I also used my HSBC credit card as reference. RM30k really is enough for HSBC credit card apparently. Anyway, they still asked for my income document. Age is the problem here. It will be a few more year before i reach my mid-20s. Told them i am just a student. Therefore, i won't be able to to give them my income document. They asked me if i have any FD with them but unfortunately i do not have any. So i asked them to cancel my application. Might try again when the opportunity comes next time 
Now we all know age might play a role as well 
Most major hospitals do accept AMEX.
There are four escalators on each floor. Two going up and the other two going down. You have to walk near the end of the mall. The booth is next the second escalator. And regarding the mall, there isn't any interesting shop inside 

will the offer a good cl? or match the citibank cl i have??

what about cimb? can they give a good cl?

why i am asking? because i have a credit of almost 28K which i want to transfer to other cc and do installment plan instead of taking personal loan to pay up.

yes

so care to advise?

But i was told that my age is the main reason why they asked for my income document. The minimum credit line can be given to the World MasterCard really is RM100k and since they do not know my exact financial status, they were having doubts granting me an unsecured credit card with such high credit line. I only have savings account at CIMB Bank. All my time deposits are at the non-GLC banks. Told them all my incomes are passive incomes from time deposits and ASB/ASW2020. They asked me if i have any FD with them but i said no. So they said the only way is to submit my income document because they have no access into other banks' system.
I do have and it is all passive income    And i am not comfortable showing my FD certificates to other banks.
No. You misunderstood. It wasn't OCBC that requested for my income document. It was CIMB Bank. I tried to apply for their World MasterCard. Apparently two other people here managed to apply for the card using their HSBC Premier MasterCard and they did not have to submit their income documents at all. They both got the card in just one hour 

Anyway, i initially was told that all they need is my existing credit card. They asked me how much is the credit line of my credit card and later found out that mine is eligible    They didn't even ask me if i was earning RM200,000/pa. They did however ask where do i work but i told them i am not working at the moment. I asked them if it is okay if i give them my dad's company as the place i am working in and they told me that would be fine too and that's it. They did't even ask for the company's telephone numbers. I was told to come back an hour later but when i did, i was told that their credit card centre request for my income document. I told them that is not possible as all my incomes are passive income and i am not comfortable showing them my bank statement from another bank. So i just told them to cancel it.

I've been using near the maximum of my credit line in the last two months. Overseas trips helped that 
However, CIMB Bank credit card benefits me better than HSBC credit card. Yeah, not denying HSBC does have a lot of promotions for its credit card but all these promotions always come with strict T&C while the sort of promotion CIMB Bank has is much more straightforward and everyone can easily benefit from it. Besides, CIMB Bank World MasterCard gives 2x Bonus Points for each RM1 charged in foreign currency and the bonus points needed to redeem for shopping voucher is the lowest among all the major banks in Malaysia. This is why i am so keen on the World MasterCard as their other cards do not get 2x Bonus Points for transactions transacted in foreign currency. 

To sum it all up, CIMB Bank credit card suits my lifestyle better than HSBC credit card and it is a good overall card for me. However, i am not moving any FD into CIMB Bank. Will try to apply for it again next time.

Not sure about HSBC RM30K limit but definitely you are going to need 12 months on your HSBC card. And .... there's a strong chance they will check for your RM200K p.a income.

Thank you @tgeoklin, I share your opinions as well.
The newer generation are just too gung-ho about CL, card upgrade, EZ Payments, etc. I worry about these developments as it could possibly indicate denial about the ACTUAL responsibility when using a credit card.

Back then I had to wait for a good 6 months to 1 year before being eligible for applying a credit card. These days they want the card right away from starting work on the pretext of "emergency purposes" and not realizing the danger of using credit card to survive.

need NOT show income document.

That is so true ! Anyway, have not heard from them yet regarding my card application. Going to call them this Friday if still no update from them. Worst case scenario ? Pledge a few thousands to get the card.

As for the CIMB Bank World MasterCard, i have to wait until my fixed deposit matures which i renewed for 60-month in 2007 before i can finally transfer some to CIMB Bank. Interest rate for 60-month fixed deposit was high then and the interest payout frequency is on a monthly basis. The huge interest rate cut in 2009 had no impact on this particular fixed deposit account of mine at all 
HIGH FIVE mate !!! 

I saw a lot of repeat winners in the list. Most of them won grand prizes in both months. That's the loophole of this kind of contest.

Yes. I am aware of the 6-month cooling off period which is why i only intend to try again next year. Besides, i can't come up with the money right now. It is a no-brainer to cancel that 60-month FD of mine simply to deposit some into CIMB Bank just to support my credit card application with them.

Did you win, winner?
Me too. Give one to my brother. Even worst, I still haven't received the first one yet 

Is UOB Lady's Platinum MC is really platinum cc or is it just by name only?

my dad also got ask them is it hsbc card holder surely can get approve but the girl tell my dad they still need to check by damansara branch and no guarantee one le..my dad say they can easily find out whether you are really earn big income yearly or not by looking the home loan,HP and credit give by banks wo.. not sure correct or not lo..haha

my brother also got hsbc plat card and apply also not kena reject wo... his record is clean one also le..

Hi,

Recently I made a RM2k+ swipe for my mom's medical bill due to emergency, however I can only pay back at most extra RM500 per month. Previously I had never used my CC for other than petrol, thus I manage to pay in full each month. My question is:

1) Will it effect my CCRIS record?Or is it as long as I pay more than the minimum amount each month, my CCRIS will still be "0"?I'm not very clear on how CCRIS works. Hopefully someone could explain it. Thanks in advance.

Minimum consistent spending over RM10,000 per month on your existing card is definitely not enough. Been spending way more than that every month in the past one year. Spent even more in the past two months but that did not help either. And i do have a hire purchase loan under my name too. Newly approved about two months ago from EON Bank.

Can a 20-year-old open a HSBC Premier account ? Because just two years ago it wasn't possible. Besides, i do not think he can have a principal credit card from any financial institution in Malaysia if he is only 20-year-old right ? Anyway, i used that card to back my application too last week.

By the way, i am not exactly sure if the bank can see how much we have spent on our existing credit card(s) in the past 12-month because only these are shown in our CCRIS credit report :
- total outstanding as of xx/xx/xx
- credit limit of each card
- total active cards owned
- collateral type
- any missed payments in the last 12-month etc.
Or probably banks can see even more information. Not sure though 
It depends i guess. Could be a good thing but could also be a bad thing. It's a good thing if you've not missed a single payment 

about credit limit

how much can we ask the bank to increase the CL too if we can provide payslip of 10k?

It is not recommended to use EON Bank credit card overseas due to the higher than market average foreign currency administrative charge which is 2%.

Yes that is so unfair isn't it. Since it's a free country I suggest you don't pay it. I am quite sure they can't issue a warrant of arrest out on you for non-payment. Maybe they'll just put a blackmark on your CTOS or is it CCRIS and then you'll never be eligible for a loan or cc application ever again. But that's just a small price to pay. The important thing is that you get to save the 50 bucks and that is all that matters!

KUALA LUMPUR, 11 OCTOBER, 2010: The imposition of the annual RM50 service tax on credit cards has brought the desired effect, with a 16 percent drop in card ownership - from 10.8 million at the end of 2009 to 9.1 million in mid-2010, the Dewan Rakyat was told today.


Deputy Finance Minister Datuk Seri Awang Adek Hussein said the drop showed that some holders of the cards did not use them.


Furthermore, the RM25 service tax on each supplementary card had also resulted in many of these card holders returning the cards, he said when replying to a supplementary question from Datuk Baharum Mohamed (BN-Sekijang).


Baharum had wanted to know whether the government intended to revoke the service tax, which was imposed on Jan 1. Awang Adek said the government had no intention as of now to remove the tax.


Earlier, when replying to the original question from Baharum, Awang Adek said that up to last month, the government had collected RM275.5 million in credit card service tax.


Awang Adek said the service tax on credit and charge cards was imposed for the first time on Jan 1, 1997 and revoked on April 1, 2001.


He said that between Jan 1, 1997 and April 1, 2001, the tax collected amounted to RM464.88 million.


Replying to a supplementary question from Dr Tan Seng Giaw (DAP-Kepong), Awang Adek said the government encouraged the use of debit cards, on which the service tax was not imposed.

Govt not stupid,
Imagine:
9.1 million card holders in mid-2010 x Rm50 each = RM450++ million in their pocket

What card line?

i'm curious why would standard chartered ruin the exclusivity of world mastercard by imposing a relatively low requirement for it as compared to cimb / da / mbf's RM 200k per annum income or maybank's RM 240k per annum income.

....... haha you go to shopping center and most of the promoter also dunno what is world card.. they think is normal card only le... lower class than gold.. haha