I can apply new card any time (and I do, when the gift is close to 4 digit value), so that's not a consideration. No real benefit to doing it just for one big purchase unless the spending itself gets rewards, otherwise why not just use one of my existing cards and then do balance transfer?

I wonder why is listing the cards an issue? Nothing hidden, I'm active in almost all the related threads, and there's no 'secret' card in this list. Also I think that list is pretty much the MVP list of cashback cards over the past 3 years or so in these forums.

This post has been edited by LostAndFound: Jul 26 2022, 01:50 PM

Thanks. I'm not very sure what the specific concern is. If its a general "don't reveal if not necessary" then that's fine, for me just the list of cards isn't a risk I personally consider an issue. Thank you for your advise.

Anyway from calling the banks involved, it seems all these banks with unlimited cash rebate (0.5% for OCBC 365, 0.2% for Citibank and RHB) is only unlimited if you don't apply for a temporary limit increase. Once you apply then no longer unlimited, it is limited to your credit limit amount.

Workaround is you can pre-pay your card (e.g. if you want to spend 100k and your credit limit is 50k with zero current outstanding, you can pre-pay 50k cash first, then swipe for 100k, you will get the unlimited cash rebate for the full 100k).

If you apply TIL and approved, then no cashback on that increased amount (in fact RHB told me no cashback at all, but I didn't ask too much about that).

May I ask what's the benefit for zero outstanding?

You sure it makes a difference? I've never had a zero balance at start of month my whole working life, yet never got rejected except for the 2nd card I applied (slightly above my salary level, received on appeal). Payment always on time should be much more important than zero balance.

Losing out on those interest-free days though.

That doesn't track with what is said just below your post:-

Tested out by comparing your CCRIS score right? Interest results, I've never gone above 1/3 of my total credit limit (but some banks I always above 1/3rd, just never above for all banks together). How to go above when these banks like to give credit limit of 6 months salary? My total credit limit is like a few years salary di.... and some banks still send SMS offering document-free credit limit doubling/tripling.


If 50 days then you won't be able to do "zero at month end" right? My mentality so far has been to squeeze, always pay on due date only. In 10 years two times had issue (failure of transfer etc), but once the bank can write off, the other one they refuse to so I paid the 20 ringgit or so penalty/interest charges. Pretty sure my extra days interest more than covers.

Any banks which have no age limit for primary cardholders? My relative (65+) has hundreds of thousands in one of our local banks, but they still don't want to issue a CC to her due to their 65 age limit.

Thanks, will check on that. Or ask her to apply for privilege banking status.

She is retired. She already has almost all that amount in FD in the bank anyway... not the sort to be interested in looking for other ways to invest the money. Since she already happy with promo FD rate maybe just ask her use that way (but Maybank said still cannot due to age, even if pledge FD, which doesn't make sense to me).


Not possible for this particular relative unfortunately. In fact one possibility is to supp my own card(s) to her, but trying to avoid....

Banks got different risk assessment. Simply put - all banks will have access to the same information (your annual income, total debt, and total credit limit so far) but not all of them will calculate the amount of credit limit you can carry the same way.

Generally once your total credit limit exceeds your annual income significantly, some banks may be hesitant to even give you a credit facility. Though this applies more in your 20s in my experience, once I hit 30 never had problems getting high CL even though my income increase not been very high. Probably history of payment starts kicking in.

Have not heard. Generally retirees are assumed to have amassed some wealth over the years (at least those with credit cards). But applying for new cards would be very difficult or impossible without a salaried income or cashflow-generating business (except for privilege banking).

If less than 20k credit limit doesn't mean you can't use, just means you need to prepay.

Also... if you getting less than 20k credit limit from any bank means you can't afford this bill sorry to say. Hope it doesn't bankrupt you.

Rule of thumb - if the reason to apply a new CC is because you want to buy new stuff and your current CL is insufficient, this is likely a sign that you are overspending.

If that is not true (e.g. you have cash and can afford to up-front purchase) then most banks you will be able to pre-pay the CC to raise the limit. So for example if your limit is 7k, you can pay to the card 8k and have 15k limit to spend.

But to your question - bank limit for new application CC isn't really affected by other bank limit that is given to you, each have their own criteria/risk appetite.

With other credit card (not HSBC) I have this experience before. Sometimes the merchant thick face and counter our report. But since we know we didn't spend it, just shoot back the bank and say "I did not spend this, please show proof of OTP". Did not need to involve Bank Negara for my case (the normal random foreign shop spend suddenly appear type of case).

But then when you ask the bank to press merchant for proof merchant don't have confirm proof that you are the one who order. Especially since the name on the order sheet will not be your name, nor the address your address.

It is the risk the merchant take by not requiring additional security, they don't have as much protection if the customer complain to bank that wrongly charged.

To add - since it sounds ridiculous to 'provide proof that not done by you' - the bank needs you to say "I did not do this purchase" and "I do not recognise the merchant and have never subscribe to their services". This is more complicated when the fraud uses a common merchant name (e.g. spotify/netflix) which you memang subscribe to but with another card.

The merchant has the choice, when pointing to payment gateway, whether to require authorization. They don't store the actual received OTP (that's handled by the bank), but they choose whether to require it or not. A lot of US sites don't require it because they don't want to increase friction for customer. Which means they have no protection against fraudulent card transactions.

Honestly if you're the type of user who can rack up 70k, cut ALL your credit cards immediately and only buy with cash/debit card. You should not trust yourself with credit, because proven you will burn yourself. Banks love taking your money in that case. 12k salary is comfortably T20, but if you insist to spend like a T1 then need to take drastic action.

Confirm can use CC pay TNB at Pos Malaysia? Never tried before....

Never got asked that before, applied for and cancelled maybe 50 cards in the past years....

PIB will no longer be 4% in 2 days from now.