So which credit card is best?

I am using the combination of Maybank Visa, Master and Amex. I use Amex whenever possible especially for petrol since it is 2x TreatPoints. Any place that does'nt accept Amex then I use either Visa or Master. A spending of RM4000 through Amex gives me 8000 points which I can change for RM50 Parkson voucher, and spending of RM8350 gives me 16700 points to redeem RM100 Jusco voucher.

I also have Public Bank Visa for backup when Maybankards are rejected for unknown reasons since I have never failed to settle in full, but RM4000 only rebate me RM12. So far when the Annual Membership is charged to my Maybankards, I just need to give them a call and they will waive it, no questions asked.

Previously I had Citibank also, but the service become lousy and arrogant, I asked for waiver, not given or given with all sorts of conditions, so I terminated.

All I can say is...there's no such thing.

don't you have to pay annual fees for the AMEX card?

What term and condition Citibank told you?

I agree with you. On this approach the reload is triggered is merely to protect the banks and TNG - it does not benefit the end users at all. Effectively RM50 is like a deposit as the system does not allow you to fall below the RM50 mark.

I like the system better when the card reloads when the amount falls below RM0 back then.

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Added on February 16, 2008, 11:15 pmI guess I'm luckier with Citibank. I used to redeem my points for annual fee waiver in the first few years of membership with them and then I tried my luck for an annual fee waiver and I got it ever since year after year.

Likewise - I called for waiver every year and they gave me. Occasionally they ask me to spend RM200 or so but this is not a problem since paying my bills alone is more than RM 200. My only complaint about them is the low credit limit and they gave me all sort of reasons to make the credit limit increase application difficult. I never had any problems paying my bills with them so very disappointed with this attitude.

This post has been edited by hye: Feb 16 2008, 11:17 PM

read THIS

from what i know from the CS, the current terms and condition for choice card is swipe 2 times within 1 year, then u can request for waiver.

how abt HSBC? is it easy to get waiver after the 1 year fee waiver period? is there any need to spend certain amount for the past 1 year to get the waiver for next year?

hi guys,
i seemed to have problems with my maybankard visa wave...for some unknown reason my card got rejected during approvals for payment...as far as i know i've never spend pass my credit limit...
say for example if my credit limit is 5k and i do a 5k purchase with 12 months installment...does it count as whole 5k purchase or 416.67 purchase every month? is this the reason y my card got rejected if i wanna made more purchses?

tht's considered as 5K purchase for my citibank experience. i guess Maybank also is the same.
bro, u have to put aside ur Maybankkard already.

thanks bro for ur info...i might check with the bank tomorrow morning to double confirm...now at least i know my card isnt spoilt....haha

Last year when i called HSBC for my Plat Visa annual fee waiver, the request was approved on condition i spend RM3K within a month. the previous year was RM2K only, wonder this year they would increase it?

As for annual fee waiver, today i called Hong Leong Bank to request for my Plat MC annual fee waiver and boy was i surprised that the guy approved it within a couple minutes. Previously my HLB Gold Card i had to fax in request.


can always ask for waiver like CC, i have not paid AMEX annual fees for more than 10 years.

This post has been edited by Gen-X: Feb 17 2008, 06:10 PM

I have a RM500 installment purchase on my Maybankard. Its not showing that amount, just the monthly installment. Check your statement for more info...I'm guessing different outlets work differently. But as far as I know, Maybank doesn't do the installment process. The shops are the ones doing the work.

no wonder they're giving free-for-life cards now. Fedup of people keep asking for waiver ady jk'

Tip 6 and Tip 7 seem to be contradicting...

how long does it normally take to get my application approved? they'll call me if it is approved, right?

anyone using standard chartered GOAL! card?

any review on it?

2 weeks or more usually. Less if you have another card in the same bank you're applying.

This is not so true for me. My application for Petronas-MBB Visa CC takes so long (reaching 2 weeks) even though I got MBB Visa Classic.

Assume credit limit rm6000.

You buy something rm6000, pay 12 mths at rm500

month CC_balance_available**
1 0
2 500
3 1000
4 1500
5 2000
6 2500
7 3000
8 3500
9 4000
10 4500
11 5000
12 5500
13 6000

** Balance available for you to swipe for other things

By month 13, you will have all 6k credit limit back.

e.g. if you want to buy 4k by installment again, you can't do it at month 8, as you have 3.5k credit limit only. However, you can buy in month 9. Then you 6k will fully used up again.

Hello guys,

I would like to apply for Maybank Petronas CC, but the problem here is that my Maybank savings account is not so active (since my primary account is CIMB).

Is there any possibility that my application will be rejected due tu my savings account is not that active?

Thanks