Credit card V8, Anything about it
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 Sep 23 2009, 10:55 PM
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Senior Member
4,051 posts Joined: Jan 2003 From: 槟城   
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Hi all, just got my DA statement today and it comes with DA application form. I can see in the form there state income requirements for gold card is 24k p.a.
Guess CIMB has lowered down the income requirements of this card? |
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Sep 24 2009, 03:04 AM
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Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya 
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it is already 24K long time ago..
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Sep 24 2009, 08:40 AM
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Senior Member
4,051 posts Joined: Jan 2003 From: 槟城
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QUOTE(arsenal @ Sep 24 2009, 03:04 AM) it is already 24K long time ago.. I see. Guess I'm outdated as I still think its 30k pa.   |
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Sep 24 2009, 11:08 AM
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Senior Member
1,202 posts Joined: Jun 2009
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QUOTE(winner @ Sep 23 2009, 07:13 PM) A photocopy of IC + 2 months of pay slips, shouldn't be a big issue for you, right? A lesson - do not apply for CCs, MBB in particular, from unknown sales agents. From the maybank website, it also stated that BE form and latest 3 months' savings account activity/current account statements are required. It is basically not a problem at all, using CCs issued by Malaysian local banks in overseas. In these recent 2 years for instance, I had swiped Alliance, HLB and DA CCs in China, India, UAE, Bahrain, UK, Belgium, Netherland, Thailand, Singapore, Indonesia and Vietnam. The only exemption being rejection on DA in 2 different occations (different years) in Thailand. But these actually happened a few years back. |
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Sep 24 2009, 12:53 PM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(jphlau @ Sep 24 2009, 11:08 AM) From the maybank website, it also stated that BE form and latest 3 months' savings account activity/current account statements are required. You need not provide ALL as mentioned. It's bullshit. Besides IC, you only need to provide a photocopy of your cc which is more than 12 months. If your existing cc is less than 1 year, you can then provide 2-month pay slips to support your application. |
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Sep 24 2009, 01:34 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(winner @ Sep 24 2009, 12:53 PM) You need not provide ALL as mentioned. It's bullshit. ya. agreed. Besides IC, you only need to provide a photocopy of your cc which is more than 12 months. If your existing cc is less than 1 year, you can then provide 2-month pay slips to support your application. is u tell the agent what you have, not the bank tell you what is needed. |
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Sep 24 2009, 02:00 PM
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Senior Member
4,094 posts Joined: Jan 2003 From: USJ
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QUOTE(vin_ann @ Sep 24 2009, 01:34 PM) ya. agreed. hopefully that's the caseis u tell the agent what you have, not the bank tell you what is needed. btw, has anyone here successfully applied for DA or CIMB using existing CC b4? |
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Sep 24 2009, 03:06 PM
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Senior Member
2,854 posts Joined: Feb 2006 From: Sri Petaling ~ Kuala Lumpur
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QUOTE(winner @ Sep 24 2009, 12:53 PM) You need not provide ALL as mentioned. It's bullshit. Good to heard that,if my cc less than 1 year,I just provide them 2-month pay slips to them Besides IC, you only need to provide a photocopy of your cc which is more than 12 months. If your existing cc is less than 1 year, you can then provide 2-month pay slips to support your application. ~ |
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Sep 24 2009, 03:46 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(jphlau @ Sep 24 2009, 11:08 AM) From the maybank website, it also stated that BE form and latest 3 months' savings account activity/current account statements are required. It is not recommended that you expose your other bank account details to Maybank. I ignored this when i helped my mom to apply for Maybank AMEX Gold and then Maybank Ikhwan VISA last time but still both credit cards were approved.This post has been edited by MilesAndMore: Sep 24 2009, 03:48 PM |
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Sep 24 2009, 10:42 PM
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Junior Member
132 posts Joined: Jun 2008 From: Kota Kinabalu,Sabah 
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if they checked that i doesn't have any bad credit background (which i believe its clean), then 100% successful to get a card rite.
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Sep 24 2009, 11:29 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(alexwsk @ Sep 24 2009, 02:00 PM) btw, has anyone here successfully applied for DA or CIMB using existing CC b4? Some here had. I believe it was GHz.QUOTE(changjie83 @ Sep 24 2009, 10:42 PM) if they checked that i doesn't have any bad credit background (which i believe its clean), then 100% successful to get a card rite. Not really. They will also check on if you have any existing mortgage or hire purchase just to check on your overall credit exposure. Your existing credit card might affect the final decision of the bank whether or not they will approve you a credit card. Someone here have repeatedly saying that Public Bank declined his application for a VISA Platinum credit card which he later found out from someone else that Public Bank will not approve any credit card to anyone with 6 or more active credit cards. This post has been edited by MilesAndMore: Sep 24 2009, 11:30 PM |
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Sep 24 2009, 11:49 PM
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Senior Member
1,139 posts Joined: Nov 2008
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QUOTE(alexwsk @ Sep 24 2009, 02:00 PM) hopefully that's the case btw, has anyone here successfully applied for DA or CIMB using existing CC b4? QUOTE(MilesAndMore @ Sep 24 2009, 11:29 PM) Some here had. I believe it was GHz. No, its not me . I apply for my CIMB card through an income documents. The credit cards that I apply through existing cards are Affin/Alliance/Bank Islam/HSBC & SCB. I used my existing CIMB & PB card as reference. Only Alliance reject me but I reapply by using income documents.Now I just realised I have so many cards.  . Just applying for AMEX GOLD CC.This post has been edited by GHz: Sep 24 2009, 11:50 PM |
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Sep 25 2009, 09:10 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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How long does it take to reflect the GSC Eon Card Bonus Value when I login to my GSC account ?
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Sep 25 2009, 11:35 AM
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Junior Member
528 posts Joined: Oct 2007
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wow.. as per above..
meaning if i earn rm2k a month i can get a cimb gold card ? |
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Sep 25 2009, 12:32 PM
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Senior Member
1,230 posts Joined: Sep 2008
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QUOTE(staticxtreme @ Sep 25 2009, 11:35 AM) wow.. as per above.. Its only applicable to the DA line of cards ie. you need to be a graduate, otherwise its still RM30K to qualify for a CIMB Gold Card meaning if i earn rm2k a month i can get a cimb gold card ? This post has been edited by tgeoklin: Sep 25 2009, 05:27 PM |
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Sep 25 2009, 05:05 PM
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Senior Member
618 posts Joined: Apr 2009
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the limit seems like to be lower and lower to apply gold card...
it used to be 36k per annum... |
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Sep 25 2009, 05:15 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(jusco1 @ Sep 25 2009, 05:05 PM) the limit seems like to be lower and lower to apply gold card... Bet in a few years time both classic and gold credit cards will become obsolete, just like the case in Singapore and USA. it used to be 36k per annum... Just a note, one will already qualify for Standard Chartered Gold credit card with an annual paycheck of no less than RM18,000 per annum. |
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Sep 25 2009, 08:58 PM
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Senior Member
1,173 posts Joined: Apr 2005 From: Port Dickson
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I prefer normal c cards to gold cards, I dont want anyone to know my income range
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Sep 25 2009, 09:11 PM
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All Stars
52,874 posts Joined: Jan 2003
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Gold card is pretty common now. Nothing special about it.
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Sep 25 2009, 09:23 PM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(MilesAndMore @ Sep 25 2009, 05:15 PM) Bet in a few years time both classic and gold credit cards will become obsolete, just like the case in Singapore and USA. Income requirement for plat cc becomes lower and lower. Just imagine, a person who earns RM5k monthly salary could now easily get an SCB plat cc with RM30k CL.Just a note, one will already qualify for Standard Chartered Gold credit card with an annual paycheck of no less than RM18,000 per annum. This post has been edited by winner: Sep 25 2009, 09:25 PM |
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