i applied cimb credit card today and emailed them my form, ic, and latest payslip. when asked if they need any other supporting, they said no need. when i checked their website, they need bank statements and epf statement. why credit cards are so easy to apply ? i hope i can get approved so i can use it immediately. can banks check our epf account thru their banking system? or check my savings account with other banks?

ya, thats the question. my friend works in a bank said he can do background check on any residents in malaysia by having their ic number and name. pretty scary huh. he can check his/her income, monthly commitments and even epf contribution instant using his banking system. i'm not sure other banks can do that. p/s: he dont need physical ic to check

another citibank officer told me that applicants whom supply proof of epf or bank statement while apply credit card, automatically give them the rights to directly check your epf or bank account full history and transactions. even though you only supply them latest two or three months proof. but without those proof on paper, they cannot check anything at all. so different banks probably got diff system

Can ccris late payment 1 month cause credit card application to ge rejected?