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Credit Card v9, RM50 GST dilemma
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krylicius
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 Apr 10 2010, 07:23 PM
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Getting Started
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QUOTE(ghoss @ Apr 10 2010, 05:31 PM) I got rejected by Standard Chartered for their Credit Card and Personal Loan. The representative said that because I don't have any loan or other cards so the bank sees me as high risk. Does that me I have to get a car loan first ?? If you don't have a loan or a credit card,so it means that you don't have a record with CCRIS..means that they cant trace any proof of income from you..and they label you as high risk.. Getting a car loan first will certainly help,because it requires a guarantor,in which cc doesn't need one.. Otherwise,just try EON,Alliance,Affin,Public or any other local banks(except Maybank)..it will be easier than SCB.. |
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krylicius
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Apr 10 2010, 07:56 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 07:46 PM) Today just apply UOB One classic..Hope I can get it.. so far already apply HSBC, MBB, EON and UOB..don't know which 1 I can get  Good luck!  HSBC is the least likely one to be approved i think..they are really strict.. |
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krylicius
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Apr 10 2010, 07:59 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 07:57 PM) What do you mean? HSBC hard to get?  Exactly..in my opinion is the most difficult bank to get credit card from..even if you got high salary..  |
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krylicius
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Apr 10 2010, 08:15 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 08:04 PM) Oh..I think they approve Credit Card got monthly quota  Among the Credit Card, I really hope I can get HSBC and UOB..  Yes they do have a quota..but actually this year is abit more easier to apply credit card,due to the RM50 GST...so its like there is no quota at all..every day of the month is easy to apply..  |
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krylicius
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Apr 10 2010, 08:26 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 08:17 PM) Then good luck to me..haha.. Actually all banks require 2 weeks or more to process a credit card application?  Normal processing duration is 12-14 days.. Some banks takes 3 weeks though..i applied for affin bank previously and its still pending after 3 weeks..  |
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krylicius
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Apr 10 2010, 08:31 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 08:28 PM) Oh..too bad then..why they can't make it fast?  Ask BNM.. btw,citibank takes 3 days only to give u application status.. |
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krylicius
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Apr 10 2010, 10:14 PM
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Getting Started
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QUOTE(ck_tonny @ Apr 10 2010, 10:10 PM) Which bank is the second hardest? Maybank..for sure.. |
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krylicius
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Apr 10 2010, 10:26 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 10:16 PM) yeah..other bank require 18,000 per annum..MBB require 30,000 thats one thing..maybank wont simply approve applicants..they will check very thoroughly..first timer cc applicants can hardly get maybankard at the first try.. |
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krylicius
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Apr 10 2010, 10:45 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 10:39 PM) serious? my salary goes into RHB..so apply RHB shouldn't be a problem?  Even if my salary is credited to my mbb acc,i didn't wana apply for maybank cc..their only useful card is the ikhwan petronas cc.. It will be easier to apply back RHB..because they can check from ur savings acc..so thats your proof of income.. but RHB credit cards...hmm...  |
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krylicius
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Apr 10 2010, 10:55 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 10:48 PM) If really no bank approve me, that is my last choice..  Well you can apply frm RHB and use it for abt 6 mths then use that card to apply another bank.. then you can cancel the RHB card.. |
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krylicius
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Apr 10 2010, 11:00 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 10:56 PM) 6 months? if use card apply card not at least 1 year? I used my cimb paypass(used half a year only) to apply citibank card..approved.. but i think other banks need 1 year.. |
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krylicius
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Apr 10 2010, 11:04 PM
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Getting Started
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QUOTE(Syd G @ Apr 10 2010, 11:01 PM) CIMB is pretty carefree with their cc and their credit limit They increased my limit without I applying Well,my cimb paypass went from 6k credit limit to 10k in just 4 mths..automatically.. so yup,they are pretty carefree.. |
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krylicius
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Apr 10 2010, 11:10 PM
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Getting Started
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QUOTE(Lineage @ Apr 10 2010, 11:07 PM) 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..
Added on April 10, 2010, 11:11 pmQUOTE(David83 @ Apr 10 2010, 11:04 PM) Absolutely correct. They did the same to my DA. Upgrade limit and offer Platinum Thats good.. Did u take the offer?..they havent offer me any plat card though..although i paid on time..  This post has been edited by krylicius: Apr 10 2010, 11:11 PM |
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krylicius
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Apr 10 2010, 11:23 PM
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Getting Started
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QUOTE(David83 @ Apr 10 2010, 11:12 PM) DA is my least used card. Of course I took the offer. I want that........ sure you would take the offer...DA card is,well,(no offence) looks ugly..apart from the worldcard..  |
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krylicius
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Apr 11 2010, 12:26 AM
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Getting Started
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QUOTE(Syd G @ Apr 10 2010, 11:57 PM) I'd agree that the DA card is ugly. But it's better than having pretty shiny cards with ugly bloated balances agreed..but its sad to have ugly cards wit ugly bloated balances also..so shiny cards give u a reason not to kill yourself.. |
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krylicius
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Apr 11 2010, 12:57 PM
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Getting Started
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QUOTE(winner @ Apr 11 2010, 06:37 AM) Frankly speaking, there is nothing to shout about if you own a platinum card from CIMB, although it is one of the largest banks in Malaysia. Mine is just a classic..certainly nothing to shout about if u have a plat..but sure is better to have a plat than a classic.. |
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krylicius
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Apr 11 2010, 01:12 PM
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Getting Started
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QUOTE(winner @ Apr 11 2010, 01:10 PM) I own Platinum CCs because they are all FOC. If the AFs are non-waivable, I don't mind to downgrade my cards to Classic. Platinum have more privilege than a classic... |
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krylicius
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Apr 11 2010, 01:58 PM
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Getting Started
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QUOTE(winner @ Apr 11 2010, 01:14 PM) Only if you really utilise them. Nevertheless, it is only a card. you make it sound like having a platinum card is a crime...  |
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krylicius
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Apr 11 2010, 02:59 PM
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Getting Started
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QUOTE(hye @ Apr 11 2010, 02:23 PM) Agree to what the folks here are saying. If you use it then OK ... otherwise it is just a piece of plastic. And it is an excuse for the bank to charge you more AF. I just can't understand the fascination with Gold and Plat cards. Back then we had to EARN it, PERIOD. No such thing as asking/demanding the bank to upgrade the existing card. Now ... everyone can get a Plat/Gold card. So ... does the value / prestige really exist if everyone carries one ? I'm just saying having a plat card at least is better than a classic card..i know its just a piece of plastic if i don't utilize it.. its not really pretigious to hv a plat card now...almost everyone has it..visa infinite and worldcard is very prestigious.. |
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krylicius
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Apr 19 2010, 03:58 AM
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Getting Started
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QUOTE(alicia @ Apr 18 2010, 07:39 PM) any cimb or alliance or standard charted agent around? Intrested in getting a card from one of it but I need further info on the benefits etc. It would be easier to check with their website..the sites actually provides more info than agents.. |
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