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 CREDIT Card Thread v2, Everything about the world of plastic

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fruitie
post Jan 13 2008, 05:27 AM

Rise and Shine
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Hello all, I am new to here. Currently having two VISA cards from Public Bank and Citibank respectively, to be specific both are supplementary cards provided by my sister. As I am still a student and not working, can't apply one for myself. smile.gif
She told me that she wanted to cut off the Public Bank CC and replace me another one with higher credit limit, as my credit limit for PB is only RM 3k, sometimes not enough to pay for one semester tuition fees. sad.gif
Citibank has slightly a higher credit limit but she wants to get me 2 cards for emergency purpose and for this new card, I plan to get MasterCard instead. Any bank that can recommend to me? With lots of benefits and free gifts? laugh.gif Typical Malaysian I am. blush.gif

Thanks in advance, so that I can let my sister knows and she can apply for me. biggrin.gif
fruitie
post Jan 13 2008, 01:46 PM

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QUOTE(hye @ Jan 13 2008, 08:23 AM)
What benefits are you looking for ?  blink.gif I suggest you forgo the free gifts part and stick to the main objective which is to get a good card for yourself. If a bank (Won't disclose which bank) give you generous sign-up gifts (maybe up to RM500) and an additional RM50 voucher after approval but customer service so-so only + charges extra fees for overseas spending - would you still want to apply? Even a higher credit limit objective is a better pursuit than free gift - be more realistic my friend.  whistling.gif

Foreign banks would be better as compared to local banks.
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laugh.gif Higher credit limit, not determined by me, my sister will do that, of course she has to control me too. wink.gif
Thanks for the reply.

This post has been edited by fruitie: Jan 13 2008, 01:47 PM

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