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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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idunnolol
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 Jul 5 2011, 02:18 PM
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1. Annual Income: RM 54K according to Ambank calculation
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Paypal, Groceries , Food
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: None.
6. Others: Just Reached 21
7. Estimated Spending per month with the card: 2-20K
Its actually for my Brother. We are in a family business and the only real solid proof that most bank will accept is the bank statement as payslip is insufficient as we can forge it easily with our power.
Ambank calculated his yearly salary at 54k based on 50% of the monthly turnover. The problem i see with ambank is that there is not much promotion going on. Will we have any troubles applying from other banks?
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idunnolol
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Jul 5 2011, 08:49 PM
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QUOTE(Gen-X @ Jul 5 2011, 02:31 PM) Please read previous post, many like you. For Petrol, get UOB One Card, OCBC Titanium MasterCard or Maybankard 2 Cards. You earning more than RM100K and don't pay income tax? Boy, how long have I been subsidising you  Just go talk to any banks like how you approach AmBank, I am sure they can work something out. Maybe initially the credit limit will not be high, but with time, they will increase it once it is proven that you can pay. Best you see the banks where you have your business account, they will have your info and your transactions in their system. If your brother a signatory for the cheque, better still. As for AmBank, click link below to read my article on thier promotion. http://creditcardsmalaysia.blogspot.com/20...otion-2011.htmlBro , His personal bank statement is only 30K yearly. Ambank calculated at 54K because as a half-owner, He is entitled to 50% of the monthly turnover and they decided its the salary. Ambank is our primary bank hence no other bank have our details in it . Would other bank such as CIMB and Standard chartered accept the ambank bank statement and his income tax receipt |
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idunnolol
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Jul 6 2011, 12:55 AM
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Sure a bro? Because when i try to apply my housing loan also they require payslip la,epf statement la, bank statement etc etc . Never heard before can apply with just income tax slip
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