Sorry to say this, but the mistake is still yours for not reading the card min requirements on the form before signing it.

Agreed. @onthefly you knew very well of your supplementary card status but yet you submitted the application. I won't speculate whether you intentionally or unknowingly submitted the card application - I believe you can answer this yourself and in fact well aware and in full knowledge of your own intent.

Well known fact that only principle card holders can use their card as reference. You cannot blame others except yourself in this case and appreciate if you don't compound the situation further by asking for the manager.

Mine is already 9 months. It was increased January of this year.

Btw, have anyone receives letters from bank asking us to prove our income yet?

wait a minute. i don't get it. you applied with a supp card as a reference card? i doubt it make any difference. the last card i applied don't even need any reference cards.

This is unusual. Don't see any reason why MBB would have any issues if you asked them about it.

Ok it partly my mistake but i really do not know the procedure as this is my first time applying CC.
i want to apply as a principle. she ask me if i got any exisintg maybank card? i just show mine. i do not know until now that i can`t use a supp as a reference BUT last week i went with my fren and my fren did the same. show IC, pay slip, and a maybank sub card and next few hour he got his card. In my case., i gave my pay slip and IC but she said not needed.


she ask if i have existing maybank card. i gladly show my supp card.


ok the question now is.. can i somehow still able to apply for this card? that fella told me
1) you can try to submit again at another branch
2) as me cancel my current sub card n apply again
3) ask some1 to apply for principle n give me sup
4) wait 6 monts
5) ask me open a FD account to get a card

i am sure things can be reverse or some exception. like wth 6 months ? don`t they want customer ? and the reason for calling in manager is not to find fault. i was hoping the superior one can overwrite rules as my fren applicatoin in HSBC got rejected, he called up manager and got it resubmit and he finally got his card.

This post has been edited by onthefly: Sep 11 2011, 01:33 AM

The reason in bold is why your friend got the card, not because of the sub card. If you really want the card, then bring all documents to counters/road shows in shopping centres and get the agents to apply for you. You can also try the maybankard centre in 1u

As mentioned, banks look at your eligibility. In your case, your friend's application went through because of the salary slip and I strongly believe the supp card reference was outrightly ignored. As for you, remember to always read T&C and understand before signing anything. Many times in this forum, people come in and blame just about everything and everyone except their own self - coz if we ask detailed question then it is obvious simple things like making effort to read T&C were simply ignored.

Applying credit card require proof of income (everyone knows that) and supp cards uses the principle card holder income reference and not your own. Surely you could have figure this one out ? So to blame the girl / others is simply not right. Bear in mind (except to the trained bank staff), the difference in supp card and principle card is not noticeable as you need to input the card number before the system tells you.

Reference card information are sometimes and definitely the income requirements are written in the application form ... are you aware of the existence of the T&C and have read the T&C in the first place ? Saying this as the supp reference card would not be able to provide any information regarding your financial profile and possible income then isn't it very obvious that the bank will reject it outright?

So what do you want to do now ? If you want to apply then go to another branch and this time bring all your income documents, read the T&C (however in fine print they are) and learn not to blame others first ... always reflect on yourself.

(I can't believe I'm saying all the above)

This post has been edited by hye: Sep 11 2011, 03:20 PM

Yes. It's real.

I can't believe that you are repeating what is so obvious, hahaha

yes you are right, one cannot apply with supp card.

when my wife applied for her Maybankard 2 Cards before CNY (at 1U booth with MBB HQ staff - not at card centre), she gave two cards for reference, one her own Alliance Plat CC (less than a year) and the her Supp Amex charge card. And when I got home, faxed over borang BE. Found out just before CNY with MBB CS that her application was "rejected ". Then after CNY called MBB staff that took the application and she said checked system it says can't process based on supp card. I guess her Borang BE never reached the processing dept. So refaxed BE Form to the agent and her application was approved.

Click here to read about My Wife's Application for Maybankard 2 Cards. She ended up having her own MBB 2 Principal and also supp from me! So, I get up to total RM100/month cash back from MBB 2 Last weekend my wife bought her cake mixer costing RM2K at Best Denki, she charge RM1K to her MBB2 AMEX and the balance to my MBB 2 AMEX and it was like we got discount of RM150 (RM100 cash back and RM50 with 5xTP)

This post has been edited by Gen-X: Sep 12 2011, 07:01 AM

Well ... many years ago I did the same thing. I was so eager about getting a credit card and used a supp card to apply although deep in my heart I think the application would not go through.

The bank agent (female) was also very eager to accept the application. I can't remember which bank was it but I was patient to wait for the next window of application.

The guy who posted was extremely upset coz he claimed that he offered the salary slip but was refused by the agent. Frankly, it could have been different if the guy told the agent "This is a supp card. You will need the salary slips". The agent had no idea that this was a supp card thus refused the salary slip - simple human nature to make things simple and quick coz already the application had so many pieces of paper stapled together.

Of course it is simple to blame the agent for the application rejection but all he had to do was just to admit the card is a supp card and the outcome could have been different. IMHO, it's partly the guy's fault (sorry, I'm just stating my honest opinion) If still the salary slip was rejected after the info was given then it's purely the agent's fault.

This post has been edited by hye: Sep 12 2011, 07:29 AM

Currently I'm using a HSBC Premier card as I haven't had any other options (no employment in Malaysia) shortly this will change - however I'll be employed by a Labuan company - would that income also count as proof of local income to apply for CC with better benefits?

Yes ... however some banks would prefer you to be able to furnish with a couple months pay slips before they accept your application. (I assume you are a Malaysian as should you are an expat then my answer would slightly differ)

On I can wait a little until I have a couple of months payslip.

And I'm an expat, not Malaysian.

looks like my scenario, i go try apply again. this time i will say. " THIS IS MY SUPP CARD. AND I GIVING U MY PAYSLIP WHETHER U LIKE IT OR NOT"

btw genx great website, help me alot

This post has been edited by onthefly: Sep 12 2011, 02:47 PM

thanks for reading my post. If you are in Klang Valley, just goto 1U Maybank Card Centre and you'll get the card on the same day. Do bring income tax documents if you have as it is a better way of proofing your income.

Out of curiosity:

Do banks still accept credit card application using the "prompt" method without full income doc submission? I thought BNM made a ruling since few months back applications using this method is no longer accepted?

don't bother providing supp card

some updates. called up mbb HQ and got the greenlight to get mbb2. yay

i want to apply credit card
anyone can help me