Visa Infinite = T20?
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 Feb 8 2023, 06:56 PM, updated 3y ago
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#1
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground  
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Read ktard wrote visa infinite = T20
QUOTE(Paradigmata @ Feb 8 2023, 11:15 AM) » Click to show Spoiler - click again to hide... « I am t20 or m40? Many said I have Visa infinite tier credit card so I am t20 already. Tq.   sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho  |
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Feb 8 2023, 06:58 PM
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#2
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Junior Member
460 posts Joined: Oct 2008
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Ini soalan ke cadangan?
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Feb 8 2023, 06:59 PM
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#3
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Senior Member
9,052 posts Joined: Jan 2003
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As long need to become a bank slave, no level because need to rely on a third party to be powerful. If earn cash, pay cash and buy cash then only earn godlike status. smallcrab liked this post
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Feb 8 2023, 06:59 PM
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#4
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Senior Member
675 posts Joined: Nov 2011
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i onry have ciplak cc but ppl often mistaken me as t20, for real i am just a bb40
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Feb 8 2023, 07:02 PM
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#5
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(TheEvilMan @ Feb 8 2023, 06:59 PM) i onry have ciplak cc but ppl often mistaken me as t20, for real i am just a bb40 vat is chip-lak CC? |
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Feb 8 2023, 07:03 PM
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#6
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Senior Member
675 posts Joined: Nov 2011
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QUOTE(rtk74 @ Feb 8 2023, 07:02 PM) vat is chip-lak CC? fake cc card which already long expired |
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Feb 8 2023, 07:05 PM
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#7
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Junior Member
536 posts Joined: Oct 2010 From: 4:44 am
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My monthly expenses for dairy life
Bruh Kek 🤣🤣🤣 |
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Feb 8 2023, 07:06 PM
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#8
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Junior Member
118 posts Joined: Dec 2021
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actually i realize got some local banks make those higher end cards easily available to the masses
if 60k annually, my first job a decade ago also can nearly hit it... first job 4.9k /month, fk ccb some bank die die want 5k only give platinum card i still rmbr This post has been edited by Knnbuccb: Feb 8 2023, 07:07 PM |
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Feb 8 2023, 07:08 PM
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#9
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Junior Member
195 posts Joined: Sep 2019
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What did infinite card and does it have NFC? Can get discount in NSK anot?
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Feb 8 2023, 07:10 PM
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Moderator
6,181 posts Joined: Oct 2004 
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nope, world mastercard elite = t20
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Feb 8 2023, 07:10 PM
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Junior Member
227 posts Joined: Sep 2013
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Cash is king
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Feb 8 2023, 07:14 PM
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Junior Member
496 posts Joined: Mar 2007
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Local bank infinite is like foreign bank platinum.
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Feb 8 2023, 07:15 PM
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Senior Member
4,553 posts Joined: Jan 2003 From: Shah Alam
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How to take out 200k from epf
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Feb 8 2023, 07:16 PM
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Senior Member
6,155 posts Joined: Jul 2012 From: Today, 00:01 AM
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i got this card for free due to my property purchase lol.
didnt even use. i just treat it as spare card in case anything. |
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Feb 8 2023, 07:17 PM
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Senior Member
5,975 posts Joined: Jan 2003 From: KL, Malaysia
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 RM5000 is T20. Some Fresh grad qualify day 1but this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho |
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Feb 8 2023, 07:17 PM
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#16
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Senior Member
5,614 posts Joined: Jun 2006 From: Cyberjaya, Shah Alam, Ipoh 
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QUOTE(rtk74 @ Feb 8 2023, 07:56 PM) Read ktard wrote visa infinite = T20 Rm5k per month can get visa infinite 🤣🤣🤣🤣but this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho Really jatuh standard infinite card members! Rm5k last time oso is just entry level for platinum card only |
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Feb 8 2023, 07:18 PM
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Senior Member
1,099 posts Joined: Jan 2019
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 Maybank visa infinite is 100k annual celery, so around 8.3k per monthbut this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho But annual fee rm800 is crazy  max_cavalera liked this post
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Feb 8 2023, 07:18 PM
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#18
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Newbie
42 posts Joined: Jan 2017
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i ok my life don't have credit card.
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Feb 8 2023, 07:19 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(max_cavalera @ Feb 8 2023, 07:17 PM) Rm5k per month can get visa infinite 🤣🤣🤣🤣 i rmbr decade ago fresh grd 1st job got denied 4.9k to get platinum cardReally jatuh standard infinite card members! Rm5k last time oso is just entry level for platinum card only cant rmbr wich bank too bad, i could have made a motivational video , by appearing in shorts and slippers with my currnt celery and apply ... make a tiktok vid of neber gibab max_cavalera liked this post
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Feb 8 2023, 07:25 PM
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Senior Member
1,534 posts Joined: Jul 2006
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Use whichever card with most benefits as cash back and no annual fees Isobel liked this post
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Feb 8 2023, 07:28 PM
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#21
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Junior Member
71 posts Joined: Sep 2018
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QUOTE(JoeK @ Feb 8 2023, 07:18 PM) Maybank visa infinite is 100k annual celery, so around 8.3k per month The minimum salary and annual fee is nothing actually.But annual fee rm800 is crazy They have a strict no annual fee waive policy if you don’t spend a minimum of RM80k per annum using that card Tough to retain this card if you M40 B40. But the benefit is damn good. |
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Feb 8 2023, 07:28 PM
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Senior Member
1,862 posts Joined: Dec 2008 From: In The HELL FIRE
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depends on state, if KL need Rm15k per month only T20. if /k then Rm20k
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Feb 8 2023, 07:28 PM
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Senior Member
7,106 posts Joined: Jan 2003
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QUOTE(JoeK @ Feb 8 2023, 07:18 PM) Maybank visa infinite is 100k annual celery, so around 8.3k per month Spend 80k can waive d. But annual fee rm800 is crazy CIMB World Elite is highest @ 250k, spend rate also is 240k for waiver. Second should be SC Priority Banking VI. |
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Feb 8 2023, 07:29 PM
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#24
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Senior Member
5,363 posts Joined: Apr 2005 From: กรุงเทพมหานคร BKK
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Where got annual fee? Every year waive one u believe them meh kek
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Feb 8 2023, 07:32 PM
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Senior Member
1,099 posts Joined: Jan 2019
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QUOTE(WaterBuffalo @ Feb 8 2023, 07:28 PM) The minimum salary and annual fee is nothing actually. They have a strict no annual fee waive policy if you don’t spend a minimum of RM80k per annum using that card Tough to retain this card if you M40 B40. But the benefit is damn good. QUOTE(fuzzy @ Feb 8 2023, 07:28 PM) Spend 80k can waive d. Ooo ok, spended rm80k then can wave rm800 annual fee la.CIMB World Elite is highest @ 250k, spend rate also is 240k for waiver. Second should be SC Priority Banking VI. But buy what rm80k wor  |
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Feb 8 2023, 07:34 PM
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Senior Member
7,106 posts Joined: Jan 2003
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QUOTE(JoeK @ Feb 8 2023, 07:32 PM) Ooo ok, spended rm80k then can wave rm800 annual fee la. You hentam business class ticket 2x a year can hit limit d.But buy what rm80k wor |
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Feb 8 2023, 07:34 PM
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Senior Member
4,707 posts Joined: May 2008
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this 1 really wannabe infinite
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Feb 8 2023, 07:35 PM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(JoeK @ Feb 8 2023, 07:18 PM) Maybank visa infinite is 100k annual celery, so around 8.3k per month Get ambank infinite lorBut annual fee rm800 is crazy no annual fee + Plaza Lounge (need spend rm500 before or after) + travel insurance |
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Feb 8 2023, 07:36 PM
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#29
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Junior Member
241 posts Joined: Oct 2021
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Lol who the hell banks with Alliance Bank? Whats good about Alliance Bank?
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Feb 8 2023, 07:38 PM
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#30
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Junior Member
71 posts Joined: Sep 2018
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QUOTE(fuzzy @ Feb 8 2023, 07:28 PM) Spend 80k can waive d. CIMB World Elite is highest @ 250k, spend rate also is 240k for waiver. Second should be SC Priority Banking VI. QUOTE(JoeK @ Feb 8 2023, 07:32 PM) Ooo ok, spended rm80k then can wave rm800 annual fee la. Deswai true measure of credit card ownership is not minimum salary required for application. Is that if you can spend up to 80k a year to retain that card.But buy what rm80k wor My first time ownership I only spent up to 60k on my second year and Maybank didn’t waive it off even though I requested numerous time. Waited for one year cool down and applied again. Now pay everything with it including parents insurance. |
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Feb 8 2023, 07:42 PM
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#31
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Junior Member
370 posts Joined: Jul 2010
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I have platinum tier in grab pay. T10 for sure. max_cavalera liked this post
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Feb 8 2023, 07:43 PM
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#32
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Junior Member
937 posts Joined: Apr 2020
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2k per month at 32 and no commitment...epf only 200k...ini sure stay with fama lol
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Feb 8 2023, 07:45 PM
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#33
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Senior Member
1,389 posts Joined: Feb 2006 From: Southern Region
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Put 200k for premier banking everyone also get get mc world card
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Feb 8 2023, 07:47 PM
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Senior Member
3,187 posts Joined: Jan 2008
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QUOTE(JoeK @ Feb 8 2023, 07:32 PM) Ooo ok, spended rm80k then can wave rm800 annual fee la. Car insuranceBut buy what rm80k wor |
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Feb 8 2023, 07:51 PM
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Senior Member
1,099 posts Joined: Jan 2019
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QUOTE(fantasy1989 @ Feb 8 2023, 07:35 PM) Get ambank infinite lor no annual fee + Plaza Lounge (need spend rm500 before or after) + travel insurance QUOTE(WaterBuffalo @ Feb 8 2023, 07:38 PM) Deswai true measure of credit card ownership is not minimum salary required for application. Is that if you can spend up to 80k a year to retain that card. Can lekomen CC for annual celery rm151k?My first time ownership I only spent up to 60k on my second year and Maybank didn’t waive it off even though I requested numerous time. Waited for one year cool down and applied again. Now pay everything with it including parents insurance. I feel like i dont take advantage of credit card benefits at all |
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Feb 8 2023, 07:58 PM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(JoeK @ Feb 8 2023, 07:51 PM) Can lekomen CC for annual celery rm151k? depend on your goalI feel like i dont take advantage of credit card benefits at all cashback or travel if travel then RHB bank infinite is good 1 auto buy travel insurance when u use that car to buy flight ticket shit happen kah boom die somewhere ..waifu can get up to 2mil of compensation. else Ambank or Ambank signature priority infinite Infinite and World card level usually wont have good cashback already ..either waive green fee on golf or travel related This post has been edited by fantasy1989: Feb 8 2023, 07:59 PM |
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Feb 8 2023, 08:06 PM
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Senior Member
1,099 posts Joined: Jan 2019
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QUOTE(fantasy1989 @ Feb 8 2023, 07:58 PM) depend on your goal I dont travel much.cashback or travel if travel then RHB bank infinite is good 1 auto buy travel insurance when u use that car to buy flight ticket shit happen kah boom die somewhere ..waifu can get up to 2mil of compensation. else Ambank or Ambank signature priority infinite Infinite and World card level usually wont have good cashback already ..either waive green fee on golf or travel related If cashback, which card bestest? |
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Feb 8 2023, 08:09 PM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(JoeK @ Feb 8 2023, 08:06 PM) I dont travel much. public signature kotIf cashback, which card bestest? didnt do much survey because cashback usually max also 1 month rm50 for normal spend i am using maybank shopee card..every month convert rm50 shopee coin to my account then i spend it |
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Feb 8 2023, 08:11 PM
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#39
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Senior Member
7,106 posts Joined: Jan 2003
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QUOTE(JoeK @ Feb 8 2023, 08:06 PM) I dont travel much. If cashback, which card bestest? QUOTE(fantasy1989 @ Feb 8 2023, 08:09 PM) public signature kot PB VS not as good anymore coz it only take account of you spend 100 and above. Anything less don't get.didnt do much survey because cashback usually max also 1 month rm50 for normal spend i am using maybank shopee card..every month convert rm50 shopee coin to my account then i spend it M2U Amex is still best tapi is amex la. Maybe YOLO also? |
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Feb 8 2023, 08:13 PM
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#40
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Junior Member
449 posts Joined: Jul 2009 From: Soyuz Sovetskikh Sotsialisticheskikh Respublik
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When I was 25 years old, rasa syiok jugak la using Maybank 2 Cards Premier with Citibank Premier Miles when my peers barely qualify for Maybank 2 Platinum Cards or Citi Cash Back Platinum.
Now I old man already all peers pun sama saja cards. No feel already. This post has been edited by ak101ss: Feb 8 2023, 08:13 PM |
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Feb 8 2023, 08:13 PM
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Junior Member
944 posts Joined: Jul 2005
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How much is the anal fees per year?...
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Feb 8 2023, 08:14 PM
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#42
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Junior Member
241 posts Joined: Oct 2021
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QUOTE(ak101ss @ Feb 8 2023, 08:13 PM) When I was 25 years old, rasa syiok jugak la using Maybank 2 Cards Premier with Citibank Premier Miles when my peers barely qualify for Maybank 2 Platinum Cards or Citi Cash Back Platinum. What job u do can earn 10k at 25 years old?Now I old man already all peers pun sama saja cards. No feel already. |
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Feb 8 2023, 08:15 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(WaterBuffalo @ Feb 8 2023, 07:28 PM) The minimum salary and annual fee is nothing actually. Even T20 don't spend that much ... At least I don't think my dad does...he frequently eats at dai chow that don't accept credit cards, dinner each time 100..think that's his highest spending topkek. Myself definitely don't spend that amount on cc ...They have a strict no annual fee waive policy if you don’t spend a minimum of RM80k per annum using that card Tough to retain this card if you M40 B40. But the benefit is damn good. What kind of benefit tho. U manage to hit 80k? This post has been edited by Knnbuccb: Feb 8 2023, 08:16 PM |
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Feb 8 2023, 08:24 PM
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#44
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Junior Member
449 posts Joined: Jul 2009 From: Soyuz Sovetskikh Sotsialisticheskikh Respublik
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QUOTE(CoolStoryWriter @ Feb 8 2023, 08:14 PM) What job u do can earn 10k at 25 years old? No need 10k la, 120k per annum saja la, bonus pun kira ma.Construction, I rose up fast. Now hit glass ceiling already, difficult to break. Salary constant for 3 years already, all my peers catched up to me lmao. This post has been edited by ak101ss: Feb 8 2023, 08:24 PM |
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Feb 8 2023, 08:25 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(ak101ss @ Feb 8 2023, 08:24 PM) Construction, I rose up fast. Now hit glass ceiling already, difficult to break. Salary constant for 3 years already, all my peers catched up to me lmao. How much is the ceiling Nonway to break unless change industry? |
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Feb 8 2023, 08:27 PM
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#46
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Junior Member
449 posts Joined: Jul 2009 From: Soyuz Sovetskikh Sotsialisticheskikh Respublik
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QUOTE(Knnbuccb @ Feb 8 2023, 08:25 PM) How much is the ceiling Ceiling is /k standard. Break by going out of country or run own company lo. I'm trying to suit myself up with professional certifications and a masters, let's see how it goes.Nonway to break unless change industry? Change industry means must take 3-4 salary bracket reduction and start again, too old for that shit. |
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Feb 8 2023, 08:31 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(ak101ss @ Feb 8 2023, 08:27 PM) Ceiling is /k standard. Break by going out of country or run own company lo. I'm trying to suit myself up with professional certifications and a masters, let's see how it goes. I see. .. those certs and master is from own expenses? Must be tough to take masters part time and juggle work... All the best broChange industry means must take 3-4 salary bracket reduction and start again, too old for that shit. |
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Feb 8 2023, 08:44 PM
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#48
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Senior Member
1,275 posts Joined: Nov 2007
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Ayam still using m2u gold card and limit 5k kesian
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Feb 8 2023, 08:46 PM
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Senior Member
1,335 posts Joined: Nov 2004
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I got one from CIMB also.
Lowest tier preferred I get it to get free priority parking only.. lol cBD area parking space like gold.. lol |
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Feb 8 2023, 08:48 PM
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Junior Member
84 posts Joined: Jan 2016
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currently using cimb travel platinum. shud i take this alliance card ?
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Feb 8 2023, 08:49 PM
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Junior Member
532 posts Joined: Mar 2008 From: 🍍bikini bottom🍍
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Nah…
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Feb 8 2023, 08:56 PM
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Junior Member
107 posts Joined: Jul 2007
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The best CC card is no need to pay after swipe. But don have such card available
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Feb 8 2023, 08:58 PM
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Junior Member
27 posts Joined: Feb 2022 From: Knowhere
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QUOTE(drug5 @ Feb 8 2023, 08:56 PM) The best CC card is no need to pay after swipe. But don have such card available Hawt beb cc |
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Feb 8 2023, 09:11 PM
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Junior Member
107 posts Joined: Jul 2007
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QUOTE(Rich Dad @ Feb 8 2023, 08:58 PM) Hawt beb cc In fact there is one. Sugar Mami card |
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Feb 8 2023, 09:18 PM
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Senior Member
1,555 posts Joined: Feb 2013
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QUOTE(fuzzy @ Feb 8 2023, 07:28 PM) Spend 80k can waive d. Ayam had the seken one. By invitational only.CIMB World Elite is highest @ 250k, spend rate also is 240k for waiver. Second should be SC Priority Banking VI. But so-so jek the benefits, or maybe i dunno how to use |
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Feb 8 2023, 09:20 PM
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#56
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Senior Member
5,614 posts Joined: Jun 2006 From: Cyberjaya, Shah Alam, Ipoh
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QUOTE(ak101ss @ Feb 8 2023, 09:24 PM) No need 10k la, 120k per annum saja la, bonus pun kira ma. Same situation with me aiyoyoyo macha Construction, I rose up fast. Now hit glass ceiling already, difficult to break. Salary constant for 3 years already, all my peers catched up to me lmao. |
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Feb 8 2023, 09:33 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(drug5 @ Feb 8 2023, 08:56 PM) The best CC card is no need to pay after swipe. But don have such card available It's called suga dedi card |
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Feb 8 2023, 09:34 PM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(ak101ss @ Feb 8 2023, 08:13 PM) When I was 25 years old, rasa syiok jugak la using Maybank 2 Cards Premier with Citibank Premier Miles when my peers barely qualify for Maybank 2 Platinum Cards or Citi Cash Back Platinum. I rmbr I fresh grad tried to apply for mb2 card platinum and they rejected bcoz 4.9k is less than 5kNow I old man already all peers pun sama saja cards. No feel already. |
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Feb 8 2023, 09:40 PM
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#59
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Senior Member
1,886 posts Joined: Jan 2007 From: The Long river ...
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Got a pubic back infinite ... tak rasa T20 pun ... dew ...
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Feb 8 2023, 09:41 PM
Show posts by this member only | IPv6 | Post
#60
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Senior Member
1,044 posts Joined: Jun 2008
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Alliance bank VI downgrade a lot d
Last time got free airport lounge with priority pass. Now cut d to 4 visit a year |
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Feb 8 2023, 09:43 PM
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#61
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Senior Member
1,275 posts Joined: Nov 2007
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I always thought last time infinite need like 150k/180k annual to get it but now 6k salary can get edi? No wonder /k no longer show off credit cards.
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Feb 8 2023, 10:43 PM
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Elite
3,249 posts Joined: Oct 2011
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QUOTE(CoolStoryWriter @ Feb 8 2023, 08:14 PM) What job u do can earn 10k at 25 years old? sales job can hit ayam 26 this year and barely hit 120k for 2022 total income Knnbuccb liked this post
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Feb 8 2023, 10:48 PM
Show posts by this member only | IPv6 | Post
#63
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Junior Member
781 posts Joined: Mar 2008 From: KL
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QUOTE(acbc @ Feb 8 2023, 06:59 PM) As long need to become a bank slave, no level because need to rely on a third party to be powerful. Sounds like typical money laundering lolIf earn cash, pay cash and buy cash then only earn godlike status. |
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Feb 8 2023, 11:05 PM
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Senior Member
1,009 posts Joined: Mar 2019
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Any card which is associated with priority / privillege / preferred is the minimum entry point for t20
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Feb 8 2023, 11:08 PM
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Senior Member
1,154 posts Joined: Oct 2021
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 very low requirementbut this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho |
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Feb 8 2023, 11:16 PM
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Junior Member
107 posts Joined: Jul 2021
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QUOTE(Davez89 @ Feb 8 2023, 09:43 PM) I always thought last time infinite need like 150k/180k annual to get it but now 6k salary can get edi? No wonder /k no longer show off credit cards. my infinite were offered to me for free by sotong bank kek.not much privilege though as i dont golf nor travel to expensive hotel. normally i stay 1 star motel only |
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Feb 8 2023, 11:20 PM
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#67
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Junior Member
140 posts Joined: Jul 2007 From: Puchong
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metal card nice and T20 level
but annual fee in the thousands |
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Feb 8 2023, 11:35 PM
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#68
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All Stars
21,459 posts Joined: Jul 2012
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60k p.a. is t20? Then /k 240k pa would be T3.
This post has been edited by icemanfx: Feb 8 2023, 11:48 PM |
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Feb 8 2023, 11:58 PM
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Junior Member
338 posts Joined: Mar 2017
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Rm 5k?
Banggala with OT can reach that amount. |
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Feb 9 2023, 12:15 AM
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Senior Member
1,330 posts Joined: Jun 2019 
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its the annual fee that not worth it... but this alliance one, only need 12k to waive. which is pretty low.
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Feb 9 2023, 12:18 AM
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#71
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Junior Member
235 posts Joined: Feb 2017
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PB want to increase my visa infinite CC limit to 42k.
End up cancel the card. Spent within ur limit, not for glamour |
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Feb 9 2023, 12:23 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(abelyap @ Feb 9 2023, 12:18 AM) PB want to increase my visa infinite CC limit to 42k. limit only .. most important is self discipline End up cancel the card. Spent within ur limit, not for glamour high limit quite useful especially when you go for business trip just spend n claim later ..no need use own money to relief limit while waiting company claim approval pre-covid i and my colleague went for 1 month business trip..he need to keep uplift own FD to bayar dulu while waiting company claim reimburse This post has been edited by fantasy1989: Feb 9 2023, 12:24 AM |
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Feb 9 2023, 12:26 AM
Show posts by this member only | IPv6 | Post
#73
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Junior Member
235 posts Joined: Feb 2017
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QUOTE(fantasy1989 @ Feb 9 2023, 12:23 AM) limit only .. most important is self discipline it is impacting the DSR.high limit quite useful especially when you go for business trip just spend n claim later ..no need use own money to relief limit while waiting company claim approval pre-covid i and my colleague went for 1 month business trip..he need to keep uplift own FD to bayar dulu while waiting company claim reimburse i do buy properties |
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Feb 9 2023, 12:29 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(abelyap @ Feb 9 2023, 12:26 AM) it is impacting the DSR. DSR does not include credit card limit right? unless you are saying got outstanding that you cant clear off i do buy properties DSR = total monthly commitment + loan / Net income This post has been edited by fantasy1989: Feb 9 2023, 12:32 AM |
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Feb 9 2023, 12:43 AM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(mingyuyu @ Feb 8 2023, 10:43 PM) sales job can hit User car so good sales Huh.. congratsayam 26 this year and barely hit 120k for 2022 total income I see used car tauke so rich can hire sexy women to do tiktok video.... This post has been edited by Knnbuccb: Feb 9 2023, 12:43 AM |
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Feb 9 2023, 12:44 AM
Show posts by this member only | IPv6 | Post
#76
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Junior Member
235 posts Joined: Feb 2017
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QUOTE(fantasy1989 @ Feb 9 2023, 12:29 AM) DSR does not include credit card limit right? unless you are saying got outstanding that you cant clear off you are right. but the reality is that higher credit limit will typically end up with higher spending. DSR = total monthly commitment + loan / Net income i cannot understand why bank want to give credit limit which is 2.5x of my monthly income. if credit limit within my monthly income, for sure can clear in time. |
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Feb 9 2023, 12:44 AM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(accordvtec @ Feb 8 2023, 11:16 PM) my infinite were offered to me for free by sotong bank kek. Good sounds like me....not much privilege though as i dont golf nor travel to expensive hotel. normally i stay 1 star motel only But actually I rmbr I go Bukit Bintang book oyo hotel quite cheap, don't even look like 1 star.... |
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Feb 9 2023, 12:46 AM
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Junior Member
118 posts Joined: Dec 2021
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QUOTE(abelyap @ Feb 9 2023, 12:44 AM) you are right. but the reality is that higher credit limit will typically end up with higher spending. U answered urself...i cannot understand why bank want to give credit limit which is 2.5x of my monthly income. if credit limit within my monthly income, for sure can clear in time. The bank doesn't want u to clear on time.... |
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Feb 9 2023, 01:30 AM
Show posts by this member only | IPv6 | Post
#79
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Junior Member
190 posts Joined: May 2012 From: Kuala Lumpur
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Cc apa guna.. private banking debit card baru T20
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Feb 9 2023, 01:32 AM
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Elite
3,249 posts Joined: Oct 2011
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QUOTE(Knnbuccb @ Feb 9 2023, 12:43 AM) User car so good sales Huh.. congrats easy on the surface but its a very messy industry with bosses being clueless of what to do all the time I see used car tauke so rich can hire sexy women to do tiktok video....  hopefully can hit 150k this year, working even harder  |
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Feb 9 2023, 01:39 AM
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Senior Member
3,158 posts Joined: Oct 2013
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QUOTE(kons @ Feb 8 2023, 07:10 PM) nope, world mastercard elite = t20 biar betik boss....u mod tarak tipu punya?ayam kuli b40 cikai cikai pun dapat, cukur free for life, no annual fee, else, mampuih kuli b40 rike ayam mau pay......1 tahun RM600  not amex centurian black real T20 meh? This post has been edited by 2feidei: Feb 9 2023, 01:40 AM |
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Feb 9 2023, 02:22 AM
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Junior Member
174 posts Joined: Feb 2019
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Only metal card = t20
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Feb 9 2023, 08:16 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(abelyap @ Feb 9 2023, 12:44 AM) you are right. but the reality is that higher credit limit will typically end up with higher spending. I am having almost 10x credit limit for yearsi cannot understand why bank want to give credit limit which is 2.5x of my monthly income. if credit limit within my monthly income, for sure can clear in time. Till today so far all cleared and doesn't lead to higher spending and clear all every months on all cc This post has been edited by fantasy1989: Feb 9 2023, 08:21 AM |
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Feb 9 2023, 09:29 AM
Show posts by this member only | IPv6 | Post
#84
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(fantasy1989 @ Feb 9 2023, 08:16 AM) I am having almost 10x credit limit for years Cukur lahhhTill today so far all cleared and doesn't lead to higher spending and clear all every months on all cc Just got new CC, but only for online purchase/cashbak |
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Feb 9 2023, 09:31 AM
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Moderator
6,181 posts Joined: Oct 2004
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QUOTE(2feidei @ Feb 9 2023, 01:39 AM) biar betik boss....u mod tarak tipu punya? which wem is without af?ayam kuli b40 cikai cikai pun dapat, cukur free for life, no annual fee, else, mampuih kuli b40 rike ayam mau pay......1 tahun RM600 not amex centurian black real T20 meh? only few banks in my offer wem. citi prestige = 1k hlb emirates wem = 2.4k cimb travel wem = 1.2k ocbc premier voyage = 750 there is also mastercard black which is by invitation only, but not available in malaysia. the distinct wem logo is grey scale, but normal mastercard logo is in colour. |
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Feb 9 2023, 09:34 AM
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Junior Member
345 posts Joined: Aug 2021
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QUOTE(kons @ Feb 9 2023, 09:31 AM) which wem is without af? Citi prestige is worth the annual fee for those who travel a lot.only few banks in my offer wem. citi prestige = 1k hlb emirates wem = 2.4k cimb travel wem = 1.2k ocbc premier voyage = 750 there is also mastercard black which is by invitation only, but not available in malaysia. the distinct wem logo is grey scale, but normal mastercard logo is in colour. Ambank signiture is the best, only required 250k deposit, no annual fee |
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Feb 9 2023, 09:36 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(rtk74 @ Feb 9 2023, 09:29 AM) Cukur lahhh Cari makan je ..but if some ppl that cannot tahan temptationJust got new CC, but only for online purchase/cashbak better just keep it as low as possible..or just keep it there to collect credit score |
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Feb 9 2023, 09:37 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(kons @ Feb 9 2023, 09:31 AM) which wem is without af? Ambank Signature Priorityonly few banks in my offer wem. citi prestige = 1k hlb emirates wem = 2.4k cimb travel wem = 1.2k ocbc premier voyage = 750 there is also mastercard black which is by invitation only, but not available in malaysia. the distinct wem logo is grey scale, but normal mastercard logo is in colour. RHB Premier i think only visa ..not sure on benefit |
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Feb 9 2023, 09:39 AM
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Junior Member
96 posts Joined: Feb 2021
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Just get those with 0 annnual fee je la.. not that u gonna buy a house with credit card.
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Feb 9 2023, 09:41 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(mick84 @ Feb 9 2023, 09:39 AM) Just get those with 0 annnual fee je la.. not that u gonna buy a house with credit card. UOB Infinite last time got dragon pass or whatever ...very good especially u usually transit at hongkong mick84 liked this post
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Feb 9 2023, 09:45 AM
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Junior Member
236 posts Joined: Sep 2008
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min income 5k, how to be T20
T20 you need to have private bank account |
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Feb 9 2023, 09:48 AM
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Senior Member
2,843 posts Joined: Jun 2005 From: Seasaw
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 amex? whattttbut this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho |
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Feb 9 2023, 09:49 AM
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(s@ni @ Feb 9 2023, 09:48 AM) amex? whatttt Mbb punya |
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Feb 9 2023, 09:57 AM
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Moderator
6,181 posts Joined: Oct 2004
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QUOTE(Paradigmata @ Feb 9 2023, 09:34 AM) Citi prestige is worth the annual fee for those who travel a lot. ambank signature only ppl access, without lk or pp.Ambank signiture is the best, only required 250k deposit, no annual fee citi prestige has lk. hlb emirates has lk, and infinite access to emirates lounge. cimb travel wem also ppl only. This post has been edited by kons: Feb 9 2023, 09:59 AM |
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Feb 9 2023, 09:57 AM
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Junior Member
112 posts Joined: May 2013
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>tfw I only have touch & go card nfc to pay toll
sed laif |
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Feb 9 2023, 10:00 AM
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(Quantum Geist @ Feb 9 2023, 09:57 AM) >tfw I only have touch & go card nfc to pay toll Get a CC for 0% interest EPP & cashbacksed laif |
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Feb 9 2023, 10:04 AM
Show posts by this member only | IPv6 | Post
#97
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Junior Member
944 posts Joined: Jul 2005
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I dun need all these kinda shiet cards...
ayam just got ..  |
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Feb 9 2023, 10:11 AM
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Junior Member
40 posts Joined: Jan 2015
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name "infinite" but income 5k enough to qualify, so if income 20k how?
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Feb 9 2023, 10:13 AM
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Junior Member
112 posts Joined: May 2013
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QUOTE(rtk74 @ Feb 9 2023, 10:00 AM) Get a CC for 0% interest EPP & cashback I've been looking on and off, nothing for me right now |
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Feb 9 2023, 10:26 AM
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(Quantum Geist @ Feb 9 2023, 10:13 AM) I've been looking on and off, nothing for me right now MBB one has no min spend, best for low incym earner liek meh |
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Feb 9 2023, 10:33 AM
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Junior Member
434 posts Joined: Aug 2010
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QUOTE(smallcrab @ Feb 8 2023, 11:20 PM) metal card nice and T20 level Annual fees no need pay wan, i have never pay annual fees on any of my cards.but annual fee in the thousands Just tell them to cancel the cards if they charge you annual fees, the relationship manager will come calling and apologizing to you  |
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Feb 9 2023, 10:45 AM
Show posts by this member only | IPv6 | Post
#102
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Senior Member
1,924 posts Joined: May 2009 From: Yokohama, JP
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QUOTE(JoeK @ Feb 8 2023, 07:32 PM) Ooo ok, spended rm80k then can wave rm800 annual fee la. easy, shopping But buy what rm80k wor |
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Feb 9 2023, 12:30 PM
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Junior Member
820 posts Joined: Aug 2006
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QUOTE(Prometric @ Feb 9 2023, 10:33 AM) Annual fees no need pay wan, i have never pay annual fees on any of my cards. last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek.Just tell them to cancel the cards if they charge you annual fees, the relationship manager will come calling and apologizing to you |
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Feb 9 2023, 12:32 PM
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Junior Member
434 posts Joined: Aug 2010
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QUOTE(coyouth @ Feb 9 2023, 12:30 PM) last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek. Have to see your spending habits/power. If you dont really use the card or use just few thousand per month. Of course they not gonna layan. |
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Feb 9 2023, 01:39 PM
Show posts by this member only | IPv6 | Post
#105
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Newbie
16 posts Joined: Jun 2009
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if not mistaken T20 monthly income rm10,000k je... T1 lain cerita
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Feb 9 2023, 03:05 PM
Show posts by this member only | IPv6 | Post
#106
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(coyouth @ Feb 9 2023, 12:30 PM) last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek. City Bank = shitty Bank |
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Feb 9 2023, 11:01 PM
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Senior Member
3,158 posts Joined: Oct 2013
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QUOTE(kons @ Feb 9 2023, 09:31 AM) which wem is without af? setantat certat bank WorldMiles Mastercardonly few banks in my offer wem. citi prestige = 1k hlb emirates wem = 2.4k cimb travel wem = 1.2k ocbc premier voyage = 750 there is also mastercard black which is by invitation only, but not available in malaysia. the distinct wem logo is grey scale, but normal mastercard logo is in colour. |
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Feb 10 2023, 08:19 AM
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Moderator
6,181 posts Joined: Oct 2004
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QUOTE(2feidei @ Feb 9 2023, 11:01 PM) setantat certat bank WorldMiles Mastercard sc worldmiles mc is just world mc.but it is not world elite mc some perks on priceless.com only can be bought with wem, but not wm This post has been edited by kons: Feb 10 2023, 11:35 AM |
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Feb 10 2023, 08:57 AM
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Junior Member
172 posts Joined: Oct 2007
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QUOTE(JoeK @ Feb 8 2023, 07:18 PM) Maybank visa infinite is 100k annual celery, so around 8.3k per month Each bank different requirements but this is the best card ever.But annual fee rm800 is crazy Almost all premium lounge accept this card and best rewards too |
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Feb 10 2023, 09:01 AM
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Senior Member
3,467 posts Joined: Jan 2003 From: PJ, Malaysia
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ppl dont care what card you use..
ppl see how much you can swipe before getting barred.. i.e your credit limit |
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Feb 10 2023, 09:03 AM
Show posts by this member only | IPv6 | Post
#111
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Senior Member
1,711 posts Joined: Jan 2003 From: Kedah Khap Khoun Khap (4K)
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QUOTE(JoeK @ Feb 8 2023, 07:18 PM) Maybank visa infinite is 100k annual celery, so around 8.3k per month Gila annual fee rm800But annual fee rm800 is crazy |
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Feb 10 2023, 10:15 AM
Show posts by this member only | IPv6 | Post
#112
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(Zaryl @ Feb 10 2023, 09:03 AM) Gila annual fee rm800 Rich people problem |
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Feb 10 2023, 10:17 AM
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Senior Member
4,707 posts Joined: May 2008
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QUOTE(Zaryl @ Feb 10 2023, 09:03 AM) Gila annual fee rm800 if big spender or help company pay bill worth that cardauto waive if spend 80k annually and this card have the best TP conversion to Krisflyer or other airline miles [i changed my entry level breitling from KrisShop ..using TP conversion + collected KF] with one of the most widely PPL coverage worldwide This post has been edited by fantasy1989: Feb 10 2023, 10:25 AM |
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Feb 10 2023, 10:23 AM
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Junior Member
436 posts Joined: Dec 2021
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Feb 10 2023, 10:49 AM
Show posts by this member only | IPv6 | Post
#115
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Junior Member
172 posts Joined: Oct 2007
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QUOTE(2feidei @ Feb 9 2023, 11:01 PM) setantat certat bank WorldMiles Mastercard This is worst card ever QUOTE(Zaryl @ Feb 10 2023, 09:03 AM) Gila annual fee rm800 You can call to waive.It’s very worth also, I one year 5-7 times go lounges to eat, drink (wine/beer) and relax. Save thousands. |
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Feb 10 2023, 11:12 AM
Show posts by this member only | IPv6 | Post
#116
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Senior Member
1,151 posts Joined: Jun 2013 From: Aboveground
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QUOTE(Sihambodoh @ Feb 10 2023, 10:23 AM) Reason for this thread ekceli |
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Feb 10 2023, 11:13 AM
Show posts by this member only | IPv6 | Post
#117
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Senior Member
675 posts Joined: Nov 2011
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Is there a way to get best card to flex without having t20 celery?
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Feb 10 2023, 11:17 AM
Show posts by this member only | IPv6 | Post
#118
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Junior Member
16 posts Joined: Feb 2022
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QUOTE(rtk74 @ Feb 10 2023, 10:15 AM) Rich people problem *Annual fee waived for subsequent year with minimum spend of RM80,000 per annumSpend RM 6666.67 per month, then no annual fee. Very easy, just refuse to enter shops that don't accept cc. Sure can exceed RM 6666.67 per month. |
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Feb 10 2023, 11:24 AM
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Senior Member
1,134 posts Joined: Jun 2015
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I thought having RM20k cash are way more important to have RM20k credit limit?
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Feb 10 2023, 11:32 AM
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Senior Member
7,106 posts Joined: Jan 2003
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QUOTE(submergedx @ Feb 10 2023, 11:24 AM) I thought having RM20k cash are way more important to have RM20k credit limit? Nope. Debt is a very useful tool and CC is one of those.The important part is being able to pay the 20k as when you need. |
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Feb 10 2023, 11:35 AM
Show posts by this member only | IPv6 | Post
#121
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Junior Member
199 posts Joined: Nov 2021
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Mana black centrion card?
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Feb 10 2023, 11:44 AM
Show posts by this member only | IPv6 | Post
#122
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Senior Member
1,275 posts Joined: Nov 2007
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QUOTE(submergedx @ Feb 10 2023, 11:24 AM) I thought having RM20k cash are way more important to have RM20k credit limit? That's why they don't flex their cards here anymore. |
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Feb 10 2023, 11:46 AM
Show posts by this member only | IPv6 | Post
#123
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Senior Member
1,009 posts Joined: Mar 2019
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QUOTE(TheEvilMan @ Feb 10 2023, 11:13 AM) Is there a way to get best card to flex without having t20 celery? Just need 250k cashMasuk cimb preferred.. Get preffered VI No need salary involved |
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Feb 10 2023, 11:48 AM
Show posts by this member only | IPv6 | Post
#124
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Senior Member
675 posts Joined: Nov 2011
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QUOTE(Boomwick @ Feb 10 2023, 11:46 AM) Just need 250k cash I no hav acc thereMasuk cimb preferred.. Get preffered VI No need salary involved |
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Feb 10 2023, 11:50 AM
Show posts by this member only | IPv6 | Post
#125
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Senior Member
1,009 posts Joined: Mar 2019
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QUOTE(TheEvilMan @ Feb 10 2023, 11:48 AM) I no hav acc there U got 250k cash anot? If no also no use |
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Feb 10 2023, 11:51 AM
Show posts by this member only | IPv6 | Post
#126
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Senior Member
675 posts Joined: Nov 2011
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QUOTE(Boomwick @ Feb 10 2023, 11:50 AM) U got 250k cash anot? no, thats why i ask how to get flexing level card without high incomeIf no also no use |
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Feb 10 2023, 11:53 AM
Show posts by this member only | IPv6 | Post
#127
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Senior Member
1,275 posts Joined: Nov 2007
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QUOTE(TheEvilMan @ Feb 10 2023, 11:51 AM) no, thats why i ask how to get flexing level card without high income Got another way.. Take other ppl one to take pic  This post has been edited by Davez89: Feb 10 2023, 11:53 AM |
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Feb 10 2023, 12:11 PM
Show posts by this member only | IPv6 | Post
#128
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Senior Member
1,009 posts Joined: Mar 2019
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QUOTE(TheEvilMan @ Feb 10 2023, 11:51 AM) no, thats why i ask how to get flexing level card without high income Get a preferred sub card from your parentsUr parents got 250k? |
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Feb 10 2023, 12:13 PM
Show posts by this member only | IPv6 | Post
#129
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Senior Member
675 posts Joined: Nov 2011
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QUOTE(Boomwick @ Feb 10 2023, 12:11 PM) Get a preferred sub card from your parents nopeUr parents got 250k? |
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Feb 10 2023, 12:15 PM
Show posts by this member only | IPv6 | Post
#130
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Senior Member
1,009 posts Joined: Mar 2019
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QUOTE(TheEvilMan @ Feb 10 2023, 12:13 PM) nope Then you can go take a pix of other people card and print out and laminate in on top of your credit card to flex loHahahahha |
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Feb 10 2023, 12:20 PM
Show posts by this member only | IPv6 | Post
#131
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Senior Member
675 posts Joined: Nov 2011
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QUOTE(Boomwick @ Feb 10 2023, 12:15 PM) Then you can go take a pix of other people card and print out and laminate in on top of your credit card to flex lo Maciam best, i try tonightHahahahha |
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Feb 11 2023, 01:10 AM
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Senior Member
3,158 posts Joined: Oct 2013
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QUOTE(kons @ Feb 10 2023, 08:19 AM) sc worldmiles mc is just world mc. oic....tenkiubut it is not world elite mc some perks on priceless.com only can be bought with wem, but not wm QUOTE(kitzai @ Feb 10 2023, 10:49 AM) This is worst card ever apasal? ayam last time used to enter platinum lounge jer. Other than that, use it for recurring payment, earn interest for SC priviledge + accountYou can call to waive. It’s very worth also, I one year 5-7 times go lounges to eat, drink (wine/beer) and relax. Save thousands. |
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Feb 11 2023, 01:17 AM
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Senior Member
2,531 posts Joined: Feb 2009 From: Land below the wind
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QUOTE(Boomwick @ Feb 10 2023, 11:50 AM) U got 250k cash anot? Better bring 200k cash in a briefcase everytime u went out ..maximum flexingIf no also no use |
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Feb 11 2023, 09:01 AM
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Moderator
6,181 posts Joined: Oct 2004
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QUOTE(Boomwick @ Feb 10 2023, 12:15 PM) Then you can go take a pix of other people card and print out and laminate in on top of your credit card to flex lo for premium cards the third group of number is always 000x Hahahahha my hlb emirates wem is 0007, citi prestige is 0005 |
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Feb 11 2023, 09:13 AM
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Senior Member
4,050 posts Joined: Mar 2005
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QUOTE(abelyap @ Feb 9 2023, 12:44 AM) you are right. but the reality is that higher credit limit will typically end up with higher spending. If you want to buy business class ticket to somewhere for examplei cannot understand why bank want to give credit limit which is 2.5x of my monthly income. if credit limit within my monthly income, for sure can clear in time. |
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Feb 11 2023, 09:32 AM
Show posts by this member only | IPv6 | Post
#136
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Junior Member
235 posts Joined: Feb 2017
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QUOTE(MADReaLJL @ Feb 11 2023, 09:13 AM) If you want to buy business class ticket to somewhere for example can ask for temporary credit limit increase when needed.I do so when travel overseas |
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Feb 11 2023, 09:35 AM
Show posts by this member only | IPv6 | Post
#137
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Junior Member
451 posts Joined: Jul 2011 From: Finally... The Rock Has Come Back To Lowyat.Net!!!
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 Take this use instant from t20 become below b40but this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho |
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Feb 11 2023, 09:50 AM
Show posts by this member only | IPv6 | Post
#138
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All Stars
21,459 posts Joined: Jul 2012
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Bank don't give credit to the poor and credit unworthy. Some said; the more credit one has, the more credit worthy he is. Die with massive debts.
This post has been edited by icemanfx: Feb 11 2023, 09:52 AM |
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May 31 2023, 07:15 AM
Show posts by this member only | IPv6 | Post
#139
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Junior Member
143 posts Joined: Aug 2021
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Maybank visa infinite can’t enter golden lounge in satellite terminal. Sadding
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May 31 2023, 07:18 AM
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Senior Member
1,187 posts Joined: Nov 2020
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 nobut this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho only citi prestige means t20 in malaysia |
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May 31 2023, 07:24 AM
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Junior Member
911 posts Joined: Jan 2019
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QUOTE(rtk74 @ Feb 8 2023, 06:56 PM) Read ktard wrote visa infinite = T20 No need see credit card. Have 850k in account is already t1but this bank only need 60k/annum to be eligible sos https://www.alliancebank.com.my/cards/perso...inite-card.aspx RtK only use AMEX CC not Charge Card tho |
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