@TeraPox,
It's not like Ur gonna be utilising it. Also, I don't know how I can fully utilise my CL so all these 'unlimited' CL and 'no preset spending limit' doesn't tempt me.

true true~ hehehehe... my previous credit limit was much much more than enough...

@TeraPox,
muAHahAHhahAH.. I thought I read "My previous credit limit was much much much more than this"!!! *grins*

Citibank CC Gold...which one is the best? (the variations - Air Asia/Shell..etc)

@jep,
If U travel a lot via AirAsia then go for the AirAsia one, if U don't and want the petrol rebate then go for the Shell one.

There's no the best, there's only which one that is most appropriate for U.

@jep
need to read carefully oo.. citibank co-branding cc normally cannot waive the annual fee oo..

I was thinking to take the Shell one..since i travel more in a car...they said first 2 years free...next following years must swipe at least twice a month to avoid the yearly fee

@jep,
If that is going to benefit U the most then go for that Like I said, we each have different objectives and needs so onli we know which card is best for ourselves.

if i'm not wrong.... shell card rebates only applicable when u owe them money...means that they will rebate u AFTER they charge u interest leh... I'm not quite sure lar... read carefully...

@TeraPox,
If after 2 years they don't waive then do what U alwiz do; threaten to cancel the card

i don't have co-branding cards.. but normally if they dun waived the annual fee for me, i will wave at them..ahahaha...

@TeraPox,
Exactly. If U can do that, Y can't others?! And if enough people do just that they might reconsider not giving that waiver.

I think co-branding card story is abit different....


coz they need to share the annual fee with the co-brander...

so, they can't just waive the annual fee 4 u..

Wooo...really aa?...then a prompt payer won't get any benefit is it?

@jep,
Got.. Ur benefit is that U get reduced interest on finance charges. U also get some rebate on Shell and Other purchases except it's not as much as if U haf a balance at the end of each month

So which card should i choose to help 'reduce' the burden pak lah's imposed on me and all malaysians?..hehehe

none...most card that give rebate on fuel is too little to be noticeable

your 1 trip goto bank pay CC debt alredy gone the rebate

got!

go-kart~

hahaha..save more petrol than car

@jep,
Perhaps U could consider the Direct Access MasterCard? That gives U 2% rebate on all petrol purchases + it is free for life.

There're several co-branded CC with petrol brands.

I believe CIMB DA Mastercard gives the best deal since the rebate applies to all brands. You could supp to your family or beloved ones and earn rebate together.