Over the short-term, SCB Just1 is good. Once you have hit the RM600 limit, you can switch to other cc with cash rebates.

I have received SCB Just1 Titanium this late afternoon. I never expected SCB sent me the cc so fast, as I only received their SMS yesterday. I received 2 surprises when I opened the envelope. First surprise, the card looks simple but nice (little bit like World cc). Second surprise, the approved CL is 104% higher than my existing HLB and Citi Plat, and 325% higher than my Alliance!!! SCB is very generous in giving a high CL. Since today is Friday, I swiped the card at Petronas (full tank) and Modestos (happy hours).

The main source of income for banks is INTEREST. By giving you cash rebates and promotions, some people tend to spend more but not afford to make the full payment. SCB can always make $$$ from the interest charged for BT, outstanding balance, easy payment and cash advance, as well as late payment charges. Banks will always be the winners.

It is just a laptop with basic features. You may need to upgrade quite a bit for better efficiency. It would be better to do a market survey first before you purchase it.

When I received the Just1 card, I did not see the small long-shaped T&Cs booklet normally attached to a new cc. Only some brochures and a guide book are attached, but detailed T&Cs are not indicated in the guide book. Besides that, I can’t find a notice mentioning the participating petrol stations for cash rebate in the guide book and all the brochures in the envelope. Perhaps SCB has removed the notice to avoid confusion?

It ought to be via courier, viz. Poslaju normally.

According to some forummers here, Shell is not included. But I haven't tried at Shell yet.

Were you referring to CIMB/DA? I remember DA sent me a pre-approved Mastercard which I never applied for via normal mail. As for other banks I dealt before such as MBB, HLB, Citi, Alliance and SCB, all of them sent me CCs 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.

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.

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

It's 0.5%-1.365% rebate, subject to a max cash back of RM68.25 per month.

To enjoy waiver for AF, the cc needs to be swiped for a minimum 12 times of any amount per year.

I'm glad to hear that MBB has improved their service. They have been well-known for their inefficiency in processing cc application.

Cash rebate is applicable to all retail transactions, including purchases at petrol stations. If you spend RM10 per month only, your cash rebate @0.5% is 5 cents.

If you swipe the card <12 times per year, AF will be imposed. But you can ask for waiver, subject to approval from the bank. Please browse through the whole CC Thread for your knowledge.

AF = annual fee

If you ask me about the interest rate charged by cc, I am afraid I am not the suitable person to give you the answer! I may sound a bit offensive to others but this is my sincere advice. If you have the intention not to make full payment for the outstanding balance of your cc in the first place, please do not own a cc. Do not develop such a bad habit, especially something related to cc debts. That’s why I NEVER bother about interest rate given by any cc issuers for cash advance, outstanding balance, balance transfer and easy payment scheme. Btw, Alliance Younique provides 0% free interest for the 1st 3 months.

As for the AF, Alliance Younique is giving waiver for the 1st 3 years if you apply for the card before end of July’09. Should you swipe the cc less than 12 times in the 4th year, the AF will be RM148. You can request for AF waiver, but banks always have the final say.

You just have to fully settle your cc debt and your application can be approved then.

60k spent in Giant within a few months? I wonder what the most expensive stuff in Giant is. Besides purchasing electrical and furniture items, she's probably involved in F&B business which requires her to buy in bulk on a very frequent basis.

Please note that max cash rebate of SCB Just1 is capped at RM600 per year.

I tried to use this cc at both Shell counter and self-service terminal, but it failed. It has been confirmed that Shell doesn't recognise this cc for the time being.

It sounds great. Finally some Shell stations accept this cc. I've just pumped full tank at Petronas and purchased groceries for the whole week as I don't wanna miss the 5% rebate on Friday!