what credit card do you own?
which credit card do you reconmend?

ayam, first time applying for credit card. need advise.

Theres a finance section with a cc thread in this forum to answer your question la

If first time apply, apply entry level with no annual fee

Later when you moved up then only apply high tier CC

For first credit card I recommend American Express Centurion Card.

take maybank

can use apple pay

no annual fees + cash back is the best

did that, no replies.

kopitiam seems more active.

If possible, (if you are not a frequent traveler collecting points overseas) take credit card where your salary are being bank in. Easy to pay

still don't understand how cash back work on CC

so opt for points instead

looking for cards with 0% epp for big electrical purchase + 0 annual fees. looks like a few banks did offer this but which bank do you reconmend?

try bank of china, very rare in MY.

need serious advise, no trolling

The Centurion card is called a Charge card, never a credit card

no annual fee is a lie

using my shittybank CC only the first few years no annual fee, then they slowly creep in the annual fee. have to call for waiver.
also the first few times allowed for waiver then one year i made the mistake of paying for it. they didn't waive since then

recently canceled that shittybank card, retention department called and say can give waiver for annual fee plus 25 for the sub card. too late.

this is /k. you are in the wrong forum for serious advise.

btw, try ah long cc. they will give you unlimited credit but expect you to pay it back with 1000% interest.

which bank? so i can crossoff my list.

i think maybank cards is the most common with 0% interest for installment at physical merchants.

Ic… first time apply? Your annual, how much? Electrical purchase as in electrical appliances like fridge, tv and all that? Then I think hlb wise is a good entry card or the uob one

what rhymes with shittybank?
it was just taken over by UOB

50k
yes, fridge, tv, wardrobe
hlb wise?? annual RM 98 according to ringgit plus