Don't like it, cut if off and tell them the reason is Crazy waiver conditions

Do banks have access to bank statements from our other banks?

Not legal as they are bounded by BAFIA Act.

I would like to ask, if we terminate the CC b4 the billing date. Do we still receive the monthly statement for the termination month?

of course. especially if you have transactions. even if you did not use it, if you paid for last month's bill. there will a transaction (payment) on the statement

Hey guys,

have been trying to get a credit card lately, but have been rejected by cimb twice and public bank once..

current basic salary rm2500 since february, last year to january 2012 rm2200.

however on top of it i have mileage claims and commission based on sales collection, which means my salary is different every month..

i have submitted all my documents needed to them:

payslip
ea form
epf statement 2011-2012
credit card form
i/c copy

extra info: i am not in any blacklist, as i have not taken up any personal loans. However, there those who say that becoz i do not have loan that i can't get a credit card

only loan i do have is ptptn

can someone guide me where i am going wrong with my application? thanks..

Documents requirement for CC application defers from bank to bank, if you have provided yours I think the best is to contact the bank customer service and see if they can provide you a reason for rejecting your app.

Do you have your monthly salary bank in to Maybank?
If so, you can try apply for Maybank 2 card.

Your income 30k before EPF is sufficient.

The credit card offerings from public bank not very attractive. You should try for better ones.

OMG, another MNet, copy my "hard work" word for word I was reading the thread below and thought it look familiar.

http://forum.lowyat.net/topic/2311960

This guy smsbusiness2U started a new thread on BT and copied contents and links in my article titled Credit Card Balance Transfer 2012 - Gone is the best 0% Interest Free Loan. and claim credit for it. I have specifically mentioned in my article that one is not to reproduce any part of my article.

And yet he dare to paste it here at lowyat.

The first time they said it could be because i did not include my ea form and epf statement, so upon the advice of the cimb customer service, i submitted all the documents required only to be rejected a second time, calling the centre only gets me an answer that i don't meet their credit criteria.

unfortunately my monthly salary goes into cimb, but i bank in myself as i receive the pay cheque from my employer.. i currently don't have a maybank acc..

my latest try is with hsbc bank, but yet to receive answer...

however, the credit card promoter said it could be hard to get approval for me as i have no record of being able to pay a loan.. eg: a car loan which is paid monthly...

is this indeed the case? man, i never thought that not having a loan can be such a problem..

I never paid a loan and MBB approved of my card.

Open a BSA account with maybank and request for option 2 with free ATM card.

Initial deposit is Rm20.

Then start depositing ur cheque into this account.
After 3-4 months, you can show the bank that your salary is stable.

Then try apply with maybank.

I think i will try ur idea on the maybank application.. thanks bro..

However, i have worked for 4 years plus, and i have always banked in to my cimb acc... and still they rejected me.. feel a bit sour with them..

plus i just called the credit card centre cimb, and they give me latest info that when an application is rejected i can't apply with them in a period of six months... what the h**l man.. why didn't the customer service at the bank tell me this...waste my time!

you need a credit history. HSBC is also quite picky

hi, can anyone advise on my closed topic?

http://forum.lowyat.net/topic/2313015

Talk to the bank and get Genting's clarification on the Start Date to be classified as Cash Advance

genting customer service is always...

that's why i wanna know whether can it tell from the transaction slip whether it's advance or retail...then i follow up with the bank

I believe it's based on Merchant Category Code of the EDC terminal which your card was swipe on.
Did you see the cashier swipe your credit card ? Did he do a retry on different EDC terminal ?

Years ago I did a Cash Advance...I remember on the slip would state "Cash" or something similar...the slip I have now is "Credit Sales"...which I presume = Retail

Just go to maybank and open an account.

Also, see if your boss can just do salary bank in to MBB instead of issuing you cheque.

Maybank seems okay in terms of the CC application.