Guys I got a question. Just curious. What's the max no. of banks or financial institution can we received credit cards from.

Above 3k salary

Thanks fruitie. Then I guess kena reject also coz of PTPTN. K la thanks.

Haha ya. But it's ok la. I'm settling the outstanding in huge amounts monthly. Probably by end of yr, my name is off the blacklist.

what do you mean prepaid 18 months ahead? you have excess in your credit card account? how do you calculate 18 months ahead?

Wow. That's good. Well I have some other obligations. So I'm stuck. But ya trying to clear it while I can, using the benefits of 10% if u pay 50% outstanding or direct debit.

Haha I wanna cancel my Hong Leong Mach and CIMB Cash Rebate. Wanna combine both into PB Quantum. But I dare not cancel before getting Quantum. I usually don't hit the max cash back monthly so no purpose.

I usually get RM10 Cash back from CIMB CR for online and RM20 from my Mach Visa for dining. So no purpose keep both cards since Quantum also Rm30.

But what's nice about Quantum is the additional Rm30 in the additional card that comes in Departmental and Entertainment. It's kinda good actually. U know when u go buy clothes and always get max 0.3% when u can get 5%. Aih.

guys i have a question.

i plan to purchase macbook for 9k... they have installment interest free for 12 months.
bank will lock 9k from my credit card.

but if i purchase online ill get rm400 student discount..this also will lock 9k from my cc

this may be a silly question but wouldnt it be cheaper to buy the online price and pay the monthly minimum payment for cc? rather than opt for physical shop 12-month interest free tq

*plan to buy, still in consideration, not that rich

Question.

Cimb cc.

Statement date 28. Amount X. Paid in 28 amount X. On 31st have a transaction.

Next statement shows up finance charges for late payment.

I don't understand ... Any comments ?

Previously got rejected for credit card application due to PTPTN tunggakan. Just settled it this early of the month. Just went and check the CCRIS report it's still not showing 0 yet so I think should be next month only can see it.

Should I wait for next month only go and apply credit card? Or as long as I settle the tunggakan then should be all right to go and apply?

Eh do update me ya if you manage to get the credit card.

I have a question.
What is the difference between ringgitplus and outside agent we see in malls for Credit card application? I am sure they are not direct to the bank.

1. Is ringgitplus an agent for so many credit cards?
2. If apply from ringgitplus, am i meeting up with some agent from them?

Anybody knows?

hey guys, usually bank will base on basic salary to determine the requirement entry for certain status CC is it?

Or based on gross salary inclusive allowance etc ...

including bonus ????  

I dont remember applying for Amex though.

Was applying for credit card just in case needed it when going for business trips as it is more convenient than carrying a stack of money with you.

Since you said that it comes in a set. Then no worries i suppose.

Thank you for your reply. 

Lol, I see.

Malaysia merchants accept Amex? I thought it is rare in Malaysia.

fruitie, how's your recent card application? You mentioned that you just cleared your PTPTN right? Got the card already?

Applied in April but July only approved? That's 3 month eh I plan to apply PBB card later...dunno will get rejected or not since I cleared my tertunggak last month only.

Currently any promotion for any CC going on? I mean like swipe for x amount to get x rebate. Plan to swipe RM3499 for an iPad.

Well, I think he's grabbing the iPad Pro. That's why it cost 3499. Anyway, what OS is your mini running?

Ohh, I just called to check my PBB credit card application status. It says that it has been approved. Finally got to get new credit cards after clearing my PTPTN tunggakan.

And you can apply Quantum & PBB VS together  

Wait next year for your increment and bonus then confirm can approve jor.