Hahaha...I also don't know what is my credit rating. I assume that Bank scare I "not die" hence keep increasing my limit.

I was in the same situation as well when I just graduated. Burst my very first OCBC Credit Card...with limit of 3.5K hahahhaa....

Walaooo...that time scared like shit. Scared being sue bankruptcy (now thinking back, damn childish. Bank probably won't give a damn on that outstanding and take the effort to sue that person bankruptcy for 3.5K ), dare not to tell parents, malu to tell friend that my credit card cannot use. Then need to slowly pay back on a monthly basis and scissors cut the card into half to stop myself from using when I was paying back the debt. After I fully settled my outstanding, I made a promise to myself, I MUST fully settle my CC every month. Zero owing. Glad that I am able to keep that promise till today. 

I basically use credit card as cash. Meals, grocery, petrol, shopping, insurance all tied to Amex from maybank 2 cards. 5% cashback for all transaction on weekend, RM50 cap, that means u need to spend RM1k on that card to reach RM50 cap. Bad habit is you will start thinking everything is discounted 5% (which is not entirely false!)

I think its quite easy to hit RM50, some months u buy new gadget, some months you buy flight tickets, just do it in the weekends.

In one year, u get about RM600 in cashback not including sometimes Maybank do some cashback promo for Amex, like spend minimum RM1k overseas for RM150 cashback.

RM25 credit card tax easily settled, no bank fees - free for life. Not to mention the TREAT points you get to accumulate and exchange for 60" TV later   

Besides, I hate having to withdraw cash from ATM, sometimes need to rugi RM1, why not go cashless and at the minimum gain points, and cashback.

I basically use credit card as cash. Meals, grocery, petrol, shopping, insurance all tied to Amex from maybank 2 cards. 5% cashback for all transaction on weekend, RM50 cap, that means u need to spend RM1k on that card to reach RM50 cap. Bad habit is you will start thinking everything is discounted 5% (which is not entirely false!)

I think its quite easy to hit RM50, some months u buy new gadget, some months you buy flight tickets, just do it in the weekends.

In one year, u get about RM600 in cashback not including sometimes Maybank do some cashback promo for Amex, like spend minimum RM1k overseas for RM150 cashback.

RM25 credit card tax easily settled, no bank fees - free for life. Not to mention the TREAT points you get to accumulate and exchange for 60" TV later   

Besides, I hate having to withdraw cash from ATM, sometimes need to rugi RM1, why not go cashless and at the minimum gain points, and cashback.

I do the same. I use CC as cash. I will PayWave whenever it is possible..even RM2. As long as the merchant allows. In another hand, I am also helping Malaysian to boost our cashless adoption. Hopefully we will get as much cashless terminal as possible...especially Apple Pay!! When are you coming?? 

do you guys realized that there are eyes give a kind of look at you when you are using your CC paying RM 2 payment?

do you guys realized that there are eyes give a kind of look at you when you are using your CC paying RM 2 payment?

just a lil update, applied for Maybank CC and they gave me the 2 cards one, Amex and Visa

so yea

considered you little boi2 here grew up 

thanks for all the replies guys and also shoutout to my boss and colleague who brought me to apply

y ahh.... ccris didnt stated the latest increased of cc credit limit? it had been few month

just a lil update, applied for Maybank CC and they gave me the 2 cards one, Amex and Visa

so yea

considered you little boi2 here grew up 

thanks for all the replies guys and also shoutout to my boss and colleague who brought me to apply

are u sure it has been increased?
else call the bank to check if they update bnm.

about credit limit, the more the better.
my total credit limit is about 600k from all the cards.
when your revolving credit limit is so high, most bank will easily approve your personal loan.
i tried applied cimb, 150k instant approve, alliance bank 100k too, but i didn't take the offer.

I got 4 credit cards:

HSBC - 75K limit
Citibank - 65K limit
Maybank - 35K limit
CIMB 16K limit

Total Credit Card owing today RM0.

I agree that as long as you do not overspend your credit card and know how to control. The Higher the better....

can use 1 cc to pay off another cc ？eg use hsbc + cimb buy a car at 90k, next month use citi n maybank to settle hsbc + cimb balance then another month use hsbc + cimb to pay citi + maybank.....keep repeating then no need pay any car interest...

you can call the bank to cancel the visa
no benefit using maybank visa
else they will charge you rm25 for cc even though you dont use it

can use 1 cc to pay off another cc ？eg use hsbc + cimb buy a car at 90k, next month use citi n maybank to settle hsbc + cimb balance then another month use hsbc + cimb to pay citi + maybank.....keep repeating then no need pay any car interest...

i think i read in the Maybank thread that someone recently tried to cancel one card and they said if want, must cancel both or keep both only.

Is that the Maybank 2 Cards?

yup the amex + visa/mastercard