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

i no dare upgrade, kena offered mani time but i still stick to basic cc

ringgitplus or correct sub forum

else, american express

Calling to waive annual fee is such a hassle

affin bank duo card

all max out

if ur record is putih, apply cc with no benefit to build ur record 1st

unless u have agents to tolong

maybank barcelona. no annual fee, got cash back. total annual cash back enough to pay for the gomen service tax n then some.

If first timer, they usually offer waiver. Since 50k maybe you can try maybank2 platinum? Lifetime af waiver
Got 0% ezpay up to 36 mths if you like it that long 😂

What for you want a credit card?

You required it for business purposes, then limits is more important

If just wanna be with her in crowd, then get those starter cards basic cards, see if you can handle it

Now am using basic Citibank card with 25k limit
And keep blueballing them
Monthly spending ~RM500
Payment always on time

And they keep calling me to push for personal loan, (lol no)

no annual fee is not a lie, u just a dumbass who dint read the fine print properly. A lot of entry card has no annual fee, while some card will waive annual fee only for first 1 to 3 years. Citibank has a card without annual fee, which is City Clear Card.

quite useless if a lot of merchant don't accept apple pay

No need cc

Later pay for cheong kantoi kena audit gan org

Cash is king

Apply for bank cc card which provide 0% instalment on merchant. Comes in handy when in need.

Annual fees usually can waive if got use several times in a year. Else can threaten the bank to cancel CC and usually they will bagi chan one.

apple pay is like credit card wave with no limit (cc capped at Rm250)

I got ICBC Card, because I want Union Pay. Do you know Union Pay are the world widest & most accept system in the world. Wider than any VISA , MasterCard & American Express.

very easy nia... used to be using Maybank 2 Card with their AMEX alot but in recent years i've switch to most of my usage towards Affin Duo

Monthly just topup RM2k into TnG - immediate cashback RM50
Monthly use it to pay Electrical bill, insurance, prepaid topup etc up to RM1k - immediate cashback RM30

Monthly cashback RM80 yo.. seriously don't miss this card. RM80 x 12 it's still alot of savings.

No need change CC also can upgrade.

I have maybank basic 2 cards CC, but limit upgraded to 30k

Cimb eCC good choice gave you multiple cards with no annual fees 🤣

if u want to prevent hassle ..just apply whichever card that stated no annual fee at all

not some card that having annual but free for first few year

i know those no annual fee card might not having that attractive rebate

but that is the price/hassle that you paid for

not really

citbank clear card come with rm75 or 95 annual

but i am not complaining as i get more value back from cbtl b1f1

This post has been edited by fantasy1989: Dec 29 2022, 09:52 AM

why you got offer to upgrade.. niama mine tak pernah call ask me to upgrade card pun..

My maybank 2 cards i'm planning to give it up already.. those fkers never want to up my limit.. i call to up my limit as i'm travelling to europe and so on they DARE FKING reject me.. so dulan.

Also my nett salary is already over the credit card limit... ccb Maybank.. RM15k limit from 2010 till now.

you never need them then why you need them now?

current: RHB Sig, Maybank Shopee (for easypayment), CIMB World and Infinite

First card after freshgrad : UOB ONE (white color card)

maybank is like that 1

they even gave me minimum cc limit (30k) when i applied for m2u premier [min limit for this card]

until today never top up limit or anything ..lol

I rejected limit up too cos more than enough liao

hurm just checked on the clear card benefit.. seems like nothing much wor.. i just want the duitnow RM600 by applying through ringgitplus haha.

M2u premier card can got what advantage?

ya..i used that card solely for cbtl b1f1 on weekday

last time gsc or tgv also got ticket free at friday iinm ..but i never use that

Ya i agree.. unless you got friend inside, if not sure a bit diff. But its just they are strict in vetting which is pretty funny because they keep pushing their bankers to sell more services but then when it comes to actual services, they are stingy fuckers.

PPL at most of the countries [other card mostly within KLIA only] < like germany, dubai , hong kong etc
Point convert to krisflyer (much faster)

Sidenote : AMEX with Reserve printed ..more atas feel when travel around (owai)


that time i have many planned business trip ; this card serve me well


issue is RM800 annual (which can be waived with 80k annual spend)

This post has been edited by fantasy1989: Dec 29 2022, 09:57 AM

yes, you are correct, actually Citi Simplicity+ Card that has no annual fee.

Public bank is the best

Are u trolling or what?

I go small supermarket and many small business places, when I pay using the apple pay, the payment goes thru without any problem

ya lor..thats why once MCO i cancel my m2u premier and apply their shopee card

just use it for ezypayment

Maybe u can try citibank, they suka suka upped my limit till over 100k already.

Not sure whether now still the same onot since UOB took over them d.

same... i also using Maybank 2 Card with Amex....
I retain it for now because of Apple Pay..

thanks for sharing the cashback tips.

recently somehow my UOB application got approved got another duo card..
with higher Limit than maybank

i'm actually looking at them thinking whcih to apply.. RM600 duitnow yo! hahaha

https://ringgitplus.com/en/credit-card/Citi...-202212-week4-1

used to own 1. just get the one that is compatible for you to do the 12 month no interest payment (EPP). Maybank one is good. Of course get the islamic version if you're muslim.

Don't ever swipe more that what u can pay. sakit woo bayar lumpsum just for CC. If maybe 200/month EPP still manageable. Plan your purchase. Now I seldomly do big purchases unless got extra cash or absolutely necessary.

CC is just a means of payment. Don't even fall into the debt trap. also I don't care about the CC freebies. just get one that waives the yearly fee. all those points la,etc is overrated for me.

This post has been edited by MegaCanonF: Dec 29 2022, 10:05 AM

i usually only apply when there's promo on ringgitplus. hahaha..

if u are new customer (first 3 year free annual) ..can have a look on their cashback card

use it few years before annual kicked-in then cancel it

Thats why i reject upgrade even if total spending reach the requirement, later not enough spending one day need to go request to waive, so tedious

mcm jarang this type of cc

apply maybank few times but keep kena reject

last time my income low, i use my cc a lot until hutang byk. now income okay d i cancel the cimb 45k limit and stick to 1 hsbc 4.5k limit for phone and other auto billing n use debit card mostly. kena call by bank for upgrade many times ady but i say 4.5k just nice for me .cc very scary 1 if u dono how to manage ur finance. i am certainly not very good in it.

yup..last time i can hit that easily because i spend my business trip expenses with CC then claim back from company

but once MCO i direct cancel it although they say they can waive for free without spending limit requirement

Exactly, even if they give u 100k limit also u will fear for scam, phishing etc, many hassle if one of these happen, if mau use beyond limit, just bank in the excess, or reqiest for tempoary boost, the bank will do it for you if ur record is cantek

sometime higher credit limit good for emergency use

like suddenly if got some unexpected outcome (especially at oversea); can use it directly

mbb cherry card (1st gen)

Annual fees can waive one but need to call them.

Been with them for over 10yrs d, semua boleh bawa berbincang one.

can

but not worth my hassle/time

Yeah was in India and distros suddenly to visit southern side customer

Forced to pay up the 1st flight cost to open up credit to buy this 2nd one

the thing is their cashback isn't really interesting. I think their cashback platinum is the best but then.
1) i don't need petrol cashback - i'm given a company petrol card
2) Grab - i already stop using them. Even i need food delivery i'll be using foodpanda now days.

so really only left with 2 category which cashback could only amount to RM30.


https://ringgitplus.com/en/credit-card/Citi...filter=Citibank

Point need to have specific number before redeemable, also need your action to redeem it.

Cashback is automatic, you don't have to deal with it, the benefits will be automatically credited to you balance, better.

This post has been edited by cassian948: Dec 29 2022, 10:14 AM

thanks ktards for advise, seems like maybank is the most suitable for me, just want to do a few big ticket items ( fridge, tv ) n do 0% epp, at same time also build up my CTOS rating. never taken a loan

ya lor..i dont want at oversea cari hotspot to uplift FD and pay back credit card

My main choice of cc will always be the one with no annual fees and the bank able to provide good service for cases such as dispute, fraud or phishing, last time kena during mco when some gomen link body hold mah money after cancellation and didnt refund beyond their due date, straight file dispute and get my money back two weeks later, bank even call to follow up.

Maybank CC is overrated.. not much privilege

I used to recommend ppl the PBB Quantum Cards until they changed their rebate policies. :/

i apply ringgitplus, comparehero... rejected
but apply thru agen somehow approve

I remember apply Maybank basic CC thru website..rejected
wait for 6 month period, then apply thru agent.. following week approve
got the 2 card Amex

hahahaha

miss out those sign up promo la

I only use 7% of my cc limit each mont, generally i am poor and kiamsiap, whenever they call and offer me new limit or higher end card i say i dun even manage to spend my current limit lo

You can get a 36-month 0% interest installment plan at Harvey Norman with Maybank CC if you spend a lot.

Ini dangerous, later debt pile up and ts ccris jadi ugly

if you failed to control your spending

remember there is always AKPK

dont 13a floor

In my situation, I pay in full every month before the monthly statement by the 3rd, therefore there are no interest charges or fees.

This post has been edited by eclectice: Dec 29 2022, 10:25 AM

credit card is a trap.

if you are makan gaji, do not apply for credit card.

you can pay full monthly statement for a year, for two year, even 5 years, but you definitely cant pay full for FOREVER.

at one point in the future you will be trapped by credit card. this is how CC companies make profit.

the so called "cashback and benefits" are just a cheap and small lure to trap you in the future.

okay2

if like that, I'll plan my purchase accordingly since weekend got cash back

Everyone say AKPK, but from someone i know who end up applying AKPK, they give u a longer period to settle and lessen ur payment amount but the interest still damn 7 high

poor money management la tew..

I own only one CC. Maybank VISA Infinite. Used to have many, but already cut down to one only. Cash is king.

Affin duo.

Whenbu use infinite card how to cash is king, u are racing to reach 80k milestone every year to waive annual lo

how you so sure you can have good money management FOREVER ?

You must still establish a credit history with the financial system before the banks can grant you a loan. There is no way around this if you cannot afford to buy large purchases in full cash. They want to see how you manage your credits.

its a service use it

dont end up letting it use you

all HELANG are in credit only plebs are credit free

Check balance every one two days and not exceeding ur salary? Unless u love to spend beyond your salary and drain ur fix saving to feed the cc. Thats why i never enroll in any pay later option, that could screw u up if left unattend

to establish credit history you dont have to USE the cc.

CCRIS only look at 0 or 1 in the report.

they dont count scores like in the US.