How do you view that ?

er, login to online banking, go to My Preferences > Update Personal Particulars
SCB did not captured my salary nor my employer's name

or is it they did not display it

ronnie, can u chk urs and see

This post has been edited by alexwsk: Sep 7 2011, 12:32 PM

Don't update this info unless you want your details to be "sold"

Can we edit it? Put 200k ....hohoho, let it update back to BNM

Hahahaha, why don't you try and see if Jabatan Hasil comes knocking on your door to collect your unpaid taxes for your "MYR200k"

If really the case, tell incometax BNM give u the false information and you show them your payslip...lolz

The link did not say that those "supposedly" to be earning more than RM36k/pa do not have to update their income record at Standard Chartered.

sorry, they didnt mention but the intention is supposedly for that

Eh, so those income above the threshold need to update the income record or not? wah so mahfan if need

if just after 1 year using the card, need record

I own CCs from more than 2 issuers. My annual income atm is a couple of hundred short of the Rm 36,000 mark. All of my cards' anniversary are around May-July. My salary will increase next year, bringing my annual income over rm36k, when that happens. I have some questions some of you might be able to answer.

What if I do not cancel/ or bring down my cards down to only 2 after Dec 2011? Would I still be able to keep them and wait until the anniversary date of my cc in 2012? By that time (anniversary), I would provide my new income details. Thanks.

Nobody can be absolute sure.
One thing for sure is that the banks are going through the exercise of updating the income records now. As for your cc, it is visible to all banks and the bank will force you to cancel as they don't want to run foul of BNM rules. As for the consumer side ... it is either the banks or BNM will take action on you. As your income haven't exceed that mark, I doubt the bank will entertain you (if they do then they got to make exceptions to the whole of Malaysia). It is your word vs. what's written B&W.

Why worry if your income will exceed that mark in 2012, you can always apply for another card anyway ?
If you want to risk it then you can do so at your own risk.

This post has been edited by hye: Sep 8 2011, 11:31 AM

Want to ask a question
if a person annual income already exceed 36K, after he submitted his income statement as requested by the bank. Is it possible bank will adjust his cc CL according to new BNM guideline? prior to submit the documents, his cc CL may be 20x of his monthly income.

It is a likely possibility. Nobody can tell you for sure because bank has not taken any action yet.
Even if the person know, no one is going to post such info here or risk losing their job with the bank.

thanx for sharing your thought

noob question: when do bank start charging CC annual fees? upon approval like the GST? or after u hv use the CC for a year?

it depends, if the card comes with 1st year free annual fee then the next year. Some cards even comes with up to 5 years annual fees. So ask and confirm before you sign up the terms and conditions.

What can I do so that Maybank will report my new credit limit on CCRIS? They last increased my credit limit this January and it has been 9 months now. I need to know so that I can word my request properly as I do not want a backlash from them cause if it happens I scared they won't increase my credit limit for this year heh.

CL info along with repayment info is updated in CCRIS with a 2-3 months lag.

the story is

the fella thought i was principle and submitted my application. that fella did not ask if it was principle or supp

now come tell me "why didn`t u tell me i am supp earlier" and told me i need wait 6 months. i like wth? i ask for manager. say manager not in.

can any1 enlighten me wat can i do or faced this problem before. can i appeal??. obviously this is not my mistake.