You reply seem to generalise all CC uses this method... Some cards come in courier..some normal mail.
Activation is also depends on the bank which issued it.

And my mom got her HSBC Amanah credit card via POSLAJU.

Just to give an update. My attempt at using SCB Just1 to make payment at a restaurant in KLCC failed this afternoon. While giving my cc to the waiter, I kept reminding him to select credit function. As I was in a hurry to go to other place, I ended up using my Alliance to settle the bill. It looks like most retailers are inexperienced and not trained to handle this cc.

That sounds a bit discriminating.
Why is there a double standard against classic cardholders? Anyway, since I started using CCs 10 years ago, all my CCs were sent to me via courier service, the only exception being a pre-approved cc from DA.

hey guys, im noob here. just wanna ask few questions. i wan to apply a CC just for petrol but a month roughly i pump MYR180 only. which CC should i take? but my salary <<<MYR2k. how??

been using scb justone for about 2 weeks ... n it sucks ... even my supp card havent received ... after i called the cs last 2 days ... she said the supp cc havent send out yet

for petrol no prob coz i punch the option ... but i encounter a few problems for other transactions...

1) used at a restaurant , the waiter say rejected ... i ask him to choose cc coz this card is 2 in 1 ... try again ... also can go thru ... he say it auto reject ... he din even c any option given then he say might b their merchant machine was outdated as it was used quite long

2) used at comp shop ... almost same as problem 1 ... put in cc ... he say cant go thru ... the machine say chip error

3) used at a minimart ... this place run by korean so their r familiar with this cr or dr option ... i din say anything but once she saw the option she asked cr or dr ( shud haf more of these ppl ) ... i said cr ... c she punch tht option ... card rejected try a few times onli go thru

make me felt more n more annoying ...

thanks for ur reply. urm i think my question not very clear.. what i want is a credit card. and use for mostly only for petrol. and maybe in 2/3 months sometimes buy shirt, restraurant & others. and also for emergency use.

do u think i will get a CC? with salary <<RM2k. if can which CC to take?

CIMB Direct Access is one of the best option for you. your salary must be more than RM1.5k per month for any CC. look at their website and you can apply through email

Personally I don't really think cashiers would bother with the bank/issuer. As long there's a MasterCard/Visa logo there, they'll accept it anyways

Only thing is when there's CIMB promotions, you might encounter certain cashiers who don't know DA is issued by CIMB and thus enjoys the same privileges

on your blog u wrote UOB Classic is free for life however my isn't as it also requires 6 swipes for each card to waive the fees

There have been many questions on Balance Transfer lately. I was damn free so did comparison on interest rate between banks.

Interested in Balance Transfer, read my comments in my blog below:

http://creditcardsmalaysia.blogspot.com/20...nd-balance.html


To summarize, Public Bank offers really competitive rates for Balance Transfer Plans

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Added on June 14, 2009, 11:52 pmBro, I mentioned automatic annual fee waiver lah and it is free for life as long as you swipe is 6 times yah

This post has been edited by Gen-X: Jun 15 2009, 12:09 AM

So far I have no problem using DA

I think it is just an urban legend that one must only apply for credit card from a reputable bank so you won't run into any trouble. ANZ Bank is big in Australia and New Zealand but many people do not know the existence of ANZ Bank in Malaysia and yet my friend had no problem swiping his card here or in other countries such as Hong Kong, Japan and even UK.

okie thanks. but Direct Access meaning? and wat is the pros and cons for this card? urm so <RM1.5k cannot apply CC?if ngam ngam RM1.5k? im really a noob for CC need some advise from u all SIFU..

Direct Access belongs to CIMB Bank. It was a brand previously owned by Southern Bank. You must be a degree holder to be eligible for any card issued by Direct Access.

Word of advice..own a credit card if you are able to pay within the spend...not to overspend on credit.

DA recognition issue has been being discussed over and over again. I admit that I did encounter the problem twice or thrice, having possessed the cc for 7-8 years before I terminated it early this year. Although recognition issue may occur depending on your luck while dealing with different retailers, DA is the easiet entry level for a fresh graduate to own a cc.

I am of the opinion that CIMB brand can now stand alone without using DA trademark. Should this turns into a reality in future, DA will become a history.

While sending your application to DA or CIMB, you may try your luck and apply for Alliance Younique. The entry level is as low as DA. On the plus side, your retail purchases can automatically reward you with 0.5%-1.365% cash rebate, on top of that timeless reward points are also given. However, you need to swipe the cc for at least 12 times in order to get the annual fee waived automatically.

p/s: I am not working with Alliance, I am not attached to any financial intitutions and I am not in finance field either.

Input on the method of delivery of cc as experienced by me in the past few months:

HSBC gold - Pos Laju (renewal)
Alliance platinum, Younique, Ikea friends - normal mail (need activation by phone)

I remember Citibank agents telling me their card activation equals swiping the card for the first time.

Hmm...banks seem inconsistency in sending CCs to customers. I received my Alliance Younique via Poslaju in end-Feb.

My Alliance bank visa came through normal mail only.. -.-"

Was at Petronas early this month as wanted to get Transformer T-Shirt and Cap for son and a sales girl approach me to apply for Maybank Petronas. The sales girl asked for "help" as it was already close to 7pm and she said she had no customer, so me being easily con filled in the application form. Today got the Maybank Petronas Visa Card via Post Laju. I guess since Maybank took over Amex, they would have my personal info and such I got the Visa from them so easily.

This post has been edited by Gen-X: Jun 15 2009, 12:57 PM