The truth of the matter is, you will need several cards because no one card fits all.

I have:
1. RHB Travel Money because it gives me fuel rebate. 5% on 1st weekend and 2% other time. I fill up all my cars on 1st weekend.
2. SCB because it gives me 30 days purchase protection. I buy big ticket item with them for the protection. The last being a laptop.
3. EON. Because it's easiest to qualify for free. A deliberately low RM3000 limit card for use in restaurant and online purchases.
4. DA. My main free for life card with higher limit.

Purchase Protection

Your purchases are automatically insured when you use your Standard Chartered Visa Infinite
Credit Card. Purchase Protection assures you of a worry-free experience every time you make purchases with your Credit Card within 30 days from the date of purchase, with coverage of up to RM100,000.

Purchase Protection insurance is underwritten by MSIG Insurance (Malaysia) Bhd. For more details and Terms and Conditions, please click here.

http://www.standardchartered.com.my/person...l/en/index.html

I always use it for big ticket item. You never knows when you needed it. And since my SCB card is free, why not?

I think HSBC may have similar offering. Not sure.

This post has been edited by Optiplex330: Dec 3 2008, 09:49 AM

Another cc that I would not want to touch with a ten foot pole would be AM's. Terrible experience.

1. Bought a big ticket item and reaches end of credit limit.
2. Immediately deposited the full CASH amount for the item into CC.
3. Called up to same evening to confirm CASH received. They told me I have full credit again.

Went on holiday next day. Card rejected everywhere and almost have to sleep on the street because hotel wouldn't accept. Called up AM and they say even though cash received, their system needed a few day to update so meanwhile....too bad....there is nothing they can do. Sleep on the street if you have to.

This post has been edited by Optiplex330: Dec 3 2008, 11:57 AM

In all fairness, my terrible experience was before Internet and online becomes common.

But there is still no reason why they told me the evening before I went on holiday that I have full credit available. Available means USABLE and it is certainly NOT. To make matter worst, it was Christmas eve! And in a resort hotel far far away from town to be able to use ATM to withdraw money. Now you can understand why I would never ever use their card again.

But the lesson taught me 1 thing. Never leave home with just 1 card or cards from the same bank. Nowadays, it's at least 2 cards from different bank and different operator (Visa and MC). Who knows, may be Visa computer could be down and MC running or vice versa?

This post has been edited by Optiplex330: Dec 3 2008, 12:33 PM

Your experience aren't as bad as mine with EON on similar issue.

EON wanted to give me Gold or Platinum (couldn't remember) and I instead insisted on a plain Classic with lowest possible limit of RM3K. Because I am using that card for mainly online purchases and that limits my liability to RM3K should fraud occurs.

One time, I needed to temporary increase the limit. EON asked for lots of documents and I complied and they came back with an increase of RM1K. I told them to f*#k off.

But I still have that card because it's a VISA and very easy to qualify free card. If I could find another VISA with similar condition, I will get rid of the EON.

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Added on December 3, 2008, 3:53 pmMy cash deposit was done at their OWN bank branch and over the counter. So no reason whatsoever for the delay in updating. Oh....they said it takes 7 days to update. When I complained like hell, they did it in about 2 days but then, the damage was done.

This post has been edited by Optiplex330: Dec 3 2008, 03:54 PM

No such thing. Been using it for years.

King? You must be joking. They think you are fools to be taken advantage of. Been there. Done that. Worst card I ever come across.