---

Added on August 19, 2009, 3:04 am
Hehe ... Because I am the eldest son in my family and if anything wrong,I cannot afford to lend money from ahlong,so I think better that I owe bank rather than ahlong so I better get money from bank.
I will , hehe .. HSBC tower just infront my office .. wee xD

Huh ? Your annual gross salary is less than RM18,000 ? Then you are not qualified for HSBC classic credit card either. In fact, if your annual gross salary is less than RM18,000, then you are not qualified for any credit card in Malaysia.

The other way to get a credit card is to pledge by Time Deposit (Fixed Deposit - FD). Among the banks that offer this are :
- Public Bank (RM10,000 of TD will get RM10,000 of CL)
- AmBank  (RM10,000 of TD will get RM10,000 of CL)
- HSBC (RM10,000 of TD will get only RM8,000 of CL)

I think you can also try with RM5000 with local banks.

If you walk in their branch and apply, 1 week u get the card.

Yes. There is a letter and agreement you need to sign. The agreement is printed on a thick green paper.
You can only withdraw your TD a month after you cancelled your credit card.

@outsiders_86,
Everyone has different experiences with the banks.  Personally, my quickest was HSBC; having applied for the card on Thursday and receiving the card in my mailbox the following Tuesday/Wednesday.

i'm interested to apply cimb islamic petronas since i pump petronas fuel regularly. Should i cancel my cimb islamic MC or just keep it.