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 Credit Card v9, RM50 GST dilemma

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ghoss
post Apr 2 2010, 03:49 PM

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I went to AM Bank to apply their Imagine Visa card ,

and they say I need monthly income 2k but on their website it says yearly income of 18k

rclxub.gif icon_question.gif


SoS

Any other cards easy to get ?

This post has been edited by ghoss: Apr 2 2010, 03:49 PM
ghoss
post Apr 3 2010, 03:24 AM

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QUOTE(dmatthews @ Apr 2 2010, 05:58 PM)
Have you tried Alliance, Public Bank, RHB and UOB?
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QUOTE(MilesAndMore @ Apr 2 2010, 06:00 PM)
Since the website stated only 18k, you can download their application form online and mail it to their credit card centre yourself. Sometimes those staff do not really know their own bank's products.

Anyway, you can still try Public Bank, CIMB Bank, Alliance Bank etc.
*
Those bank give small timers like me a chance ?? rclxub.gif

Waiting reply from CIMB, rejected by Maybank.
ghoss
post Apr 5 2010, 02:14 PM

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QUOTE(dmatthews @ Apr 5 2010, 10:28 AM)
It's true that it depends on the bank itself.  For Public Bank, they allow multiple transaction to convert any purchase to flexi payment, as long as the request was made before the next statement date.
http://www.pbebank.com/en/en_content/images/flexipay092.pdf
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Can Cash Advance do that ??

I'm not able to get PL , thought of using cash advance instead.

Anyone mind to explain ??

Thanks.
ghoss
post Apr 9 2010, 01:54 AM

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QUOTE(shikuzika @ Apr 8 2010, 09:15 PM)
will any bank accept, and approve, my credit card application (first time application) if i've only been working for a month. any chance?

*unrelated to credit card* if not can i take a personal loan?
*
Don't think can app for credit cards or personal loan ,

cos you need minimum 3 months payslip.
ghoss
post Apr 10 2010, 05:31 PM

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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 ??
ghoss
post Apr 12 2010, 06:22 PM

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I just got my CIMB card rclxm9.gif rclxm9.gif

I think CIMB have higher approval rate compared to others.

Anyone have experience with cash advance ??

If I cash advance now and pay when the statement come , how many % I get charged ?


Thanks.
ghoss
post Apr 12 2010, 06:33 PM

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I just found out the charges.

How much can I cash advance ?? 50% of my limit ?

I tried for PL but they cannot approval . So have to use cash advance sad.gif
ghoss
post Apr 12 2010, 10:14 PM

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QUOTE(Lineage @ Apr 12 2010, 08:52 PM)
Just rejected by HSBC today..
I have a difficulty to apply credit card..any agent here willing to help me on this?
My basic is less than 1.5k but I got fixed allowance and the total is more than 1.5k..will bank accept this?  cry.gif
And I got an average 2.5k+ income monthly.. smile.gif
*
CIMB , I got mine there as first time applicant.

Don't try Oversea banks ( HSBC / UOB / Standard Charted / OCBC ) + Maybank

Those bank are very hard to approve.
ghoss
post Apr 13 2010, 12:13 AM

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I got a question regarding installment payment .

If I buy something 2k with 200 monthly installment
and my credit limit is 5k

My current credit limit is 3k or 4800 ?


notworthy.gif
ghoss
post Apr 13 2010, 12:26 AM

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Another thing is I would like to request PIN from CIMB for my credit card ,

Can I post it in Pos Laju instead of the normal reply form ??
ghoss
post Apr 13 2010, 12:51 AM

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QUOTE(David83 @ Apr 13 2010, 12:38 AM)
Why not? You're paying for it.
*
Thanks ~~

Anyone can answer my installment question ??
» Click to show Spoiler - click again to hide... «
ghoss
post Apr 13 2010, 12:53 AM

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QUOTE(Lineage @ Apr 13 2010, 12:52 AM)
is 3k..then after you pay for the first month..it will increase to 3.2k  smile.gif
*
Thanks ~~

So if the monthly is 200x24 = 4800 ?

Then my credit left 200 ?
ghoss
post Apr 13 2010, 12:55 AM

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Deng...last thing , Can I use my credit to near limit ?? laugh.gif

And what's the max I can cash advance from my credit limit ?

50% ?
ghoss
post Apr 14 2010, 04:19 PM

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The cash advance system is down !! cry.gif cry.gif

Tried using at CIMB / Maybank also cannot. rclxub.gif
ghoss
post Apr 16 2010, 12:15 AM

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QUOTE(jonuslee @ Apr 16 2010, 12:07 AM)
Hi guys, which local bank offer the highest credit limit?
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It depends on your income I guess .

For debit card , you can buy things online like credit card but need to have money only .
ghoss
post Apr 23 2010, 11:28 AM

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Anyone know which banks has best approval rates for 1.7k monthly income ??

Beside CIMB / Maybank / Standard Charted
ghoss
post Apr 23 2010, 12:03 PM

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QUOTE(hye @ Apr 23 2010, 11:59 AM)
Basically all other banks. You'll be hard pressed with foreign banks, CIMB, MBB
Good luck!
*
Thanks , but actually I got from CIMB , rejected by MBB + Standard Charted


Public / Hong Leong , which one better?

smile.gif
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