Courtesy of Gen-X:

Introduction to credit cards by Gen-X 2016

I just published my article titled Credit Card Effective Cash Back Rate.  In this article I compared the Maximum Effective Cash Back Rate you can earn with the Maybankard 2 AMEX versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa. Plus also if you are thinking of getting the CIMB Cash Rebate Platinum credit card to earn 5% cash back from online transactions, you won't want to miss this article.
In order to optimize the returns from our credit cards usage, we have to use the right card at the right place and time. There are so many credit cards out there, and if you are clueless, check out my articles below and maybe you can earn yourself some pocket money.

New 2013 Credit Cards - credit card review of the CIMB Cash Rebate Back Platinum, Citibank Prestige MasterCard World Elite, Citibank PremierMiles AMEX, Hong Leong Bank Wise Cash Back, RHB Visa Signature and versus the Standard Chartered Bank WorldMiles MasterCard.

If you are new to credit cards, Click here to my Credit Card Tutorial Page. After finishing this FREE tuition, you'll be an expert on credit cards and you might end up collecting cards like me (click here to see my card collection) to optimize our returns 

Hotel Online Room Booking with Credit Cards - some of our credit cards offer discount when we use them to book hotel online via 3rd party sites. But is the discount really good? This article will show you that you need to always compare the prices at check out and not at the front page.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Maybank 2 Cards Premier(American Express Reserve and Visa Infinite Combo) - Comprehensive Review

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?

For your own good, you must click here to read my article on Credit Card Fraudulent Charges and SMS Alert AND click here to Suspicious Telephone Calls on CC matters Thread.

To read my review of the Maybankard 2 Cards, click here. The Maybankard 2 AMEX rewards you UNLIMITED 5X Treats Points everyday PLUS 5% cash back on Saturdays and Sundays. You can get this MBB 2 Card within 2 hours if you go apply at Maybankard Centre at 1U (New Wing), Gardens (near Robinsons) and KLCC (Lower Ground). Please note not Maybank branch. And the most complete guide to Maybankard 2 Cards is right here in LYN - click here to Maybankard 2 Cards Thread and read page#1.

And if you want to convert your credit card's reward points to Enrich Miles, click here to read my article My Son Is Going to The USA Again on Business Class. With credit cards offering 5X points, we can earn Enrich Miles faster. But more importantly, what is the conversion rate of our reward points to Enrich Miles. And in this article I will show you for local usage it is the Maybankard 2 Cards Gold and Platinum and for overseas MBB Visa Infinite rate is one of the best in town.

Click here to me article titled The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns for increments of RM500 spending a month.

And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

And to see my list of The Best Top 10 Credit Card in Malaysia 2015 - click here to my Credit Cards Ultimate Showdown 2015

is it a good idea if really need cash, buy gold use the credit card and the payment convert to the epp plan, then pawn the gold instead withdraw cash from the atm use the card. ( but will redeem it later )

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.

How long do you wait after clear?

Guys, I'm just wondering how bank approve credit card actually?

I applied for a basic card from CIMB, BSN, both of them rejected my application.

I have been working in a 2 company for 2 years

My commitment only PTPTN, telco and insurance.both under my name but car is under my dad name but I pay it every month.

I do have tunggakan with PTPTN but is this the reason they reject my application?

I want to use the credit card mainly for FUEL only. I'm not a big spender.

one i applied direct thru website and another one thru Ringgit Plus

Yes, they nowadays so strict on PTPTN tunggakan. Make sure you pay the monthly payment on time. Else they won't approve any credit card to you. As your CCRIS report not nice because of PTPTN already.

Wanna ask:

Last time when I was working in Singapore, I applied Ambank World Mastercard (Requirement: RM120k p.a.) based on my income after conversion from SGD into RM and I got it.

However after I back to Malaysia to work recently, my income is RM3k++ per month. Will ambank downgrade my World Mastercard based on my current income which is around RM36k++ p.a. ?

Thanks

yep, but ~50 days interest free if you spend on 25-Dec only.

the 20-day interest free is from bill date, not not everyday spending will get ~50 days.

illustration...

most of the credit card offer 20 days interest free, this 20 days is counting from the transaction date or the statement date ?

most of the credit card offer 20 days interest free, this 20 days is counting from the transaction date or the statement date ?

Wanna ask:

Last time when I was working in Singapore, I applied Ambank World Mastercard (Requirement: RM120k p.a.) based on my income after conversion from SGD into RM and I got it.

However after I back to Malaysia to work recently, my income is RM3k++ per month. Will ambank downgrade my World Mastercard based on my current income which is around RM36k++ p.a. ?

Thanks

Hi, What would be the suitable credit card to use on Ikea? I have upcoming purchase to make over there and thinking to apply a card for this.