Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Card v16, Ask general questions here, Please read the 1st post before posting!
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 Jan 3 2012, 10:57 AM
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#1
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Junior Member
334 posts Joined: Oct 2008 From: KL  
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okay.. dis is my 1st time to apply for credit card.. basically every bank will required 3 months pay slip, epf statement n bank statement.. normally how long it tooks to receive da card?? i have heard dat u can get credit card from mybnk 1 hour after u apply.. is it true??
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Jan 3 2012, 11:02 AM
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#2
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(hiansitt @ Jan 3 2012, 10:59 AM) maybankard 2, approve in 1 hour if document complete and apply at certain place (1u and klcc) if dun have epf statement can or not?? bcoz dunno where i can find kwsp kiosk around pj or sunway area..yes, document either payslip / epf statement or bank statement  Added on January 3, 2012, 11:17 am QUOTE(gkl83 @ Jan 3 2012, 11:02 AM) cant GET card within 1 hours... but will approve in very short time... my basic is rm2300 + allowance rm250 + unlimited claim.. staying with my parents.. juz bought a car last october.. so basically can my credit card will be approved??the credit card will send via courier instead (poslaju) to the registered address after the application approval after 1-2weeks... just do photostat copy / bank statement / company offer letter or any related documents which will let the bank think that you afford to pay the credit card later... This post has been edited by nabilfareez: Jan 3 2012, 11:17 AM |
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Jan 3 2012, 01:48 PM
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#3
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(hiansitt @ Jan 3 2012, 01:43 PM) as for my case, i received their call while still shopping at one u, approx 1 hour. then i visit them to collect and sign the agreement at the spot. so u received da card after 1 hour n can straight use it or not?? on my pay slip show rm2700++ bfore deduct epf.. so i think no prob.. yes, can, but your pay slip must show your gross income > 2.5k. |
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Jan 3 2012, 02:09 PM
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#4
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(princezs @ Jan 3 2012, 01:51 PM) if prompt case normally get within one hour, if first time apply i think need 1~2weeks for verification and approval, then you'll receive your card within 1-2 weeks owh.. thnks for da info.. |
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Jan 6 2012, 09:56 AM
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#5
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Junior Member
334 posts Joined: Oct 2008 From: KL
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i have read da requirement to apply for credit card is 3 months pay slip, bank or epf statement.. but few of my frens said dat u need to work at least 6 months in da same company.. then u can apply for credit card.. i have been working around 6 months now but in 2 different company.. i have works in my current company around 3 months ++ .. so can i apply for credit card?
This post has been edited by nabilfareez: Jan 6 2012, 09:57 AM |
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Jan 6 2012, 10:03 AM
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#6
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(HonMun @ Jan 6 2012, 09:58 AM) Call bank & ask so lazy to call bank.. need to wait for long time for them to answer da phone.. now at office sumore.. boss dun like staff to use phone during work.. |
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Jan 6 2012, 10:14 AM
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#7
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(WaCKy-Angel @ Jan 6 2012, 10:07 AM) Yes usually u need to be working in the same company for some time so that it makes an impression of ur secured salary. About 6 months to 1 year to be better. i have savings account with da bank + i have bought insurance wit them too.Anyway, if u apply card from the bank that has your savings account then i believe the probability to get approved is much higher Added on January 6, 2012, 10:16 am QUOTE(b3arbear @ Jan 6 2012, 10:08 AM) can, as long as ur annual income sufficient enough for the card u want to apply...doesnt need to 3 months payslip so much if u are fixed income earner, ie:u drawing 2500 every month, just give them latest month payslip will do or epf statement, for bank statement is to show the salary crediting when ur payslip is not acceptable, so they will only pend u the doc. my salary is around rm2700+- every month bfore minus epf. is it possible to get approved from da bank?? im 22 years old n still single.just submit copy of ur NRIC and your payslip along with application form then will do, anything the staff u call u up or they will mail to u and fllw up with any additional docs they need. This post has been edited by nabilfareez: Jan 6 2012, 10:16 AM |
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Jan 6 2012, 11:04 AM
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#8
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(Gen-X @ Jan 6 2012, 11:00 AM) RM2700/month = more than RM30K per year, you should qualify for a credit card with most banks. The thing is, you must take the initiative and go do some work and fill up the application form (and you will then also be informed on the documents required) instead of relying on your friend who is not processing your application and has no authority to approve or disapprove your application. okay.. thnks for da info.. |
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Jan 27 2012, 11:54 AM
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#9
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Junior Member
334 posts Joined: Oct 2008 From: KL
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wanna ask.. dis is my first time applying credit card.. how long the processing for credit card?? im applying for citibank & maybank.. if i apply today, when i will receive da credit card if my application got no prob?? thanks
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Jan 27 2012, 12:01 PM
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#10
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Junior Member
334 posts Joined: Oct 2008 From: KL
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QUOTE(Kabies1983 @ Jan 27 2012, 11:58 AM) For CIMB 7 working days 7 days until get da card?? but cimb card not so good la..  |
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