1 question, i bought something & using 0 interest monthly instalment for 12 months, now already 14 months passed but bank statement still dun bill me. I called bank to ask, they said no outstanding. try to dishonest this time, thinking to cancel d CC since they dun charge me, is it possible? any advice.

now application is easier, as long as you have CC card from other banks, u can apply new one with a copy of CC & IC. If u apply for the first time, i think annual income RM24K or lower can apply. my colleague's pay only RM1800 also can get approval.