If you don't use it too frequent then you should look for those cards that are free for life with zero condition. For instance, CIMB Bank Mastercard.

Consider the cash back cards since the points may expire if your usage is too low for any redemption.

some offer no annual fees.. online statement.. rebates..
one thing to consider.. viability of bill payment..

You like talking about how much you pay in income tax to other people is it ? I'm just mentioning that there're certain matters which ppl may find it private.

I think your statement is rude .... n it's my problem I think so. Watch your words.

Yes, it's a good move. I have two of such cards:

1. MBB Petronas Visa
2. CIMB DA Mastercard.

of all the credit cards, I choose Citibank for international and Public for local.

Citibank promotions rock and their service isn't bad too. Everything is through the phone

No need so serious,this forum only. If no like ask private thing I no ask lo

y no one share hsbc application experience here?not popular card ?

MBB Petronas Visa is only start from Gold?

This post has been edited by accs_centre: May 1 2008, 01:07 AM

Yes ... it's only Gold and Platinum. CIMB Petronas Mastercard is Classic, Gold & Platinum.

CIMB and Maybank's Petronas co-brand card, which one u think is better?

It's an individual preference my friend. Both are more or less the same but maybe you have a preference in mind that you like better than the other. Some prefer the M2U factor in terms of payment but if you ask me ... you can use GIRO interbank transfer to pay for the cc bill, so it doesn't matter if you don't mind the RM2 fee.

Right now I think perhaps the obvious difference is the processing time .... you could get the CIMB card faster than the Petronas card. And if you are using the card locally most of the time then shouldn't be a problem either way. Unless if you intends to use the card outside of the country most of the time then I'll suggest you to get a card issued by an international bank and consider VISA instead of Mastercard.

This post has been edited by hye: May 1 2008, 01:35 AM

I see Maybank one need to wait up to one month..So, CIMB one roughly how long is the wait time? TQ

Its true that the processing time for Maybank Petronas Visa takes about 1 month. This is because of the overwhelming response to this card. My insider source told me that till today more than 200,000 applications have been received.

I have never had any problem using my Maybank CC in Australia and Europe. However it is advisable to inform your bank prior to your overseas trip so that you dont encounter any embarrassing situation when trying to use your CC overseas. Your transaction may not go through if you fail to inform your bank.

Anyone heard the news that people that never pay off the old debts there will be no longer 20days grace period?

wad is 20days grace period?

Interest-free period.

agreed with u. i also have no problems when using my mum supplementary card when studying in Oversea. importantly, you have informed your bank.

the online tracker thingy is useless, i already know they processing my application since last 2 wks, coz they did call me to fax some other doc, but somehow the tracker thing til now is not working at all. it's better to juz directly call them and ask.

erm.....i apply earlier than my colleague who is sitting next to me. she got receive call fr them at office but mine no news at all. not sure whether is rejected or not as i haven call them to check my status yet.

This post has been edited by candy_chl: May 1 2008, 12:23 PM

sometimes, your luck is not there. mayb some where in the whole process got some mistake. just be paitient.

Ya definitely need luck.......my dat colleague manage to get her card already (both of us with same income as we'r still new in company). juz now called up HSBC.....gosh still working on labour day.....they say that my application was decline........i did ask them y........izzit the verification blablabla......but somehow he said actually no problem with my application (i guess he repeats dat for all case), and will file an appeal for my case.

Anyway, i already lazy to bother about this, after being rejected by citi and this HSBC...........just like wat u say depends on luck. just hope my DA and Ambank application will not end up like dat.

This post has been edited by candy_chl: May 1 2008, 12:51 PM