Many of the seasoned users here have that many cards or more than me. I don't use all, most of them are kept in the drawer and only take out to use when required.
In my wallet, I only keep a few frequently used cards.

Plenty. Use this thread for recommendation: https://forum.lowyat.net/topic/4161836

No need la. I have cleared tertunggak and pay on monthly basis. Cards all started to approve since July. Cleared my tertunggak in October last year. I still have 50k to clear off all outstanding.

Tertunggak is due to non-prompt payment earlier. Last time I paid one lump sum and stopped paying for a while. Now no more as I pay consistently every month. My mortgage loan and 3 banks approved me since July.

I checked my CCRIS in April already cleared.

This post has been edited by fruitie: Oct 8 2017, 02:20 PM

PBB seems dangerous for me. I will wait for a while.
I will definitely apply but maybe next year.

Temporary credit limit increase is entirely up to the bank's decision, they may only consider for emergency purposes like hospitalization, funeral or stranded in overseas.

No credit history could be the reason too.
Try with your salary crediting bank.

Your information is shared to third party. Applying via Card Centre is usually faster, so you can use earlier.
That said, my recent two cards were applied via RP, others still via banks.

Payslip or EPF statement and your IC. Some only require your IC as they can print your EPF statement from the kiosk.

It depends. Give it two weeks.

I have paid few times for Amazon US with my UOB YOLO, no issue.

Some said telco bills outstanding will also cause CCRIS issue, I cannot validate this. However, I didn't see it in my CCRIS for my postpaid accounts.
Some time back, one guy did mention it is due to his telco blacklist issue.

It's already appeared in your CCRIS. Always make it a habit to call to cancel cards which you don't need.

It is up to bank to approve your application or not, you will need to request to convert and upgrade the card.

Start with your salary crediting bank, I hope it's not MBB or PBB.
Heard Citibank is quite easy.

Anyway, any missed payment for PTPTN?

I got my CIMB CR separately, not a pair, I believe you may cancel only one, unless CIMB doesn't allow.

There you go. Any non-PTPTN payment will flag in CCRIS and it makes credit card applications almost not possible.

Not that I'm aware of. Well, I'm not too worried about this unless you are so unlucky that targeted by the merchant. Usually I will be around when they perform PayWave, I don't allow any merchant to use PayWave without my permission. For PIN & Pay, obviously I have to be present to input PIN.

HLB MACH is fine with this if it accepts Visa. If in big cities like Beijing and Shanghai, usually no issue to accept overseas cards. But smaller cities, the tendency to accept overseas cards is very low.

We already have AliPay here anyway.
Mine is China AliPay account, I haven't tried using it here but in China, yes.

Well, I have too many cards to jot down one by one CVV and keep in safe. Let's see, maybe I will learn my lesson if that happens to me.
Been using CC since I was 18 years old, that's more than a decade ago, still surviving.

China prefers AliPay/WeChat payment or cash. Credit card, so so only unless it is UnionPay branded.
You can open a bank account in ICBC/BoC for UnionPay card, I have ICBC debit card to be used in China.

That's another option too, it is fun scanning QR code everywhere you go. Enjoy your trip.