This is actually a trend that has been in existence for quite some time. We are beginning to see more and more people conscientiously choose to use a credit card that is from the store they oftentimes shop back.

There are several benefits associated with this that we will discuss as follows.

How Difficult Is It To Actually Apply For Circuit City Credit Card?

Fortunately, the process to apply for circuit city rewards card itself is not very difficult. The most important aspect is that you fill out the application that they provide you completely and truthfully. This is critical because you don’t find yourself in a situation whereby you are providing incorrect or incomplete information that could potentially delay a decision as to whether or not to extend you credit.

You may want to ask whether or not are there any discounts available to people who open up an account. The reason why is because you might find yourself in a situation where you can potentially save some money on a fairly large purchase by utilizing your new Circuit City credit card to make that purchase. This is yet another way that a lot of stores try to make it very easy and compelling for people to open up a credit card account with them.

How Do You Actually Collect Points That Can Then Be Redeemed At The Store?

One of the easiest ways to take care of the issue of collecting points us to make sure that you always use your Circuit City credit card when you go shopping. This is important because if you forget your credit card at home and use cash or some other credit card, you will simply not be able to take advantage of the benefits that go along with having this particular card.

In the final analysis, you need to make a determination as to whether or not you think you will shop enough at Circuit City to make having one of their credit cards worth while. For most people, this will not be a problem. The truth is, many things that are sold at the store cost a lot of money so it is more likely than not that you will find having this credit card could be incredibly useful for you.

To the extent the credit card is misplaced or lost, you can always have another Circuit City credit card provided to you at no cost because it is understood that from time to time cards of this nature will sometimes get misplaced or stolen.

Check out frequently asked questions about circuitcity.com credit card.

The truth is, the debate that has been taking place between credit cards and debit cards has been going on for quite some time. So the determination as to which of these cards is best you something that we are going to talk about right now.

The very first consideration relates to the fees that are typically associated with a Disney rewards credit card. Because it is a credit card, any unpaid balance will incur interest charges. The reason why that is so important to understand is because you don’t find yourself in a situation where you are surprised to see that there are potential charges when you get your statement at the end of the month. By comparison, the Disney rewards debit card will typically take money directly from your bank account. That means you will have no balance and there will be no additional fees.

How Easy Is It To Apply For The Credit Card Versus Debit Card?

Many people oftentimes assume that it will be equally difficult to apply for either Disney rewards credit card in the Disney rewards debit card. However, that is not true. Generally speaking, more scrutiny will be placed on people applying for the credit card given the fact that credit is being extended.

On the other hand, you Dean needs to have sufficient money in your bank account if you want to take advantage of the debit card. So which is right for you? This really depends on a lot of variables. More often than not, the best way to figure this all out is to read all the fine print to make a determination as to which is best for you.

Is It Possible To Potentially Take Advantage Of Having Both Cards?

The simple answer to this question is that some people do choose to have both a Disney rewards credit card as well as having a Disney rewards debit card. Does that make sense? It really depends on the person. More often than not, many people believe that having both is unnecessary given the fact that one will give you everything you could be looking for.

In the final analysis, if you happen to be somebody who is interested in having a Disney branded credit card or debit card, it certainly doesn’t hurt to shop around to see what kind of special deal you can get. The truth is, one or both of these options may be more suitable for you than any of the other options that are out there. It really does depend on a variety of different factors.

The American Express credit card

American Express credit card have been around long enough that, the American Express Credit Card Company knows what kind of fees are going to be feasible for the average person to be able to afford with out going into credit card debt shortly after they receive a credit card. The American Express credit card has a variety of different types of credit cards so that everyone would find a credit card for all their needs.

You are able to apply for an American Express credit card for the individual person. When you start to look at the different personal American Express credit cards you are going to see more than just one kind of credit card that you are able to use.

You are going to see that the American Express credit card offers you to have cash back, traveling, and even a savings award. You are going to want to have an idea to what you are looking for in a credit card from American Express. That way there you are going to have an idea of what you are wanting in return from the use of the credit card.

The American Express credit card also offers a credit card for the small business owners that are out there as well. With the small business credit cards, the business owner can enjoy American Express’s many benefits. The American Express credit card even offers rewards for the small business owners just like the credit cards for the personal solutions. You can receive a credit card with cash back, airline awards, travel and shopping rewards. You are going to be able to choose credit cards that will suite your company in the best way possible. They do even offer credit cards with no pre – set limit, low introduction APR, complimentary first year, and no annual fee for the small business in the country.

When you are looking for a credit card for yourself or for your small business you may want to check out what the American Express credit card has to offer you. There is a couple of different kinds of credit cards that are offered through the American Express company offering you a credit card that is going to fit all of your needs as for as the use and fees of a credit card has to offer.

If you are going to choose to apply for a credit card from the American Express, you are even going to know that you are going to choose a company that has a history of over 150 years in service. That would help you feel a little better about choosing a credit card company that has a steady history that they are not afraid to share with anyone.

The MBF Ladycard is the only card for Female come with free health insurance for all female card holder. Other than the free health insurance program MBF ladycard also incorporated with additional benefits for women such as beauty, shopping, travel and children’s education.

The card are teamed up with Estee Lauder and Oasis Beauty & Spa to provide discounts and privileges for beauty and fitness program and at least 17,000 merchants to provide special discounts to all female that are MBF Ladycard members at their outlets.

With the MBF LadyCard Exclusive Health Privileges, The key Benefits for female will be include free health insurance coverage for critical illnesses, a free women’s health check-up programmes, discounts for shopping, beauty and fitness programmes as well as women cancer detection and clinic.

1) Free Special Female Cancer Insurance coverage for critical illnesses (A lump sum of RM 15,000 upon diagnosis of breast cancer for Gold and RM 10,000 for classic card. Special reimbursement of medical expenses for breast reconstruction of RM 3,000 for Gold lady card and RM 2,000 for lady classic card)

2) Free Special Female Health Check insurance Program (Path lab- 2 Tumor Marker tests for MBF ladycard Gold card and 1 Tumor Marker test for MBF ladycard classic. Nilai Cancer Institute- 30% savings on well person’s blood screening program)

Tagert Market and income requirement:

• Lady classic card come with orange silhouette – target for female graduates coming into the workforce. with minimum monthly income of RM1,500 and above.
• Lady Gold Card come with black background and gold silhouette – special for successful women with income more than RM3,000 monthly.

Credit Limit:

• RM2,000 ~ RM10,000 for Ladycard classic.
• RM10,000 or more for Ladycard Gold.

Treat yourself to life’s little pleasures with the Female only MBF LadyCard, the card that offers an exciting array of privileges and discounts tailored just for women like you.

Use it at over 30 million establishments worldwide and you’ll also enjoy exclusive benefits like free health insurance & checks and complimentary insurance coverage.

For further enquiry or applications of this choice credit card, please email us at mail@creditcard2u.net for your interested!

In others word, if you have purchases items payment reach RM500 per transaction or more than that, the credit card payment will automatically convert into 12 months flexible easy payment installment plan. With this immediate credit flexible easy payment installment feature you will have greater savings for low interest payment per month and you can easily save your credit card interest upto 8.12% per annual without guilt

Its too Easy, convenience, hassle free, you can control through the automatic Flexible easy Payment plan for your expenses more effectively and you do not have to worry whether to spend at the selected outlet.

Note:

1. Automatic Flexible Payment Plan (FPP) – Min purchase: RM500 will automatic convert payment into 12 months installment at interest rate 9.88% per year.
2. Easy Payment Plan (EPP) – Min purchase: RM1000, will enjoy 0% interest Installments for up to 12 months -In 6, 9, 12 month.

The Citibank choice card not only provide you immediate credit flexible easy payment installment feature, coupled with the free for life annual fee waiver, allows the Choice card to meet a long unfulfilled demand of Malaysian customers.

Note:
The annual fee waiver for life as long as if you swipe for x2 time at any amount (RM5 will be charge per month otherwise else).

You can access to privileges worldwide make this Choice card a must-have for discerning consumers who are prudent and seek value for money. Enjoying great saving, Exclusive offer & daily instant discount and Earns evergreen rewards point.

Again, Supplementary card will be Waived 100% for all applications to the choice card principle holder. Up to 9 supplementary cards, Spending on supplementary card also counted as swipe condition:)

Additionally, here is the summary of Citibank Choice credit card Rewards Program: 

• Per transaction in blocks of RM50.00 = 50 points (*evergreen)
• Eg Transactions of 3 x RM40=0 pts, 1x RM90=50 pts, 2 x RM160=300 pts
• Retail purchases only, none for cash advance, Balance Transfer, LOP
• Redeem from over 200 reward items (except AF waiver, air miles)
• Value for money on every $$$ spend on retail purchases.
• Earn evergreen points.

In overall, This choice credit card is the only one of its kind in Malaysia as it enables value conscious customers to get more control of their credit card payments with the automatic Flexible easy Payment Plan feature:)

Target Market:
Min aged 21

Annual Personal Income:
Must be at least RM18,000

Credit Line:
Min: RM3,000 Max: RM45,000

For further enquiry or applications of this choice credit card, please email us at mail@creditcard2u.net for your interested!

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Enjoy 24 hours a day, 7 days a week, 365 days a year of Platinum-styled dedicated customer service and 24 hours Concierge service that rises above the rest.

Malaysia alliance visa platinum card is a Worldwide Acceptance & Recognition with below platinum card benfits for card holder:

• Interest-free period up to 50 days
• Timeless Bonus Points program where your loyalty points of your platinum credit card never expire
• Flexible payment option
• Commission-free Traveller’s Cheques, Demand Draft & Cashier’s Order
• Timeless Bonus Points with no expiry (RM1 = 1 point)
• Cash advance up to 75% of available from your platinum card credit limit
• 2X Timeless Bonus points awarded for overseas spending charged to your Alliance Bank Platinum visa credit Card
• No lost card liability upon immediate reporting
• FREE Travel Insurance coverage up to RM1,000,000 including purchases for family members* charged to Alliance Bank credit card (*Spouse & children up to 23 years of age)
• Travel Inconvenience Insurance for flight delay, misconnection, baggage delay & baggage loss up to RM3,200
• FREE 1st hour parking at Alliance Bank Privilege Banking Centre, Menara Multi Purpose, Capital Square K.L.
• Personal financial services (e.g. privilege to apply for an overdraft facility subject to the Bank’s approval)
• Enjoy High credit limit up to 3~4 time of income
• Personal concierge services (e.g. travel, entertainment services, etc)
• Air Miles via Enrich Rewards Program (with Malaysia Airlines)
• Commission free traveller’s cheque, cashier’s order and demand draft
• Specially tailored Platinum visa credit card privileges and reward program

Target Market:
21-65 years old

Annual Income Require:
Min income RM120,000

Credit Line of alliance platinum credit card:
Upto 3 to 4 time of your annual income

Annual Fees:
RM438 principle and waiver for all Supplementary.

For further enquiry or applications of this alliance bank platinum credit card, please email us at mail@creditcard2u.net for your interested!

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It’s giving cash rebate up to 2% for silver cash back credit card and the Gold card that automatically gives you up to 3.88% in cash back rebate on all your purchases anytime, anywhere!

The features & benefits of Silver cash back credit card.

1. Get a better cash back rebate up to 2% on any purchase with Citibank Cash Back Credit Card and get Instant rewards, receive cash every month Value for $$$.
2. The Cash credit card rebate rate based on outstanding the amount of carried forward balance for the month. Gives higher cash back rebate rate to help in lower the outstanding balances. You will enjoy and earn better cash rebate with higher spending.
3. Enjoy exclusive dining privileges & discount at over 500 dining places nationwide, get great saving & discount nationwide.

A Simple example of cash back credit card rebate payout:
Get RM 5 min to RM 1,000 max cash back rebate per year:

Target Market:
Working adults aged 21 – 40 years

Annual Personal Income:
Equal or more than RM 18,000

Credit Line:
Min: RM 3,000 Max: RM 15,000

Annual Fee:
RM 90

The features & benefits of gold cash back credit card.

1. Get up to 3.88% cash rebate on purchase with Citibank Cash Back Credit Card, enjoy and earn even better cash rebate on all purchases.
2. Gold Travel – Travel arrangement, insurance & privileges at no extra cost – Dedicated Travel Hotline and Sign & Fly Insurance coverage.
3. Gold SOS – 24 hour roadside assistance – No worries on emergency car break-down even mid-night.
4. Gold Pleasures – Up to 50% discounts on shopping and dining with CWP – Special discount for gold cash back credit card holder.
5. Gold Finance for credit line increases after 6 months for your gold cash back credit card – More financial flexibility and higher spending power.

A Simple example of Gold cash back credit card rebate payout.
- 3 tiered cash back rates, based on card opening balance
- RM 10 min to RM 1,000 max cash back per year

1) Your previous statement balance less all payments in your current statement
2) Spending means retail and cash advances (excluding fees and charges) less all credit entries (excluding payments)
3) Month means a period of 1 month calculated from one statement date to the next statement date
4) Cash back earned and reflected in the current statement will only be automatically credited into your account in the following month

Target Market:
Working adults aged 25 – 45 years

Annual Personal Income:
Equal or more than RM 36,000

Credit Line:
Min: RM 5,000 Max: RM 45,000

Annual Fee:
RM 195

For further enquiry or applications of this card, please email us at mail@creditcard2u.net for your interested!

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The power of ready cash is immeasurable. The only credit card cash advance with 0 cash advance fee to use as you please, whenever, wherever. It’s convenient! It’s a contingency measure. It gives you control with 0 cash advance fee & low interest visa rate . Never before has it been so easy to access extra cash drawing credit card cash advance with 0 cash advance fee.

So, whenever the need arises, you can also write a check or make an credit card cash advance withdrawal at ATM. Citibank Ready Cash checks are welcome wherever checks are accepted in Malaysia. What’s more, you can also use your Citibank Ready Cash low interest visa card for retail purchases at over 24 million Visa merchants around the world.

Features & Benefits:

• Up to 100% of credit line for the credit card cash advance withdrawal – Enjoying better control over cash flow.
• 0 cash advance fee and its the only visa credit card let you enjoy such a great saving.
• Low interest visa – Save more with lower interest rate charges at 1.25% per month for cash spending.
• High credit line – Extra financial flexibility with more credit line to enjoy -up to 3 times highest of your salary.
• Power of extra cash – Cheque book access to cash – Convenient, 24-hour access to cash – Contingency measure for big ticket purchase, example car installment and/or merchants without credit card terminal.
• Extra cash at hand.

Target Market:
Working adults (majority self employed) aged 31 to 40 years.

Annual Personal Income:
Equal or more than RM36,000

Credit Line:
Min:RM5,000 Max:RM250,000

Annual Fee:
RM 120

For further enquiry or applications of this card, please email us at mail@creditcard2u.net for your interested!

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The following are features and benefits for the free bill payment service with citibank credit card:

1) Consolidation of recurring household bills payments into one account - automatic bill pay on time, every time, One account, one payment date.

2) Convenient & Hassle free - No queuing at payment counter for all your household bills or automatic bill pay instead of sending cheque.

3) Uninterrupted billing - The bill payment services system Charge automatically, No worries of all household bills, extra peace of mind.

4) Rewarding - Still earn credit card rewards points or cash rebate while enjoy the bill payment services by automatic bill pay for your household bills.

Simple & easy to apply

• Just a phone call to CRT team or Citiphone.03-2383 0000(Kuala Lumpur), 04-296 0000(Penang), 07-268 0000(Johor Bahru)
• No form to fill
• No documentations required.

List of Bill Merchants for Citibank one bill payment services:

• Telekom
• TNB
• Maxis
• Celcom
• ASTRO
• Digi
• DBKL
• MPS (Selayang)
• MPSJ (Subang Jaya)
• MPPJ (Petaling Jaya)
• MPSA (Shah Alam)
• MPAJ (Ampang Jaya)
• MPK (Klang)
• MBI (Ipoh)
• MPSB (Seberang Prai)
• MPPP (Pulau Pinang)

Or executes CITI MOBILE BILL PAYMENT SERVICEs instead:

Pay your household bills via sms from anywhere or anytime of the day. One time registration and you will receive sms reminder when any of your household bills is due. To pay, you just sms PAY and send to 36700. To register, call Citiphone or Go to Citibank online.

Free service to all customers. (Normal telco charges will apply when you send sms to pay your household bills).

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It is the only Citibank credit card that lets you talk for less with Celcom Malaysia. It allow you to get cash rebates and earning extra rewards points each time you use your phone or citibank celcom credit card.

Key Benefits and Features:
Incredible Saving ( 5% + 5% Cash Rebate) :

• Enjoy cash rebate on postpaid plan & CELCOM total bill  5% cash rebate on postpaid plan
• 5% additional cash rebate on CELCOM bill for payment made through CITIBANK One Bill

Special Rewards Program :

• RM1 = 3 reward points for CELCOM bill payment via Citibank Celcom credit card
• RM1 = 1.5 reward points for non CELCOM purchases using the Citibank celcom credit card

Zero Entry Cost :

• New CELCOM Malaysia Subscriber – Waiver on upfront payment fee (1 month plan rate) and Waiver on connection fee RM50.
• Existing CELCOM Malaysia Users -Waiver on switching plan fee, RM 10
• New Citibank Credit card Customer  -1st year annual fee waiver

Greater Payment Convenience :

• CITIBANK One Bill Service, ensure timely payment of bill SMS reminder on mobile phone bill with payment option

Protection :

• Free Celcom SIM Card Rescue Service, RM36 p.a.
• Free Celcom SIM Card replacement, RM 50
• Zero lost Citibank Celcom card liability, 1 hour card replacement by Citibank

Redemption Program :

• 5,000 Reward Points (Valid for 6 months) – 1,000 SMS (Celcom to Celcom) or 300 SMS (Celcom to other network) or 4,000kb Internet Browsing or RM 25 cash rebates on phone bill
• 2,000 Reward Points (Valid for 3 months) – 300 SMS (Celcom to Celcom) or 100 SMS (Celcom to other network)

Privileges :

• Citibank World Privileges, 25000 merchants worldwide
• Easy Payment Plan
• Advance Loan On Phone
• Balance Transfer
• 24/7 Customer Services
• FFL Supplementary Card (2 cards)

Target Market:
Core Target 29-35. Individual mobile phone users

Annual Income Require:
Min income ; RM 18,000

Citibank Celcom Card Credit Line:
Min: RM 3,000 Max: RM 45,000

Annual Fees for Citibank Celcom Credit card:
Basic=RM 90, Supp=RM60 (First  2 FFL)

For further enquiry or applications of this card, please email us at mail@creditcard2u.net for your interested!

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Key Benefits & Features:
Free Flight -

• Earn up to x2 AirAsia evergreen rewards points (never expire).
• Redeem flights, fuel surcharges & more valid for over 80 routes across Asia even on lowest fares.

Priority Bookings -

• Be first in line for flights bookings ahead from non card members during AirAsia Sales at airasia.com

Special Fares -

• Enjoy Special fares and holiday packages not available to others.

AirAsia Gold Credit Card -

• Get 24-hours Gold-On-Call-Assistance for: Gold Travel, Gold SOS, Gold Pleasures, Gold Finance!
• Charge your flight to your Gold card and get free travel insurance of up to RM500,000.

Note: Silver AirAsia card will not receive any Travel protection or sign & Fly insurance. 

Here is how you earn the AirAsia (AA) Points:

-Your previous statement balance less all payments in your current statement.
-Spending means retail purchases (excluding fees and charges) less all credit entries (excluding payments).
-Month means a period of 1 months calculated from one statement date to the next statement date.

1) Every RM1 Spend earns you 1 Air Asia Point.
2) Earn additional 1 AirAsia point for every RM1 spend if you have an carried forward balance of RM2,000 and above.
3) AirAsia points are evergreen – they will NEVER expire.
4) The maximum Asia points you can earn is capped at 200,000 per year.

Target Market:
Working adults aged 21 – 40 years

Annual Income Require:
RM18,000 per annum (AirAsia Silver) & RM36,000 per annum (AirAsia Gold)

Credit Line:
Min: RM 3,000 Max: RM 80,000

Annual Fees:
RM70 (AirAsia Silver) & RM180 (AirAsia Gold)

For further enquiry or applications of this card, please email us at mail@creditcard2u.net for your interested!

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Exclusive offers for AirAsia-Citibank Gold, Citibank Platinum and Citibank Gold credit card members only!

These fully reclinable leather seats offer you ample leg space to stretch and sprawl for a comfortable journey so that you stay refreshed en route to your holiday destination.

Note: Flights are operated by AirAsia X and Fly from LCC Terminal, KLIA, Kuala Lumpur.

DOUBLE THE FUN SPEACIAL:
Book your XL seats now and enjoy exclusive dreamword and white water world theme part offers with your XL seats to Gold Coast, Australia.

1. AirAsia-Citibank Gold and Citibank Platinum credit card
- Buy Dreamworld tickets and get Free second day to WhiteWater World (within 14 days from first visit).
- Dreamworld admission rate (valid till 30 Nov 2008).

2. For Citibank Gold credit card members:
- Enjoy a 20% discount on admission to Dreamworld, Gold Cost.

Email us at mail@creditcard2u.net for any citibank/local credit cards enquiry or applications!

1) 1 Year Fee Waiver for Citibank Shell Gas credit card.
2) Earn up to 5% rebate on Shell gas fuels.
3) Earn up to 1.5% rebate on everything else at the Shell gas stations.
4) Automatic Redemption against the next Shell fuel purchase in your statement.
5) Applications received between July 29 – October 14 with enjoy 30-day DOUBLE REBATES from issuance of card.
6) Double winnings for the Shell extended Tango Contest – Winners of the Shell Tango 1,000,000 KM contest will stand a chance to double their winnings if they are a Shell Citibank Card customer.
7) Introductory Acquisition Offer -Buy a GPS Navigation Device at a unbeatable price.

 

Customer to call GPS Bay S/B at 03- 9223 0223 for details and queries. Promotion will be valid until 28 February 2009 / While Stock last

Customer Proposition

Note: All rebate earned from Shell purchases and other purchases will net-off against your next Shell Fuel purchase in your statement. Minimum redemption amount is RM 20

Illustration 1 – Citibank Shell Gas Classic Credit Card

Illustration 2 – Citibank Shell Gas Gold Credit Card

Other Features

Email us at mail@creditcard2u.net for further enquiry or applications.

If you have been using this cards some time, share your experience or comment it in this post