how to have CCRIS record if u dont have a car?

to obtain a card u need to have car/PL first? most likely wont be

This is a good move by the government to curb those agents sent by the DEVIL himself.....its these agents that whisper in the ears..."take this credit card..you can be rich".....mwahahahahah...

Recently get some news on requirement to apply CC for 1st card... Applicant need to have at least 1 full year CCRIS report records in order to apply it...else you will not allow to apply or 100% reject. Not sure whether it is true or not but was told by Citibanker which they don't process the application for people who don't have CCRIS record

I am a freelancer/self employed with steady income. Am I eligible to take any CC?

This is a good move by the government to curb those agents sent by the DEVIL himself.....its these agents that whisper in the ears..."take this credit card..you can be rich".....mwahahahahah...

I am a freelancer/self employed with steady income. Am I eligible to take any CC?

I wanna ask..my salary is around rm3400 a month but dat include allowances..i already got 2credit cards..but i intend to have one more juz for balance transfer..with my current salary,am i able to get another card?actually..i wanted to cancel one of my card but there are some problem attached with it and im in urgent need of a balance transfer..tq

ok..will try..tq..one more question..if im blacklisted by celcom becoz of bill payment,will it influence my credit card application?sumbody used my name to subscribe for celcom iphone package..but the case is solved now..juz wondering coz i did made a few application last time but was rejected..

good moved, but i pity those who draw salary ngam ngam 3k. oni 2 kad they can have.

How many cards you need? 2 are more than enough..
BTW, I currently have 2 cards. Maybank Visa and OCBX Titanium Mastercard.

Question : Am I able to get a supplementary card? I don't really get the idea. Credit limit will b combined with primary card is it?

You can get a supplementary card for your family (or anyone but what for ) by using your card as a principal. You can usually set the amount of credit limit that you want to give your supplementary card (example, 2k out of your 10k limit). Take note that supp card will incur GST too, RM25.

You can get a supplementary card for your family (or anyone but what for ) by using your card as a principal. You can usually set the amount of credit limit that you want to give your supplementary card (example, 2k out of your 10k limit). Take note that supp card will incur GST too, RM25.

Dont forget the cashback amount also will be shared between principal and supp card holder which is an trade off.
Example Ocbc Titanium and Mbb2, monthly Rm50 cashback will be shared, not Rm50 each for principal and supp card.

Banks urged to further tighten criteria for getting credit cards

ALOR SETAR: Financial institutions, especially commercial banks, are urged to abide by stipulated guidelines and to tighten regulations on the issuing of credit cards to avoid fraud.

MCA vice-president Datuk Seri Chor Chee Heung said the failure by financial institutions to do so had resulted in many cases of people using false identification to be issued with credit cards.

He said several complaints had been received by Kedah MCA from members of the public who claimed to owe credit card companies for cards which were not issued to them.

"Financial institutions should be more cautious and review conditions for approval of applications for credit cards from the public," he added.

Chor, who is Housing and Local Government Minister, told this to reporters after a housewife, Chan Ah Kim, 33, met him to seek his help to resolve her predicament.

Chan claimed that she was being pursued by a bank to settle her credit card debt for a credit card that she claimed was not issued to her.

Chan, when met by reporters, said she believed a man she met in 2010 to apply for a business loan had used her personal documents to apply for the credit card.

She said the man had asked her to hand over 10 copies each of her identity card, business registration certificate and bank statement.

"It was in 2011 when I began receiving letters from OUB Bank asking to settle more than RM5,200 for usage of a credit car.

"Since I had never used a credit card, I refused to pay and this resulted in OUB to send a summons letter early this year," she added.

Chan said she had discussed the matter with the man to resolve the matter, but the later refused and this her to lodge a report at the Alor Setar police station last Thursday. - Bernama