I want to apply for RM100k personal loan. Just changed job , under a small , new enterprise. Salary each month RM10k, working as branch manager. Worked 3 months , boss not yet contribute my epf. Got car loan , got two credit cards. Credit cards always pay late within same month because salary always come out middle of the month. So ccris records all show 1 all the way. Owned these cards for more than 2 years. Car loan got once ccris 2 before this year. Is it eligible , to apply personal loan with ANY banks? I'm just 27 years old. Within my age , not qualified for over RM250k loan?