With you owing so much to the banks, why the heck you need another card for?

I remember once you posted if KL got merchant willing to swipe your cash in exchange for cash... did you find any?

It's a good thing to check our CCRIS once in a while. Well, BNM limits us to check it once everyone three months only. I wondered how's your CCRIS report looks like. No remark at all i suppose ? Mind to share  

Well, if you ask me, you are lucky if another card issuer issue you a card with CL RM20K.

I was terribly surprised when you owe credit card so much money whereas you afford to settle it. What is the reason behind still using credit card?
1)Does credit card rewards u with free trip, freegift, etc? Yes.
2)Or u wan to let the govt know u in still debt & avoiding some taxes? Yes.
3)Does it cheaper to owe credit card than take loan from bank? No. More flexibility yes.
4)You are credit card lover? eg like to collect credit card Yes.
You must have yr reason for it , right? Please enlighten me

I think all his balances must be the result of rampant balance transfer

No, I doubt it. Taking a wild guess, he must be either partying hard or likes to visit our city in the heaven or maybe our neighbour resort island  If really for business, well he must have been conned often since he's still a kid

If it is not balance transfers, then it is either retail balances or installment plans (if you include this as outstanding balance)

Paying minimum & being charged on interest rates for the outstanding balance is not really a smart way. Anyhow it is your money & life, spend as you see fit. If it is installment plans, then it is alright.

On the new card application, since your records are clean then it should not be a problem. CL offered should be between RM 40k to RM 100k.

Try apply UOB, OCBC and Public Bank to see what CL they give you 

I believe Vanderbilt's girlfriend did submit her payslip because it is impossible to get a credit card approved without your latest payslip as supporting document. Maybank no longer allows one to apply for their credit card simply using an existing credit card from another bank as reference for months already.

submit her payslip and she would get an increase.

Aiyah, if she really really needs a higher CL, ask her go get the AMEX charge card lah.

Credit Limit also got good or bad deal ar If she really wants to know, ask her go apply OCBC and see what she gets and then if she don't mind sharing the info let us know.

welll, if she apply OCBC CC then we will know she got a "good deal" or not, won't we?

exactly, I also blur what you mean when you said your friend want to know good deal or bad deal  Who really knows how banks assign credit limit for those earning RM36K and above.

If OCBC not suitable, try MBF for comparison sake. But I can tell you one card that can give her higher CL, ask her go apply CIMB VS, with her salary, she will get higher CL than her MBB 2 Plat. But will you then say she got a bad deal for he MBB 2?

Hi guys, is it possible to use CC to pay MBB hire purchase loan?