Hi guys,

I'm going to apply my 1st ever credit card in my life & I need yours advices to assist me in deciding which bank's CC i should apply. My criteria goes like this: low or nil annual fee, great customer service, near to my residential area so that easy payment to outstanding balance can be made, no hassle on internet transaction e.g. Amazon, paypal, etc and of course smooth transaction during international travelling.

My colleagues suggested me to apply for HSBC, any good? I'm also thinking of Public Bank as it's very near to my house, any good? Another question is that HSBC asks for Form J/EA, what exactly is that? Is it really compulsory? What if I don't have such applications? Sorry if it sound noobish because I just started my work barely a month.