so true,
I got 3 cc but none are gold.... banks just dont like me. so I decided to become 'low key'.

That's not a good thing to hear. All my cards I applied are gold. It's either free for life without any condition or with condition.

My income is not high at all!

haih...hey guys can give me some advice.... recently I apply for DA gold and AMEX gold... but both kena rejected and don't knwo what reason. I earning 30k+PA....and I am a fresh graduate juz work in MNC company. I submit my IC, 1 month payslip, employment letter & degree cert.... Please advice.... I really wan these two card...or you guys got any suggestion?? thank for the help

Hi all, may I know isit possible to view MBB Amex Gold CC statement thru M2U without having to "agree" to the TnC? What I mean is when I go into My Statement, it ask me to click accept or reject. But I not sure by clicking accept, my other CC statement will turn to online statement. Any other way to view Amex Gold CC statement?

Oh ... So is RM30k the lowest credit line possible for Standard Chartered Platinum credit card ? Someone said the lowest credit line possible for UOB Bank Preferred Platinum credit card is much lower, around RM20k if my memory serves me correctly. As for HSBC VISA Platinum, the lowest credit line possible is RM30k. Was told its credit line cannot be any lower than RM30k, period ! If you are looking for a HSBC credit card with lower card, they will suggest you to apply for a Gold credit card instead.


How long have you been working ? Most banks require you to submit 2-3 months of payslip.

This post has been edited by MilesAndMore: Sep 25 2009, 11:40 PM

By end of this month I had been work for 3 and a half month. What is the condition banker consider when my application sent out? BTW what is BE form?

I think I may try to reapply by end of this month. Will the bank direct reject me coz I juz recently apply?

Ok. So it means when you applied for DA and AMEX Gold you did not submit a 3-month salary slips as required by CIMB Bank and Maybank because you did not have a 3-month salary slips. I guess that is one of the reasons why they are rejecting you because if you read the requirements stated in the application form, it said that you should submit your 3-month salary slips.


There is a rule that if you have previously been rejected by Maybank and CIMB Bank (Direct Access), you can only reapply for any credit cards offered by Maybank and CIMB Bank 6 months later. You may however, try your luck with some other banks such as HSBC, Citibank, EON Bank etc.

The lowest CL for platinum card IIRC is 15k for EON,SCB,MBF and UOB . Quite ridiculously low CL offered for their plat series IMO . HSBC staff quotes 30k is the lowest for their plat card , which i think is also quite low as their requirement is 150k PA which is same for SCB VI.
Seems like each card has been degrading for the mass market , World & VI has been catching up to replace the 90s Platinum " status ".

I am not sure about the lowest CL for SCB Plat cc. I know the lowest CL for SCB VI instead. But I know somebody with 5k+ salary was given 30k CL for SCB Plat.

This post has been edited by winner: Sep 25 2009, 11:33 PM

Guys .... with the recent posts, I'm kindof worried what will eventually become of the cc holders. Trend seems to be low salary with high CL.

Signals a potentially high risk group if you ask me.

Back then I couldn't get a card before being confirmed in job position. Today we have graduates who "demands" to have credit cards within months after starting their first job.

Scary scenario.

P/S I'm not being old fashion or a killjoy but I'm just being practical about the idea.

This post has been edited by hye: Sep 25 2009, 11:34 PM

BE form is a form to be submitted to Income Revenue Board declaring your yearly income activities for calculation of income tax. Since you have just started working, you definitely don't have it now. Anyhow, it is advisable not to provide this document to bank for cc application, as it is a very personal information.

Most banks won't allow you to re-apply for cc within a short period after your application being rejected. I suggest you to patiently wait until you get your job confirmation.


I try to guess, after VI and World MC, what would be the next for Malaysian cc market? Classic cc may become a history soon.


If new cc users manage their spending wrongly, our country is heading towards a cc crisis happened in US recently. Cc default rate in US hit the highest in couple of months ago.

For me, CC js something for no need to bring so many cash in hand + some rebate like petrol and points.

Normally like my DA, i will advance put some money inside in case i forget to pay back.

i got two CC in hand one is DA another is MBB Petronas. previously get UOB, Hong Leong, DinerClub all had cut ady, only keep two which i easy to paid back

At the end of the day, it's down to the user of the cc. CC's can be pretty handy (and at least there's some sort of reward element in it, as opposed to cash), but yea, it's definately much easier to get a card these days. I got my first CC bout a month or two after I started work, by just submitting 1 month's pay slip, before I was even confirmed.

Still, if one can impose some form of control on one's spending, CCs are the way to go; cash is so yesterday. imo at least =p

Winner, I already had my job confirmation which is 3 month. Normally need to wait how long for reapply?....Can list out what document is a MUST in order to secure an approve application for new card holder?Through agent will it be better?

If you don't have any CCs on hand, you need to attach 2 or 3-month pay slips with your application. Besides, a photocopy of IC is a must.

Generally, agents will try their best to help you get a cc, as they need the commission. However, it sometimes also depends on luck. If you deal with unethical agents, the process could be longer, as some agents may purposely put your application on hold if they have achived their sales target. Some even automatically apply for you CCs you never apply for. I personally prefer to apply for cc directly from bank. Anyway, since you were rejected by banks numerous times and you are really eager to get a cc, you can try to submit your application through a cc sales agent. You may get some freebies then.

Don't be surprised. The credit line of UK issued Platinum credit card (by HSBC, Barclays, RBS, NatWest, Lloyds etc.) starts from £2000, that is around RM11600. You got to admit that it is super low.



VISA Infinite is essentially the highest ranked card category already. But none of the major US banks are offering VISA Infinite, as far as i am concerned. VISA Signature is widely available in the US though. Than there is this card called "World Mastercard Elite" which is not yet available in Asia.

I guess Platinum credit card will soon become the entry card, the more affluent cards would be VISA Infinite, World Mastercard and probably VISA Signature and World Mastercard Elite (if they ever come).


Many people in US have up to 10 credit cards and they actually rotate it. Once they have hit the credit limit of VISA Platinum and Mastercard Platinum from Chase, then they will switch to their VISA Signature and World Mastercard from Bank of America


I couldn't agree more !!!!

This post has been edited by MilesAndMore: Sep 26 2009, 12:07 PM

the important thing is to submit 3 months salary. what if the bank still ask for the BE form, bank statement. can i ignore just them?

regarding salary slip, my boss uses excel format and sign the slip. is it consider official?

This post has been edited by changjie83: Sep 26 2009, 12:39 PM

Yes ... you can ignore whatever else the bank ask you once you have provided your 3 months salary slip. Unless your application requires more documentation then that's another story.

If I'm not mistaken, in most cases banks want to see the carbonised version of the salary slip. In your case then it should be alright then (make sure it got the company seal coz if not anyone could be the signatory and loses credibility) and if the bank ask then you explain it to them.

aiyo, small small company where got carbonised version
last time i oso use the printed one with company stamp on it

since i can print and stamp myself, i can sign myself oso

hi darrenz, sorry for asking so "old" question here!

i was wondering to apply justone from scbb but cant find any info in the website now. what is the benefit for this card?

is this under scb or scb islamic?