, flights, hotels,

4. Existing credit cards (if any): Nil (But actively using PBB Debit and MBB Debit)

5. Interested in CC from: Maybank, but I'm too new to justify. Feel free to recommends others.

6. Others: *Real reason I suddenly thinking to get a CC is to purchase expensive electronics like camera, lens, computers, at 0% installment plan for my freelance work. Paying cash RM10K for a camera body or a Macbook Pro is a bad cash flow in my point of view. But still needed to purchase these items to earn. Other than that, I'll have frequent flight to outside Malaysia. Might as well collect some points with that?

This post has been edited by wgn_white: Jun 27 2017, 02:38 AM

Thank you.
Now I have somewhere to start research.

Does it impact on the card limit?
Or does the card even have limit?

Like let's say, card credit limit is 20K.

Buy stuff RM12K on January.
Asked for installment RM1K for 12 month.

So Credit limit on January, left RM8K?
And on February, credit limit become RM9K left because we already settled that RM2K already?

Ah, thanks for clarification.
Like this can plan the spending...