How about those on their own business. Income varies every year. some hold more than 2cards and CL RM50k each card. How to justify??

Thanks for the info.

What about self employed who holds more than 2 cards, so do they restricted to 2cards if monthly income falls below RM3k (eg commission bases individual)

documented income below RM36k pa. Received letter from Citibank to submit income stmt. Now having 5 cc (citibank choice, scb plat,hlb plat, DA plat and hsbc gold) dunno which one to cancel almost all have direct debit instructions. sigh!!

ya rec'd mine from citibank

no. will cancel some of the cards tho to 2 to comply. No outstanding so no worry and no problem with reduced limit. my income not certain coz on comm not fixed salary, last 2 yrs comm not much that's why falls under 36K

No payslip just commission stmt which is not more than 3k/mth

Rec'd a call from Citibank asking whether I have rec'd the letter to declare income. I told her my income is less than RM36K, she then told me nevermind just hold on to it first until they call again later. So I think the banks are doing something to retain those with good record but earn less than RM36K

I too have more than 2cc CL ranges 6K to 85K. So far only receive the letter from Citibank. At the moment just leave it as it is until they act on it, worse case retain 2 and cancel the rest. No problem.