@siutimtim,
I don't see a need to proof to U I'm a UOB Platinum cardholder. I don't know about their offers because I don't bother checking - am also not a golfer so Y should I bother checking? I oredi said before about using Citibank as my primary credit card and that is still the case; I haven't moved away from Citibank yet.

I sure am glad/happy for U that ur a UOB Platinum cardholder `k - even if it's the ONE Platinum.

@mustang,
Amex has a different reward point system - if U want to be part of that, U need to pay an annual fee.

This post has been edited by tinkerbel: Jun 14 2008, 10:30 AM

Hi sifus, gor gor / jie jie around here.

Im reaching 21 in august this yr, and im thinking of getting a CC for emergency usage or perhaps lazy for going through a long queue infront of the atm machine.

What i want to ask is whether i will easily apply a CC successfully or with some problem? I've check all the requirements for applying, and i have qualify everything.

My wage is 1.7k each month, equal up to Rm20,400 p n. Which means i have qualify the requirements of applying CC with earning RM18,000 p n. But i heard my seniors told me that, at my age with that wage is not that easy to apply my 1st CC. Is that true? May i know what really causes that?

Besides, im hoping of getting RHb / Maybank's for my 1st CC. Which will be better in term of benefits ?


Hope u ppl here can assist me of going through everything.

As long as you can show them the pay-slip of 1.5K and above, you should get a CC from any bank easily. Unless you have a dodgy credit history which by the sounds of it, you are not old enough for that

If a bank refuses you for any reason, tell them you are going to close all your accounts and transfer to another bank. Then go to a shopping mall (or any public place) where they are all fighting over you to get you join up with them. RHB has actually been promoting quite a bit recently.

The next problem you are going to have after signing up with them is they keep wanting to increase your credit limit even if you don't want to. You just have to be firm and say no.

When I asked Direct Access for increase credit limit, they increase it and gave me an upgrade to Platinum as well. Not bad....

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Added on June 14, 2008, 3:58 pmI received my 2% rebate at the end of the billing cycle... promptly and automatically

Citibank Shell Card is practically holding all the rebates.. DAMN Citibank
I collected more than RM40+ still don't deduct...

This post has been edited by ronnie: Jun 14 2008, 03:58 PM

@kenneth87,
U need to be >21 before U can be a principal credit card holder so the moment U reach 21 U should be able to get one. I don't see a problem in u securing a credit card. As to MBB or RHB, go through their list of benefits for the card category ur applying for and ask urself which one's going to give u more benefits and go with that

Means, that i have no problem at all in applying a CC at all la? Thx vry much.

U all are so helpful. Next time when u all got chance in buying things from me, i'll give u people some discount. (out of topic)

@tinkerbel: You mean I can enroll in AMEX Membership Rewards point program as well for RM25 [Non-Traveller] using this Maybank Amex credit card? Will it replace the current Treat Point system from MBB?

It won't replace but I believe it'll run concurrently. MBB TP has no relationship with AMEX Membership Rewards.

@mustang,
AMEX Membership Rewards is a totally separate scheme from the MBB TreatPoints scheme. For RM25 [Non Traveller] U will also get to enjoy benefits offered by this AMEX Membership Rewards. I believe U will need to make a request to AMEX should U decide to participate in this program.

@David83,
Yup that's right. They're both independent of each other.

Has anyone redeemed Annual Fee Waiver from Maybank before? If yes, can someone show me how to do so?

oh..tht good.
im also got pump petrol using DA. now waiting the statement date to arrive then can see it.

btw, previously in Giant, DA / CIMB CC also offer 2% rebates. i brought in Giant and also able to see the rebates at the statement date. horey.

I just checked online and can see the 2% rebate off my petrol purchase.

For DA, does anyone know how the points are calculated? Is RM1 = 1 point?

RM 1 = 1 points. No points are awarded for petrol purchases.

the petrol rebate is only applicable for petrol rite? how about diesel?
are there any online sites which i can check direct access cc status? i submitted my application without my degree cert (i dont have it with me now), but i submitted proof that im a member of BEM and also a faxed letter from my uni that i graduated with a degree. will there be any problem?

a bit out of topic here, how much is shell V-power racing now?

You can't check online for your DA cc status. Call them up @ 03-6204 7878.
Shell V-power is now RM3.15 per litre.

so any good cC which have free for life like the DA card?? i already have the DA card, just waiting to look for one more card which is free for life like it

Maybank or CIMB petronas CC is your only choice.

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Added on June 15, 2008, 5:12 pmThanks David, so I assume the points also available for monthly bill payments as well right?

This post has been edited by Shinichi: Jun 15 2008, 05:12 PM

today just receive a email told mi that after every transaction at petrol station must remember to press clear....if not the petrol station staff can use our card to make another purchase.....wonder this is true or not?

coz i remember after we put down the pump receipt will cum out to complete transaction....


anyone can verify on this matter?

thanks.......

i think its not real... if not my cc would be long being used for unknown purchase...

1 is not enough?
basically, other CC is offering For For Life with some terms n conditions applied.
so it's not really a truly free for life.

perhaps, mayb you can try UOB One Platinium, it's need 6 transactions per year for Visa n master for each card.
e mail mostly can not believed 1. perhaps, you wan to try it?