Reasons given by you: -
1) depending on the credit policy of a card issuer. BUT in details....if you are >40 years no history of loans or cresit cards in CCRIS...spells something fishy for the credit officer.
2) as long as you meet the minimum income requirement for a credit card type, no issue on the amount you have in ur bank statement.
3) not an issue, depending on your income requriement. ie. min 24 K

All in all 2 major areas that a credit officer from a card centre look at: -
1) CCRIS profile. contains all your banking information (monthly commitments) etc etc.
2) Capability to pay! you earn 2K, you have monthly fixed commitments, other CCs, Housing loan exceeding ie. RM1.5K per month, very good chances of being rejected.

---

Added on September 25, 2010, 6:34 pmif ur card issuer system and credit/internal policy is flexible.....YES.

This post has been edited by ankleguy2003: Sep 25 2010, 06:34 PM

Please check issuers fee & charges or it should be printed on your statement of accounts. As far as i know BNM CC guidelines does not allow admin fee for overseas transactions to be charged without the bank notifying consumers.

Usual card issuers' processes in selecting winners: -
1) End of contest.
2) Based upon T&Cs, a pool of possbile winners selected
3) Check card history; ie. payment records; Check other T&Cs (ie. winner must not be family members etc etc etc
4) Final selection; winners are selected in the presence of Bank's Internal Auditor.

Moral of the story..............If you are lucky, you will get it. If you are not, too bad