guys whats the diff btw Maybank 2 AMEX - Platinum & Gold?
other than the min annual income of RM 60k & RM30k? thxs

purchase protection and travel insurance. refer to the maybank2card thread for more info.

Hi all,
Need an advise. My situation, I want to clear off my cc debt amount of rm10k

I'm interested with these 2 offer
1. Ambank Balance transfer - Ambank promo
2. Al Rajhi Personal Financingi - Al Rajhi Personal financing promo

The diff
1. 8.99 pa and come with gift(40" Sharp LCD or Sony Xperia arc)
2. 7.25 pa

My plan is to settle witihin 2yrs.
Thanks in advance.

For Ambank Balance Transfer - Minimum tenure is 36 months, which is 3 years if you want the FREE GIFT.

Else, opt for personal financing, or head over Balance Transfer thread for other credit cards BT, lower interest.

AmBank launches 2 new premium cards

AmBank (M) Bhd has launched two new premium cards, the AmBank World MasterCard and a Syariah-compliant AmIslamic Bank World MasterCard.

Read more: AmBank launches 2 new premium cards http://www.btimes.com.my/Current_News/BTIM...l#ixzz1lDwFRu4I

now wat document to apply cc

refer to the cc web page for requirement

I have never had a credit card before
I do not have any outstanding loans at all (staying with parents)
I am trying to apply gold card (annual income requirement RM30k and above)
My annual gross income is around RM37k.
I have FD placement with the banks I am applying (more than RM30k)

Documents I provided to bank:
3 months latest salary slip
Increment and bonus letter
EPF statement
Bank account statement
I/C photocopy

Why is my application still rejected?
I really can't understand.

Sifus
Any idea what went wrong?

MOD Note :
This post contains inappropriate language which has been edited. I don't condone this sort of language in this thread.
Must exclusively use vulgar language to show you are angry ? Don't use vulgar language means you are not angry ?

This post has been edited by hye: Feb 3 2012, 11:50 PM

no car loan? become anyone guarantor before?

No credit history, too perfect record = no good.
Sounds weird but thats their benchmark - credit history.

Anyway, they should give you the credit card. Try other banks as well.
I remember my 1st credit card was the hardest to approve although I was having gross income of more than double the required amount. In the end, I tried 5 banks. 2 approved. One year later, what bank also approve my credit card application.

Hmm, Your application should easily be approved by the bank isn't it?

NO.

people without credit history are bad deal for bank. even with healthy bank balance.

This post has been edited by cracksys: Feb 3 2012, 02:43 PM

what is credit history? loan? property?

Owh.. I see. Then you better have something on hand eg Property perhaps?

car paid off liao
no guarantor to anyone

Is my car loan considered credit history?
Does settling the loan early make my record too good? =,="

so far HLB & MBB rejected me.
CIMB also, but this maybe understandable cos I only provided 1 month salary slip

That's what I think but clearly is not the case here

any credit payment history with bank. ah long exempted.

I'm just afraid there's fraud involved.
Maybe somehow, someone used my IC to apply for a loan. (which I do not know about)
And then, the bank saw that I have a big commitment, hence refuse to give me more credit.

Actually I don't need their credit
Just want the convenience of carrying less cash around

---

Added on February 3, 2012, 2:56 pmI have credit history.
I took car loan before.
But I settled it after 2 years.

Everyone starts off without any credit history anyway.
If because of this bank reject, then where does one begin?



This post has been edited by ycyip: Feb 3 2012, 02:56 PM

hi all

if i want to cancel my card (still has 6 months ezpayment), can i transfer the ezpayment to my new card?

if that so, you can request for your CCRIS from bank negara. just walk in with your IC, free of charge.

Thanks for advise.
Need to plan and take leave one day just to go down KL =,=
Haiz hassle, if only bank will state the reason for declining!!