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

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

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

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

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

just use it for ezypayment

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

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

sometime higher credit limit good for emergency use

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

can

but not worth my hassle/time

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

because many ppl fail on self-discipline ..even telco or electricity bill also pay late or partial payment then only cry mother cry father when shit hit the fan

whats made you think they dont do the same for CC?

if you know you are the person that having poor financial management and self discipline

then just avoid credit card

luckily for me atleast within 13 years of CC ownership..so far never kena any late charges or even CC interest


only kena SST and annual fee if applicable

This post has been edited by fantasy1989: Dec 29 2022, 10:50 AM

min 30k

max i remember 250k

then if want beyond that need those invitation card

this is standard m2u premier ..which you can apply whenever you hitting 80k annual

what i meant is those premium banking infinite card which need to have their premium banking or purely invitation based

eg: ambank signature priority infinite card

This post has been edited by fantasy1989: Dec 29 2022, 11:01 AM

look high class

but give me 30k limit only

i tot last time min should 30k? hmmm..seems like revised