@jchong,
I did get an auto increase on my Citibank Clear Card from RM5k to RM6k. I wasn't officially informed and got that information from my monthly statements

It's been awhile since I got an increase though.

@raymond5105,
Isn't it good to earn more, even though u'll be taxed more?

Citibank recently increased my credit limit as well but it was a good 2 year lapse since the last upgrade. I knew about it when I logged into my Citibank Online system and a few days later the official letter came.

Paying more taxes is one of the drawbacks of earning more. And if you noticed, your maximum deduction (Tax calculation purposes) for EPF is only RM6K and then any extras is not counted - I think this is not fair as you are already paying a lot of taxes already at the end of the day.

10K income is paying average 13% of total income as tax.

Correct.Where got more than 20%.

@hye,
I haf to agree RM6k is ridiculous. I don't even need to bother with the rest of the receipts as my annual contribution to EPF oredi exceeds the RM6k figure! Find other ways to reduce taxes but hey, when we don't earn enough we complain we don't have enough. When we earn enough we complain about taxes !

U people are sure hard to please!

any 1 using pb master?how can i access to my online credit card statement,thanks

so tht's time when people will find ways to reduces taxes by buy PC, books, and etc etc

@vin_ann,
The same rule when women goes shopping during sales? Save more by buying more?! *grins*

On a separate note, I checked my DA statement and the points indeed are valid till 2010

Oh sorry for being a wrong info.Just check back on the guide,it's 13%.

You can call to customer service to request for the online credit checking.

Just received my credit card from Public Bank & got offer mail for free ACE Insurance coverage for 12 months.
The catch is, they can use the details inside the acceptance form for advertising or publicity as i read in their terms & conditions...
Should i accept the offer or decline it?

What's the sum insured?

100k...................

Which card has the best offer right now ?

Im gonna apply in August when im 21 ...

How much limit and offer do i get ? Workin for 3 years, got car loan, basic 2.2k and etc

Heard after get 1st card, its very easy to get 2nd and 3rd card onwards...

I assume you are not a university graduate ? So Direct Access credit card is not for you. Try CIMB Bank Mastercard. It is FREE FOR LIFE with NO CONDITION. A very good card and they regularly have promotion. You should have no problem getting the CIMB Bank Classic Mastercard.

Depends on your payment history, other banks might reject your application if you have very bad payment history with your first credit card. But usually people will apply several credit cards from different banks at once.

Hmm what is Direct Access credit card ?

What about the credit limit ? And how long term should i hold the card before they increase or upgrade to next level

i guess it's better to buy insurance from the agent, as there is some1 to serve you. while buying from bank, when the time u face problems, you need to call bank and you dun know how to claims the insurance. and worse, you need to do it during office hours.

you not yet get ur credit card already asked so many questions. shdnt you learnt to walk before you can run?

having a credit card is sound cool, but actually when u really own 1, its different story, u will enjoy using CC and keep spending.

I believe Direct Access credit card was a product of Southern Bank and it is reserved only for those with a degree or higher. Now that Bumiputra Commerce Bank and Southern Bank have merged, CIMB Bank is the bank that issuing Direct Access credit card.


Credit limit vary from cards to cards. It really depends on the bank too. Usually i hear the classic credit card holder credit limit is something like RM4k only.

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Added on May 10, 2008, 11:50 pm
May be he just wants to know what his options are and want to know more about credit card before he actually apply for one. In case you didn't notice, many other people who do not have any credit card came to this board and asked lots of question about it.


It's up to the individual. It the best if everyone treats their credit cards as charge cards.

This post has been edited by MilesAndMore: May 10 2008, 11:50 PM

Correct me if I'm wrong but Direct Access eligibility starts from income of RM36K per annum (They have no classic cards). His best bet would be CIMB Petronas cards I think.

The first page is a good starting point if one were to learn about credit card and wanting to get one for the very first time. But one need to put in effort as well to read the threads, if everyone comes in and take the easy way and just ask "What's the best credit card? Best in credit limit, rewards, etc ..." - then it defeats the purpose why this forum exists. I'm just being honest about this point, no offense to anyone.

The credit limit can go to as low as RM3K from what I heard. Seriously, any seasoned credit card user would say that using a credit card is all about the ability to control your own spending and avoid compulsion. If getting a very high credit limit is all one's target, I fear disaster could happen if one does not understand the responsibilities of owning a credit card.

This post has been edited by hye: May 10 2008, 11:56 PM

ya. 4k limits is common for fresh grad.
anyways, citibank is just gives 3k for fresh grad.

anyways, not many people treat their credit card as charge cards.

I'm still waiting for my Visa Petronas Card...really angry since i've already have a classic card...i just need it to be upgraded...i sent my application 2/04/08..more than a month already..last 2 week i called and they asked me to call back last friday..the guy said that he will make a report and escalate this matter..but last friday i called same thing happens...they asked me to call back another 2 week and they will escalate this matter..