Actually, a photocopy of your 3 months payslips and IC are everything you need to submit to the bank along with the application form.


No. Lets use EON Bank as an example. Assume that your application was rejected by EON Bank, you can only reapply for a EON Bank credit card 6-month later. However, you can still apply for any credit cards from any other banks.

3 months time should be sufficient to re-apply again....

haha..for me..as my experience...I got rejected from CIMB DA...and I re-apply on another week...and got approved...

maybe different bank..different way..huhu

if i secured a credit card with pledging FD, then i will be get approved one right?

Yes. I suppose so.

credit limit means the total month of $ or 1 transaction limit>??

Most likely can...

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Added on June 22, 2010, 8:00 pmIt mean total transaction limit.

This post has been edited by maru: Jun 22 2010, 08:00 PM

1. sorry, i make a mistake

the real sentences is: "If I cash out 30k and I make easy payment (total 30k)"

not "If I cash out 30k and I make easy payment (total 60k)"


2. yes i must use the agent of easy payment plan to cash out all


3. so if i just pay 5% from rm 2500, i must pay interest rm 35.25 per month or per day for 30 days? pls advise

is it ok to request for credit limit increase for cc less than a year(almost a year)?

Nobody can prevent you from doing so. If your record is good or you have a higher income, banks can definitely consider your request. Btw, CL increase topics mushroom all over this thread.

whats the different between visa n master??

because, my current cc is MC, and they upgrade to Visa GC...

is it same privileges or not???

n oso, which one is more acceptable in here???

u can try...but less than a year they wont entertain u....even i hold my CC for 1.5 year n i ask to increase my CL...they dont bother to entertain me....

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Added on June 22, 2010, 10:59 pmboth are widely acceptable in malaysia....no different i will say....

unless is AMEX u got problem ^^

This post has been edited by maru: Jun 22 2010, 10:59 PM

but i actually prefer MC...haish..why laa they send me this VISA

Your MC is from which bank?

HSBC....now VISA GC oso from them

Guys, If change to new job, have to wait at least 3 months only can apply Credit Card? or once I get confirm by the company then I can apply?
If apply MBB Credit Card, salary in MBB will have higher chance of approval?

If you don't have an existing card then the it comes back to basics ... 3 months payslip.
To the second question, it depends on the risk appetite of the bank ... companies which is deemed of better stability by the bank will more relaxed. (e.g If you are an employee of Shell vs. a small unknown company)

Just to add ... I personally do not normally subscribe to 2 cc from the same bank. Reason is if you intention is for backup purposes then it makes sense to have the secondary card from another bank than the same bank. However, if the merchant's terminal or the merchant's payment gateway is not working then whatever you do makes little impact to ensure payment does goes through.

Hi,

just got my citibank statement, they charged me the RM50 service tax... any chance that i could call them to ask for a waiver? Are they likely to waive for me?

It's a citi - shell card

Any advise on how should i talk to the customer service ppl?

hmm... I don't think the service tax can be waiveable..

Agree...u can forget bout it. It won't be able waive. It's government tax.