Which bank will normally approve credit card application of a contract staff?

I was a contract staff and only converted to permanent this year's June.
For the past 2 years plus, I was approved with CIMB Direct Access, Maybankard2Gold Card (they called and offered to me) and most recently OCBC Ti.

So far it is fine, so long you can provide them with payslip that proves you have steady income and fulfills their requirements. I think credit card is still OK to be approved if you are a contract staff but probably not loan, not that easy I heard if one is with contract employment.

With more women entering universities than men nowadays, soon women will also be holding more credit cards than men

Check out my latest article below if you are a girl (for guys, better just skip it as you may be offended):

GenY and GenZ Girls' Best Friend - Plastic Money

This post has been edited by Gen-X: Oct 15 2012, 12:25 PM

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This post has been edited by fly126: Oct 15 2012, 01:14 PM

noob question. do i need to sign behind my card?

A big YES. If empty, that card is not allow to use....

thanks!

yes, to reduce fraud cases too

Where can I find tool to compare effective interest rates vs. reducing balance interest?
I reckon this will help many of us to compare interest rates

Use Excel

You are sending a message it's OK to create debt via cc. It is not and we tell our members to treat credit card like cash.
If all members pay on time so why bother about interest rates ? It can be 1.5%, 15% 150%, or even 1892% per month and nobody is affected.

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Added on October 17, 2012, 8:56 amI choose not to reply because I see no sense in replying to the remarks. I do not wish to turn this thread into a playground thus the posts were hidden but your remarks left me with no choice but to go public. I have nothing to fear, do post your threats and attacks.

1. I have no intention to change the world thus I have no interest in those threads.
2. There was no personal attack involved contrary to your belief. The reply was in response to the post and not to the person.
3. If you wish and able to post a rebuttal to my remark, by all means do so constructively. Don't just talk about calculating credit card debt but to also post credit card interest levels vs. other forms of loans. The number of credit card defaults in the country - do it comprehensively. Posting and replying in a childish way ... well I let the readers decide.
4. I see no need nor wish to pick an argument thus I choose to not continue with the debate, so is that wrong ?

Now ... many may view credit card as a financial tool but it is the last tool to use to build debt. A tool can go both way ... the wrong way and the right way. Such debts spiral out of control very quickly because people build it without realising and in denial that they are in trouble with this "wonder" tool. My stand is to discourage posts encouraging credit card to be used the wrong way coming from this thread. If it appears in other sections of LYN, they are not of my concern. And there are sections which mentions credit card interest rates for education purposes.

And I kept my answers to just credit card topics. I never touched any other forms of loans/debts because they are not in my interest and I subscribe to other loans as well, just like any other guys/gals.

This post has been edited by hye: Oct 17 2012, 09:17 AM

My last posting that you deemed offensive was a question. Read again if you may. Threats & attacks? Wow, so judgmental & again assuming.
I don't even call it debate, i'm seeking clarification from you. Both of my postings that caught your attention was made in the form of QUESTION.
I'm not even promoting any banks nor did my post encourage readers to "abuse" their credit cards.
I'm open to feedback BUT at least do it constructively instead of assuming that my posts will mislead the readers here. I've gone thru my postings after your feedback & i honestly couldn't see what is wrong hence i replied again in PM.
You are seriously undermining level of intellects of masses here. If you think i violated any of the forum rules with my postings, please share it with me & quote those clauses. Moderation should be done based on that, not based on moderators personal belief. I stand corrected.
If i'm at wrong, i will apologize.

Your post has nothing wrong, but we don't like to "mislead" newbies on CC Interest Charges.
CC Interest Charges are evil.

You are smart, thus you ask smart questions... but there are also "not-so-smart" fellas reading this forum.

I for one do not want the Gov to use the escalating CC debt as an excuse to increase the GST.

You have put it spot on Ronnie - I was looking for that.

Noted on the concern.

i had a CIMB card 4 years ago, and i maxed out both cards totalling RM12K, now after 4 years i get a call saying that now i have to pay 22K which is inclusive on interest.

I want to pay this off slowly, they told me if if i pay the first RM300 for the first month they will get rid of all the interest and i can then start slowly paying it back monthly.

Should i believe them? This was the convo on the phone?

In any case of doubt, always call the bank listed number for confirmation.

Good deal. Why you did not ask how to go about it? Who to meet?