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 Credit Card v11

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jtcs87
post Aug 22 2010, 08:10 PM

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If my salary just get RM 2.5k without deduct those EPF yet & i just get started work for 2 months only. Is it i fulfill to apply any CC? What kind of document that i should ready up? Usually i just plan to use the CC for my petrol bills only. Any bank for those CC to suggest for me? icon_question.gif

This post has been edited by jtcs87: Aug 22 2010, 08:24 PM
jtcs87
post Sep 5 2010, 03:09 PM

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Sorry. I just want to ask that i own the salary but without paying for EPF deduction. Is that i able to apply any Credit Card?
jtcs87
post Sep 5 2010, 05:59 PM

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QUOTE(Gen-X @ Sep 5 2010, 03:27 PM)
Yes you can own a CC even if you don' contribute to EPF as long as you can proof your annual income e.g. Income Tax forms. Or alternatively, go to the first page of this thread, you can also get a CC by depositing a certain sum into banks.
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I cant get the income tax yet since i just started for work for 2 months only.. sweat.gif
jtcs87
post Sep 11 2010, 12:48 PM

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QUOTE(David83 @ Sep 5 2010, 06:15 PM)
Then submit 3 months of payslip.
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Straight give 3 months payslip then settle to apply the CC? rclxub.gif
jtcs87
post Sep 12 2010, 08:32 PM

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QUOTE(David83 @ Sep 11 2010, 01:05 PM)
That is the one of incoming proving document beside IC.

Alternatively, you can use others:

1. EPF statement
2. J form
3. Employment/Offer letter (fresh graduate)
4. Existing CC (age is more than 1 year)
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Base from all the documents at above i just got the third one which is Employment/Offer letter (fresh graduate) only. rclxub.gif

jtcs87
post Sep 13 2010, 10:29 PM

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Apply which bank for the CC is better for my spent on petrol + shopping + flexi payment for sometimes? Seriously need some suggestion for my 2.5k salary without contribution to the EPF.

P/S: I prefer those can be annual fees waive by every year if can. smile.gif

This post has been edited by jtcs87: Sep 13 2010, 10:30 PM
jtcs87
post Sep 29 2010, 06:58 PM

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Hi guys, i willing to ask that if my friends own RM 2k as basic salary + RM 500 as allowance. But he didnt contribute to EPF. Is that he able to apply the Maybank CC?
jtcs87
post Sep 29 2010, 07:10 PM

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QUOTE(Reventon @ Sep 29 2010, 07:04 PM)
Yes,  he will be able to apply , but chances are slim if this is his first CC , as usual , most convincing document to apply for CC is to provide EPF statement , Tax return form altogether with 3 months salary slips. Those combination should be able to pass thru all checkpoint from bank to issue the CC provided one did not have any CCRIS record for any default payment. biggrin.gif
Should go for AMbank , CIMB , EON or MBF for first timer as its easier to get it approved  biggrin.gif
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You means that AMBank, CIMB, EON or MBF is easier for apply with EPF contribution? rclxub.gif
jtcs87
post Sep 29 2010, 07:46 PM

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QUOTE(Reventon @ Sep 29 2010, 07:20 PM)
IF can provide the EPF statement is the best, but IF without the EPF , one should be able to apply as well but those bank i mention above is more lenient and not as strict as some bank like MBB , HSBC etc... so you can ask your friend to try his luck on those bank stated above.
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Because he is doing those sales job one.. No EPF one.. rclxub.gif

If let say he own the other bank CC then can he go to apply the MBB those card again? rclxub.gif

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