I've tried applying for personal loan and was told one of the main reasons of it getting rejected is because I don't have any credit history and it's difficult for them to approve.
So best way suggested to me was to get a credit card with banks first.


1. Annual Income: RM48k.

2. Free Lifetime Annual Fee: If possible then best, as main reason getting CC is for the future loan application.

3. Card required for: Just to have a few credit history going, but will mainly be used for petrol and shopping.

4. Existing credit cards if any: Supplementary cards from parents.

5. Preferred Bank or Considering CC from banks: Not really sure what's the difference, but prefer the lowest interests/annual fees.

6. Others: I am mostly located overseas, hence spending will be overseas.

7. Estimated Spending per month with the card: RM1k for petrol overseas.

And I was actually off the company for 2 months (April and May), only back to work on June and have payslip for Feb, Mar, and June, will that still be considered as "recent" 3 months payslip?