credit card limit

---

Added on September 22, 2011, 3:07 pmpenalty for early settlement.....

This post has been edited by kenshin1: Sep 22 2011, 03:07 PM

why i apply pl from hong leong after approved i go apply cc and also approved

mostly for gov sector / glc / listed company..... like bimb,br,bsn

---

Added on September 22, 2011, 4:37 pmcard is more easy to approve than ploan.....

This post has been edited by kenshin1: Sep 22 2011, 04:37 PM

then u say after pl approved then apply cc cant get

did i =.=?

Hi there..i just wanna ask if i want to make a personal loan, what criteria i should hace? imean the minimum salary and etc..I just start to work for 3 month, my salary is around 2.5k. no cc just a motor loan from aeon credit. so if i apply, maximum how much can i get? and 1 more thing, whoever work in bank don't you have a loan for superbike like car loan? becuase the price is much more higher..i hope you guys can help me..

juz wan to know why hsbc can approved my pl but my cc application they reject.normally pl is harder than cc to get approved

I am asking on behalf of my friend.
Can a student make a personal loan? She wanna buy a car and her dad will be her guarantor.

Is it possible? -,-"

scoring issue... hard to explain....this issue cant b controlled or adjusted

---

Added on September 23, 2011, 12:45 pmaeon credit is not in bank negara ccris record... so only HSBC u can apply max around 7k.....x3 of gross only...

no.. superbike ..no..no..no...

u can consult superbike buyer...

---

Added on September 23, 2011, 12:46 pmno working, no payslip... no car loan or personal loan... even though she/he has guarantor....

mayb ask her dad to b the principle will do....

This post has been edited by kenshin1: Sep 23 2011, 12:46 PM

I like to apply pl base on my credit card limit. Which bank can I apply?

This post has been edited by maggi_man: Sep 23 2011, 02:18 PM

6 years back i do got debt with 6 banks( mostly credit card) and seek assistance from akpk before it turns worst and finally settle all within 2 years.
recently i need some cash and going for personal loan but got rejected by maybank, al rahji ,scb,alliance and cimb. Alrahji and scb rejected due to i dont have any credit card nor any loan for the moment and the application is not even been consider by bank.

I went to bank negara to check ccris and the record is clean.

my monthly salary is 7500 and with all document: epf/income tax/bank statement/salary slip.

Now going to try aeon and last 2 option shall be hsbc and rhb.

just wonder why been rejected with all the document requires?

may be because of the akpk case? but i have settle all before getting worst. i think shall be the ambank case, i still remember that when i already start the akpk scheme for several months, their legal department still issue me court summon. After i have clarify with them, they just ask me to ignore it since i already have restructure it. But will the summon record still appear in ctos and that the reason why i still in many bank's black list.

just hard to believe with RM7500 monthly salary( without any loan/credit card for the moment) and still hard to get a single personal loan.

This post has been edited by erictan26: Sep 23 2011, 04:12 PM

all banks also can... ur limit?

---

Added on September 23, 2011, 5:25 pmyea... too clean n empty...
nothing to show are u a good payment customer or not.
this is the principle of applying ploan....

rhb also rej one..

try aeon / hsbc

This post has been edited by kenshin1: Sep 23 2011, 05:25 PM

I tried ask ocbc. they only can loan 3 times of salary if use credit card.

If said I used up my cc limit to take loan 5k with interest 4%

Then my cc will not be charge 18% pa rite?

bro, wat r u talking about @@????

there are, cash on call, balance transfer, ploan.....

cash on call (for certain banks only) call for taking out some money using ur credit card limit...paying with fixed interest like tem loan, credit card limit is locked for much u take out...HLBis 9.88%, some will lower like 4,5 etc like citi or scb ( if u own their cards)

balance trnsfer, u wanna transfer ur bank A card debts to bank B card....for regular outstanding interest is 17.5% (standard).... after transfer, ur bank A card is empty, 100% usable limit.... but bank B card limit is locked due to the balance transfered, but paying like term loan with lower interest, depend on tenure...some provide 6mth 0% or 12mth 0%...2,3,4 year, interest 3,4,5 something like that.....if late payment, kena back to 18%.. this is wat the banks think for customers..if u are not able to pay the bank A, u also cant payback at my bank....better earn ur interest than let other banks earn....hahaha ...*bank B card can b creting a new card or using existing card with low outstanding.....

ploan.. everything fixed....more secured.....we just using ur limit to estimate ur income...but not using to do BT or COC...so dont misunderstanding... so that's y when u apply a ploan.... u just nid to provide ic,card and bank account... but not using 3mth payslip,3mth bank statement...alot of doc...


i hope u understand...cos wat use ur limit and take 5k..and with 4%.....doesnt make sense

been rejected by aeon....is it so difficult to get loan if ccris is clean?? will try
hong leong.

why not u ask her dad to apply the pl ? that will be easier for her right ?

MBSB 1Malaysia Package

Found this. Interest at 4.90 - 5.20% per annum.

Hi guys. I'm planning to apply pl for 30k. Payback in 3 years. My salary 5.9k. Now commit to housing loan monthly rm1828 (29 years remaining) and car loan monthly rm765 (4 years remaining). Anyone from any banks can give me good offer? Pm me.

30 years and monthly rm1828?u live in bunglow?