Because you are a contract staff, you need to write Employer = Company A (the one that issues your pay and payslip).
From Company A, they would know you are a contract staff to be stationed at Company B.

Have you ever tried CIMB Bank/Direct Access ? Since you're a degree holder, you can try Direct Access first.

1st, pls differentiate CIMB and DA.

DA do offer card for degree holder, while CIMB dont.

CIMB, like other bank - u can apply without degree, just the salary slip. the req is based on the salary.

ok?

its ok. maybe u confused.

Direct Access previously owned by Southern Bank. but now is under CIMB.
ok that is graduate card offered by DA.

while CIMB (http://www.cimbbank.com.my) didnt offer any graduate card.

btw, try to apply card with lowest requirement, and apply it with salesman doing promo at (example is) hypermarket (not apply at the bank).
usually they will help u to get the card (to achieve their sales target).
after u get the card, use it wisely. next year, u can use the card to apply for another card.

yes.

example with PBB (Public Bank Berhad), they only need 6 months card to apply with them:

If you have been a Principal credit cardholder for at least 6 months with a credit card that is issued in Malaysia and valid worldwide, just enclose
* Photostat copy of your NRIC (both sides) or Passport and Work Permit for Non-Malaysians; and
* Photostat copy of your Credit Card (front only).

its best if u make the payment record good.
besides, that is what credit card supposed to be.
if u plan to have debt and bad payment record, then sorry, u are planning to failed

so back to ur question, yes, u can use it to apply for another card

pls read the requirement 1st before apply ok?

Minimum annual income:RM30,000

Required documents
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 2 months' salary slips
* Latest 3 months' savings account activity/current account statement

since u dont have a '1 year credit card', so u need to submit all those documents.
if u dont have BE form with official tax receipt, no need to apply then

still. but not sure if it will be approved or not

u will pay rm50 gst for 1 year for credit card. why just want to use once or twice a year?
use it wisely. pay all the statement balance.

just convert all ur cash-flow now to the card.

example is for ur telco.
using postpaid, pay the bill with credit card.
using prepaid, go topup at tesco/giant then pay with credit card.

with that u wont use once or twice a year ~

ur welcome.

BE form is LHDN form.

in other word, borang cukai pendapatan ~

dont say stupid.

u just need to learn

we use credit card to get the rewards (cash back / points to redeem).

while using cash wont get rewards.

dont say stupid.

u just need to learn

we use credit card to get the rewards (cash back / points to redeem).

while using cash wont get rewards.

pls read more here - http://www.hasil.org.my/pdf/pdfam/Issuance...xReturn2010.pdf

for me, no need for u to trouble urself to apply for the maybankard 2.
just apply another card and use the card approved to apply for maybankard 2 after 1 year later.

never heard DA reject application so far (from my friends and also here). so good luck to u!

- if u confused, u can call the bank directly to ask, or just ask it here

- yes, once u have credit card, try to use it wisely. dont overspend.

- yes, use the DA for for 6 months with clean record (always pay full, even this is what it should be),
and apply another card that accept 6 months card example PBB.

Better ask your friend to join the thread .... don't be postman. Questions and answers need to be clear .... passing info can lead to misunderstanding.
1. Maybank probably have a reason to approve your friend that's all.
2. Personal loan approval is independent of cc application unless you have a previous personal loan and screwing up the payments regularly then you'll be "blacklisted" in CCRIS and effectively that means no bank will entertain you.
3. At least not from the same bank and then again banks will check your total exposure to debt. If it is too much then no. Banks are not stupid to give you money and risk the money not getting paid back.
4. Partially answered in 3. Then again, your friend wants to take another personal loan in 6-12 months ? That's a signal your friend is living beyond his means. Generally bank uses 1 year record as reference. 6 months record ... maybe for certain banks. I personally would not have a good impression of banks with too generous credit facility. 

@BeChong if you consider your friend to be your friend then don't give him all these answers.
The way he's taking credit is rather reckless and if this continues he's on his way to build a deep and solid debt position for a very long time. Not the kind of idea a guy should be living his lifestyle.

their website perhaps? And there is this thing call google 

but since I so free, here you go

http://www.directaccess.com.my/index.php?t..._promotion_list

I suggest you to read through this thread from first page onwards. All your questions have actually been answered. Do research before posting questions. No offense here.

1. Direct Access unit was previously set up by Southern Bank where they offered free annual fees for CC and other banking facilities over the phone. Was very successful as it was FREE. Main target were graduates and subsequently targetted professionals. When Southern Bank was forced to merged with CIMB (I still pissed off over this, wonder how much my Southern Bank shares would be worth today if it was not forced to merge ), CIMB retained the name and products.

2. If you ask me, better to go with CIMB card as not many people knows that Direct Access is part of CIMB.  Only last week end went to Burger King and had to show them the back of my Direct Access where there is CIMB written on it to get 10% discount.

3. Watson no rebates. Petrol since this year no rebates. Burger King 10% discount  everyday and Sunday extra 10% rebate. KFC 10% rebate on Sundays only.  Every Sunday Guardian, Cold Storage, Giant and Tesco 5% rebate. No other rebates other than these. These rebate are promotion and offer will end on 30 June 2011 unless it is extended.

4. CIMB and Direct Access got 0% Balance Transfer Plan and also 0% Installment Plans for Education, Hospital and Insurance.  However, these plans are also not permanent and for limited time only.

5. Without offers or promotions, CIMB standard non co-brand cards are as good as useless with 1X reward points only. hahaha

So if you want rebate card, go for OCBC Titanium or Maybankard 2 Cards.

Click here to read about Maybankard 2 Cards. Minimum income RM30K

Click here to read about OCBC Titanium Cards. Minimum income RM36K..

as long as u meet the min req, why not? certain bank give this card free upgrade for selected plat member



the most important thing is, DA or CIMB, for fresh grade, apply for Mastercard, not Visa!
those rebates at kfc, burger king, teso, giant, etc. is only applicable for Mastercard ~

and yes, the promo will keep changing. u need to visit DA/CIMB website at least once in 6 months.

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Added on January 25, 2011, 4:19 pmoh another advantage for DA/CIMB (no matter visa or mc), it give u free 10 months installment for insurance, hospital bil, and education.

example if u renew ur car insurance for rm1200, after 3 days just sms to convert it into installment.
so u just need to pay rm120 for 10 months. no fee at all, and no interest for remaining balance of the installment~

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Added on January 25, 2011, 4:24 pmand previously, DA give 2% rebate at ALL petrol station. but no more starting this year