Credit Card v11
|
|
 Sep 20 2010, 06:02 PM
Return to original view | Post
#1
|
 
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay  
|
just asking,
when u guys refer to paying your cards on time as in fully settle after each month usage? or just minimum? i usually pay only minimum unless i have extra for the month i will clear more than minimum.. does that affect my applications as the card still have balance uncleared. |
|
|
|
|
|
Sep 27 2010, 12:40 PM
Return to original view | Post
#2
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
My CImb Mastercard has it, u can buy 1st, then make a call to the card centre tell them your transaction it can be done.
u need check the webby, for the terms and condition. |
|
|
Sep 27 2010, 02:52 PM
Return to original view | Post
#3
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
oh ya.. i forgotten about the "one time interest payment" 2/4/5%
|
|
|
Sep 30 2010, 01:07 PM
Return to original view | Post
#4
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
QUOTE(MilesAndMore @ Sep 30 2010, 10:18 AM) 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. Something on the hire purchase thing, izzit a good or a bad thing towards the application..  rofl.. i have a H&P as well.. i m considering to get the OCBC titanium.. but my salary requirement falls short.. |
|
|
Sep 30 2010, 02:22 PM
Return to original view | Post
#5
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
QUOTE(alexwsk @ Sep 30 2010, 02:08 PM) hire purchase should be gd, especially when you don't hold any other credit cards ohh ok.. it will add to your CCRIS and show whether your payment is on time but wont H&P increases your risk of paying ur debts on time.. i have a 70k car loan under my name but my dad paying the loan for me temporarily. This post has been edited by mugenz: Sep 30 2010, 02:22 PM |
|
|
Oct 5 2010, 12:31 PM
Return to original view | Post
#6
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
i followed Chemistry's footsteps..
Applied OCBC TI with my highest CL card coz my salary didnt meet the requirement as well ROFL~ 1st Oct submitted and awating response  |
|
|
Oct 5 2010, 03:30 PM
Return to original view | Post
#7
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
i just received a call from bank.. rofl
They want more documents from me as they said my existing card is "NOT SUFFICIENT" for the application. Can i refuse to give? They only said required 1 year old existing CC and now they want my 3 months statement and payslip |
|
|
Oct 5 2010, 03:58 PM
Return to original view | Post
#8
|
|
Senior Member
1,300 posts Joined: Oct 2006 From: Pee Jay
|
This is for SCB Gold Mastercard,
If according to website and their application form, my income is sufficient for that. As in application form, they even had a check list which let me tick the documents that i need to submit. Generally, the 1 year term is just for CCRIS checking purpose. The reason why is that, 1. i need go print my bank statement 2. I dont have fax. And i do not want to use my office fax, u guys know la.. using company resources for personal use.. summore my fax in my boss room.. hence i need take leave atleast half day off to go walk in and submit the reason why i use my card coz its more convenient. This post has been edited by mugenz: Oct 5 2010, 04:02 PM |
|
Topic ClosedOptions
|
| Change to: |  0.0479sec
 0.87
 7 queries
 GZIP Disabled
Time is now: 8th December 2025 - 01:53 AM |
Quote