Aug 23 2012, 05:40 PM
QUOTE(zulhisyamr @ Aug 23 2012, 02:56 PM)
1.Annual income:Rm30k
2.free annual lifetime fee:yes or minimum swipe
3.Card required:petrol,groceries,shooping,flight,oversea transaction,hotel
4.Existing credit card:no
5.looking for cc: any bank
6.other:my application already rejected by citibank
Try OCBC. Their min requirement is 36k pa for titanium but then again, anything is possible. Do u have any loans / FD with any banks? if yes, you can try applying with them- it might be easier for them to approve since it is not a new risk , provided you are a good paymaster. Try re-appealing for citibank, sometimes it works.2.free annual lifetime fee:yes or minimum swipe
3.Card required:petrol,groceries,shooping,flight,oversea transaction,hotel
4.Existing credit card:no
5.looking for cc: any bank
6.other:my application already rejected by citibank
Added on August 23, 2012, 5:44 pm
QUOTE(bananaking @ Aug 21 2012, 02:01 AM)
I'm looking for CC that allows the credit to be converted into 'personal loan' at a good deal.
eg. Maybankard Ezcash can convert 90 percent of credit limit to cash (deposited into Maybank account) at a one time interest of 3.88 percent. After that only need to pay back instalment for six months, interest free.
Link: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
In a way, this is a cheaper way of getting 'personal loan' compared to the normal ones which interest is much higher per annum. Are there any other credit cards that provide this service and is as good as or better than Maybank? Please advise.
Are you referring to a CCBT? yes, many cc has ccbt/loan system.however, most banks only allow you to apply for it >6 months and it is subjected to approval.eg. Maybankard Ezcash can convert 90 percent of credit limit to cash (deposited into Maybank account) at a one time interest of 3.88 percent. After that only need to pay back instalment for six months, interest free.
Link: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
In a way, this is a cheaper way of getting 'personal loan' compared to the normal ones which interest is much higher per annum. Are there any other credit cards that provide this service and is as good as or better than Maybank? Please advise.
And also, nothing is interest free if you actually take into account of the "processing fees"
This post has been edited by cutejams2004: Aug 23 2012, 05:44 PM
Quote
The easiest bank that I have come across is citibank. I applied for a card with them, did not give any payslips and did not bother providing my employers details. Filled up the form at a roadshow but then I was not keen to apply for the card when i went home. The sales guy wrote his own story as to where I am working, and when they called me for verification on that, I told them it is false and did not provide any further info on my actual employer. 2 days later the card was approved 
And my annual income is lower than yours...
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