Hi guys,

I found a good deal from 0% installment but i have a few questions to ask:

1. is there any hidden fee such as process fee, etc? if yes, how much is it?
2. Let say I buy an item at RM6000 (6000/12 = RM500 monthly) and my credit limit is just RM5000, do I eligible for this purchase?

thanks in advance.

Ok. thanks for the info.

ok, let say i bough an item priced at RM4999 and my credit limit is RM5000. So, I cannot use cc for fuel already until 2 years (after installment done)? Am I right?

Ok.. I got the point. ..

btw, which cc company and card are you recommend? Currently, I am applying for Petronas Maybank Visa. I am looking for another, Master Card card.

what is the cc that comes with no annual fee for life except petronas card? is there any other?

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Added on November 15, 2008, 12:23 am2nd question, let say i have a cc from maybank with credit limit 2k, and i apply for 2nd one, the credit limit is combined or different?

This post has been edited by Seng_Kiat: Nov 15 2008, 12:23 AM

I already request for maybank petronas card, normally how long it takes? is there any hotline that I can contact to know the status?

What is the other card that is free for life and not from Maybank? what is the card name? thanks.

how the cimb direct access card looks like? ..

I just got the job and applied for maybank petronas but the application been rejected .. . damn.. I fulfill the min requirement .. Maybe I do not have enough payslips (but I already gave the degree transcript and offer letter).

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Added on November 23, 2008, 2:39 pmlet say the form asking for gross annual income, and in my offer letter, there is a contractual bonus ... say my pay is rm3k per month .. should I put RM36k or RM39k gross annual income?

I also have fixed allowances such as transport and shift. It is not included OT that I work on public holiday. how should I state my gross annual income here?

This post has been edited by Seng_Kiat: Nov 23 2008, 02:39 PM

yup .. already applied for cimb da a week ago .. still waiting the status .. ..

i really disappointed with maybank petronas .. i was waiting for 3 weeks and know that my application been rejected .. ..

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Added on November 23, 2008, 3:26 pmyup .. already applied for cimb da a week ago .. still waiting the status .. ..

i really disappointed with maybank petronas .. i was waiting for 3 weeks and know that my application been rejected .. ..

This post has been edited by Seng_Kiat: Nov 23 2008, 03:26 PM

you need to earn at least 100k p.a for platinum card (apply for most of the card). CIMB DA is offering platinum card with min req 84k p.a.

btw, I am confuse with late payment charge. It stated "... enjoy interest free period 20 days from the statement date for all your retail purchases. If the preceding month outstanding balance has been fully settled."

Is it mean, I just pay for the amount I used if I settle within 20 days of the date in statement bill?

pm me if you want to apply for direct access credit card with free 2gb thumbdrive .. ..

what is the good thing about ambank true card (other than free for life)?

is there any other free for life cc (other than direct access, petronas cards)?