Just want to ask, when banks put the minimum annual income for cards is it gross or net?
Meaning, does it minus out the EPF/Loans/Income Tax/etc or just the amount on the payslip.
Just wondering coz I am rejected by OCBC for the Ti card and I'm earning roughly 60k p.a. but with Housing Loan.

haha, actually i dont have any obligation to apply for any credit card. i stick to use maybank credit card.

few months back one agent in shopping complex approached me and well, she was literally begging me to apply for it saying that just apply whether later got can reject. i was kinda soft hearted so i just applied.

well the same thing happened today and she told the same (this time different person,  different bank) but this time i told her to wait, give me her contact number and i will think about it.

please dont get me wrong this is not about girl or guy approaching me. this is how they approached. normally those agents will approached me and i will just walk by and they dont have interest to follow me for quite a distance and begging me for it.

i am not so worried about credit limit, actually just thinking. so i am asking thats all. this credit limit comes to my mind when i was thinking about whether to take another credit card or not.

quick questions. maybank ezypay is available on all maybank cc right? or islamic cc dun have? 

im undecided between two maybank cards now 

these two,

PETRONAS Maybankard Visa and Maybank Islamic Ikhwan American Express Gold Card-i

My annual salary is RM 25k+. No loans. No prior credit cards. This would be my first credit card.

1. HLB Mach card via bank personnel - Rejected.
2. UoB One card via online - Rejected.
3. RHB Tesco card via bank branch - Rejected
4. RHB Evo card (same time as above) - Rejected

Sigh. I really want to know the exact reasons why I'm being rejected but nobody want to tell.

Edit: I've also checked CTOS and CCRIS. I'm clean.

Hi, I need some confirmation from you all. I just got my credit card last Thursday, when i pump petrol at station, total amount was only Rm65, but when I received msg from CIMB, total rm200 was charged on my card. When I called the Credit Card call centre, i was told it is normal if pump outside instead of going to counter? Tht means everytime i pump petrol outside, I'll be charged Rm200 instead of original amount? Then end of the month only I can get my right figure on petrol? Anyone facing this problem before?

Crap. Really don't know how these things work.

House loan can get, card application kena decline. 

Now they want me to write in.
It is so inconvenient when I'm not supposed to be penalized for something which I didn't ask for.

Yeah, I actually mentioned that to the CS via their online chat. I told her I wasn't happy that this came to me unexpectedly and I will write to BNM.
I must admit their online chat is really useful to get quick reference.

where to check for Call for Cash offer?

i open a thread asking about more info about it and someone and somehow removed away my thread less than 5 minutes without reminder or advise.

Thanks for the answer.

What is the average CL that RM2000-RM3000 salary-man could get?