I have recently went to a few banks for personal loan applications. Unfortunately for me, I don't meet the requirements for those banks. Some only approves for Govt or GLC. Some minimum income of RM 3k per month, which I am not. And the latest is I'm not qualified due to I don't have any loans or credit cards, meaning currently I'm living a debt free life (except for MARA). Anyone can advice me on this matter ? I understand that RHB Easy is one option, but with high interest rate per annum, I wish to avoid it if possible.

How does credit card loan works actually ? Sorry for noob question.

Problem solved at the moment. I've send my application for PL and credit card under CIMB. Waiting for approval. At last finally a bank accepts my application.