Only loan is PTPTN.

1. Annual Income: RM80-100k
2. Free Lifetime Annual Fee: Preferable
3. Card required for: Online shopping (lots of hobby shopping on Shopee), flights and booking.com/ agoda (travel regularly), Alipay reload, Taobao for stock purchase, pay utility bills & reload Tng ewallet.
4. Existing credit cards (if any): NA
5. Interested in CC from: NA
6. Others: A luggage bag gift (haha) would be awesome as I move products a lot

Thank you sifus!!

This post has been edited by whit3feather: Nov 4 2023, 07:18 AM

PLEASE HELP TOTAL CC NEWBIE

1. Annual Income: RRM120K to RM160K

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: Would need the card mostly just for expensive purchases/ Taobao big orders/ topup ShopeePay & TnGo/ parents grocery/ petrol/ bills.

4. Existing credit cards (if any): No.

5. Interested in CC from: Maybank.

6. Others: Fly for work sometimes so having a card that provides flight insurance + points is preferred.


I'm thinking of Maybank 2 Platinum card atm, because I rarely use CC and the travel insurance sounds useful.
RM25 SST is fine but is it possible to get only the VISA card and not AMEX?

This post has been edited by whit3feather: Sep 12 2024, 09:04 AM

1. Annual Income: around RM100k

2. Free Lifetime Annual Fee: Preferably but not a must, as I seldom go out shopping.

3. Card required for: Primarily for Taobao stock purchase (a lot), Alipay top up, local petrol/ grocery cashback, and AirMiles/ Lounge access because I fly a few times every year.

4. Existing credit cards (if any): NIL

5. Interested in CC from: no preference.

6. Others: I don't mind having two/ three credit cards. Because I have maybank accounts, I tried applying a CC from them but I got rejected twice firstly bc of my PTPTN tunggakan (which I've cleared, but still cannot), and secondly because I've never had any other loans before. I even asked if pledging FD is possible but the MB staff said it's only for people without any income. I guess maybe a lower-range card would be easier to apply? I'm also about to resort to applying one from RinggitPlus in the hope that an agent would be able to help me get a card lol.