HSBC didn't want to give me a credit card half a year ago. Today they called and wanted me to take up their HSBC Amanah card but I rejected them in the face! Yes!

Unless I can provide a better document to support my income? 

Guys, another question again. Sorry if this question has been asked before. Just wanted to get a simply and short confirmation. I had read on the Maybank EzyPay scheme T&C but don't really understand the term.

Is the EzyPay works in the way eg, I got 3k limit. and i purchase an item worth 1k with 12 monthly EzyPay.

Meaning the bank will hold 1k out of my 3k limit and my current card will left 2k limit and my credit limit will be restored by monthly basis based on my repayment right?

Oh..by the way, what is J form?
I also submit EPF statement, it is 2009 statement and only got "nice figure" from June onwards..
so good.. 

Borang J atau Penyata Cukai Pendapatan akan dikeluarkan oleh JHDN sekiranya anda dikenakan cukai pendapatan.

Bagi setiap peniaga, Borang J adalah seperti slip gaji seperti pemakangaji. Pihak bank akan merujuk kepada Borang J bagi pengesahanpendapatan sebagai antara satu syarat utama bagi sesuatu pinjaman yangdibuat atau lain-lain permohonan yang berkaitan.

Oleh itu adalah penting bagi peniaga khususnya mempunyai Borang J,terutamanya bagi tujuan pembelian aset atau pinjaman  seperti rumah danlain-lain pinjaman perniagaan.

Hold on. Not all banks practice the same thing when it comes to installment / CL calculations.
My earlier answer applies to Citibank but I can't remember how does Maybank works. There are banks which will only fully released the CL once all payment is paid up.

The answer above is correct for Citibank at least. Slight correction to the above would be they would round the CL to the nearest ringgit.

Upon approval of the application, the full instalment plan amount will be blocked at the point of application of EzyPay. The Bank will debit Cardmember’s Card Account with the instalment payable on a monthly basis, for duration as stipulated as above. Cardmember’s available credit limit will be provisionally reduced by earmarking an amount, equivalent to the Purchase Amount which will not be available to Cardmember, but will be progressively restored on a monthly basis as repayment of each instalment amount is made.

You sounded as if you have doubts in what we are saying.  You could have been lucky because the people cancelling their cards during that period is many times more than people applying, so the banks could have relaxed some of their conditions temporarily. They can do it @ any time without informing the public nor this is something regulated ... it is up to the bank.

On the same note, we did not mention that this (application cooling off period) is well acknowledged by the bank and the timeframe is only a general guideline. Why don't you try doing this to the likes of Citibank, HSBC, SCB, MBB, CIMB ... basically bigger names in CC and tell us whether your experience (or their treatment) will be the same ?

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Added on April 8, 2010, 2:25 pm

Don't get too excited about the no interest. I can assure you it is temporary.
Ikhwan card practice a non-compounding interest system. It is not the same as no interest.

Then I don't give hope on it 
  serious? my salary goes into RHB..so apply RHB shouldn't be a problem? 

Ok..RM 50 per annum right? not after 1 year of using only pay? 

What you mean by book? 

CIMB is pretty carefree with their cc and their credit limit

They increased my limit without I applying

you mean use CIMB credit card no need 1 year but other bank credit card need at least 1 year to apply another card? 

Varies..depends on the bank...from my personal experience is CIMB..

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Added on April 10, 2010, 11:11 pm

Thats good..

Did u take the offer?..they havent offer me any plat card though..although i paid on time..

I want that........

sure you would take the offer...DA card is,well,(no offence) looks ugly..apart from the worldcard..