Credit Card v12, Credit card GST remains....
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 Oct 24 2010, 10:54 AM
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#1
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Junior Member
48 posts Joined: Oct 2010  
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QUOTE(MilesAndMore @ Oct 24 2010, 02:57 AM) No. It is not going to help unless the balance is huge. Time deposit is the one that may help your credit card application. No guarantees though. No it won't help |
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Oct 24 2010, 03:23 PM
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#2
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Junior Member
48 posts Joined: Oct 2010
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QUOTE(MilesAndMore @ Oct 24 2010, 01:51 PM) No. You are wrong. Time deposit will help. Different banks different policy though. For Maybank, you must have your salary credited into your savings account. Then you'll be eligible for a pre-approved credit card. Maybank rejected my application years ago. The company I was working for credited staff's salary to Maybank's account and on top of that I had quite an amount of time deposits at another branch. The idiotic bank still rejected my application.  Added on October 24, 2010, 3:26 pm QUOTE(rickkywong @ Oct 24 2010, 02:32 PM) yes, it's really help. 3 months ago, my friend deposit 6k into UOB fixed deposit and within a month the bank call him up to offer a credit card with 6k CL without submitting any document. Dang! I had many times more than 6k and they rejected my application...no pre-approved card; I had to apply for it! Added on October 24, 2010, 3:27 pm QUOTE(persistence85 @ Oct 24 2010, 02:00 PM) what is mean by time deposits? Fixed depositsThis post has been edited by kefircurious: Oct 24 2010, 03:27 PM |
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Oct 24 2010, 09:38 PM
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#3
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Junior Member
48 posts Joined: Oct 2010
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QUOTE(MilesAndMore @ Oct 24 2010, 04:08 PM) Then i do not know why though. There usually won't be a problem for you to get a credit card from Maybank since your salary was credited into Maybank every month. May be you have a huge outstanding loan ? Or probably you have defaulted on loan or credit card before ? No ler! I have never taken a loan and never had my own credit card; only supplementary from hubby. |
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Oct 27 2010, 09:02 AM
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#4
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Junior Member
48 posts Joined: Oct 2010
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QUOTE(chemistry @ Oct 27 2010, 01:16 AM) My friend in banking sector said banks have quota (allocated by BNM) in giving out loans/credit line. If the bank does not fully utilize the quota by end of the year, the quota will be revised downwards in subsequent years. And that is why most people got their CL increased automatically before year end. Hmm...no wonder my card application to Maybank was rejected cos I don't have borrowings. They want people who overspend and utilize their CL so that they could charge interest.Have you heard of this? Added on October 27, 2010, 9:16 am QUOTE(chemistry @ Oct 27 2010, 01:56 AM) Because HSBC is a foreign bank? It is still a foreign bank; in 1994 Bank Negara revoked authorisation of foreign banks to operate in Malaysia unless they incorporated locally. End 2005 Bank Negara allowed foreign banks to open 4 additional branches subject to approval by Bank Negara; some were permitted to open more than 4. Foreign Islamic banks are exempt from this restriction. Actually, can we call HSBC a foreign bank? Does the word "(Malaysia)" make it a local bank? This post has been edited by kefircurious: Oct 27 2010, 09:18 AM |
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Oct 27 2010, 02:18 PM
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#5
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Junior Member
48 posts Joined: Oct 2010
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QUOTE(chocolatepallette @ Oct 27 2010, 02:01 PM) 4th OCT ? You mean 4th of November, do you? They don't approve applications on the spot.Since it's your first time, I guess it might take more than 1 week. Maybe sooner, maybe later. It's hard to say but I wish you all the best  Added on October 27, 2010, 2:05 pm There was a Citibank booth in MAPEX (held at MVEC) last weekend which promotes credit card, you just missed it. From my experience, usually there are some credit card promotion booth outside Carrefour hypermarket |
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