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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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HeartMePlz
post Mar 19 2012, 03:12 PM

Getting Started
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Junior Member
180 posts

Joined: Aug 2009
1. Annual Income: RM48000

2. Free Lifetime Annual Fee: Must if possible

3. Card required for: Backup

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any(Applied for Maybank / Citi) Both Rejected, duuno what the main issue, currently applying CIMB, waiting reply)

6. Others: -

7. Estimated Spending per month with the card: 1k+

This post has been edited by HeartMePlz: Mar 19 2012, 03:18 PM
HeartMePlz
post Mar 20 2012, 11:48 AM

Getting Started
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Junior Member
180 posts

Joined: Aug 2009
QUOTE(Gen-X @ Mar 19 2012, 03:32 PM)
Maybankard 2 Cards which are FREE FOR LIFE  smile.gif And by spending RM2K with the AMEX which earns you 5X TP, you can earn 10,000 Treats Points to offset RM50gST.

Since it is for backup, in case the AMEX not accepted, you still got the MasterCard or Visa  smile.gif 

Click on the link I posted above in my earlier replies to learn more about Maybankard 2 Cards.

And since you are new to credit cards, click here to read my article Introduction to Credit Cards 2012
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I do applied it before, but it rejected me... Perhaps I only holding the latest offer letter instead of the payslip
HeartMePlz
post Mar 21 2012, 10:16 AM

Getting Started
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Junior Member
180 posts

Joined: Aug 2009
QUOTE(hye @ Mar 20 2012, 01:13 PM)
With salary slips banks can check - the EPF (whether it is paid to in approportion to your salary), Tax deduction, salary deposit with the respective bank.
Does an offer letter contains all these information ?

Offer letter does not prove that you have the income. You may have an offer letter which offers you a salary of RM50k (or whatever number) per month but do you have the income until is is paid to your bank account ? - NO
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Hi, I do holding latest feb pay slip as well which is pure 4k, and the last 2 months which is basic 2.1k plus 2-3k commission... Average is 4k per month..

If maybank rejected me, can I tried it again? How long should I resubmit again . Thanks
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