i already sent them what they want! latest 3 months payslip, epf statement and photocopy ic. still not enuf? 

why my cdt card application always not approved? My annual salary is >60k... i've applied for MBB cc for 6x & citibank 2x, but not approved. WHY???

Hi all,

May I know if I just start my employment which is 4 months now, can I apply for a credit card?

I wonder the income requirement is based on gross income or net income?
4 months only dude.. lolz

Most of the Bank Now refer to Your EPF 1st (min income. $2000 - Syer Pekerja=$220)

Thanks for your good new 
I start work on Jan 2013. EPF statement only showed Feb, Mac and April. With this, do you think I can apply it?

For your all info, I want to apply OCBC Titanium credit card. My gross income is Rm3k+. But EPF statement only showed 3 months record. Do you think the bank will approve my application?

Another question, do I need to open a saving account before applying OCBC credit card?

Thanks in advance

GIRO transfer still requires RM 0.50 to RM 2.00 per transaction isn't it?
The revised rate will only take effect on 2nd May.

All I can say good luck for your OCBC Ti application. My first application was rejected despite having more than 48k annual income and was only approved in the second time after appeal.

Usually if your first credit card application is OCBC Ti, the chances to be rejected are pretty high. This is based on other forummers' experience as well. Nevertheless, this worth a try.

Nope, I don't have any savings account with OCBC. I paid my bill via GIRO through Maybank.

RM48k annual income also reject? Did they state any reason? If I walk-in the bank to apply, do u think the chance to be approve is higher?

For your 2nd application, how long does it take to approve your application?
I just went through UOB One Card. I apply cc mainly for bill payment (i.e telco, astro, utilities, etc) UOB One card only give 2% but OCBC give 5%. However, UOB One card no minimum monthly cash rebate.. This is the winning point.

Do you know is there any promotion due date for UOB One Card?

For now, I will try my best to apply OCBC Ti 1st. If cannot, UOB One card is my 2nd choice 

My agent can't guarantee as well during that point of time.
Guess what after 2 weeks of appealing and still heard no results, I called OCBC hotline myself and spoken to one of the CSs. I told him I'm very disappointed with their service and rejected their potential customers' application despite fulfilling all the requirements.
He checked my record and noted that indeed my income requirement was sufficient and my record is clean.

In the end, he said he will escalate it to the higher management. That was on Friday's evening and on Monday my card was approved without my knowledge. Tuesday's morning, one of the OCBC guys called me and told me my card was already approved and already sent out to my house.

Coincidence or the CS guy did manage to escalate? I don't know.

I'm not sure as I told you OCBC Ti is very strict in their selection criteria. God knows if they have any hidden criteria that not made known to the public.
If no credit history is also another issue, like your case. Unless you have house loan or/and car loan in hand as well.

Basically, Maybank gives 2 cards but my VISA card is always kept in wallet. We only concern about AmEx. 5xTreat Points 24/7/365 and 5% rebate for any transactions that fall during weekends. The only drawback is AmEx is not so preferred among the merchants compared to VISA or MasterCard. However, most of the big merchants now accept AmEx. You can refer to this thread: https://forum.lowyat.net/topic/2035710

For weekends, no doubt if the shops accept AmEx, I will use AmEx.
For weekdays, I will use my OCBC Ti. For my telco bills, I will use my OCBC Ti as well.

Anyone here using rhb travel money ??? Rhb jus offer n approved this card to me .. Is there any annual fees i can waive ???

I also hope they easy their CC approval. I have make online application of OCBC Ti credit card last weekend. I still have not hear any news from them =.=

Is it necessary to apply on working days? or do I need to call up the customer service line to follow up? 

ic.. lolz.. how do they reply you? by email? by phone? or by sms?

Shyt.. I got one chance only.. after reject, there is no time to make appealling

Really? 

easy to get approval for UOB one card from bank??

Thinking to apply for it recently. This card will be spend for Petrol & movie only.

Is this card CL higher from the bank given?

Yup, I got the best comba. 

Reason why I need to apply this card is because want to utilize the cask back between these three cards.

UOB one card is use for petrol and movie on weekdays (hope can get high CL for emergency purpose if necessary and there is no extra charge for this card if swip 12 times in a year)

Other thing use for OCBC on weekdays and weekends (as this is only capped cask back RM50 per month)

Amex only use on weekends (eveything if the mechines avaiable),

Somehow, will depend on the situation like as per below:

Eg: spend sth on Jusco on weekdays, will pay by Amex card instead of OCBC, as OCBC only cash back 1%, although Amex only reward point x5 but equivalent to 2.5% cash back.

Haha, to be honest, not ok for me..

That y I need another card although im not high spending, just for in case...

Few times exp before, I cannot use cc for payment due to limitation credit, need to borrow from friend or go to pay some money to bank then only can use which is inconvenience cause.

But all the spending are under financial control for sure 

I hold 17 CCs and have zero issues getting new cards approved within 2 weeks
RM0.00 balance by Due Date.....   

Haha, no worry, won't apply so many cc la

I tot u r the one who hold many cc for 13, but now is 17 cc   

17 cc still can apply? You are managed well bro 

You (fly126) are applying OCBC cc right if I no mistaken, good luck for your application and to be total 14 cc... Haha