That's right, someone will call you for verification and it's all the basic questions. After this, you can already use the card.

CCRIS is always delayed in the updates (as they claimed the delay were from the banks!)

Oh good! How long does it take for the card to reach us?

Really? It is always very fast for me in terms of card application. Once it is approved, it will be reflected as approved and if rejected, it will disappear.

It's within a week. After you receive the SMS of the activation code, the next day usually.
Delivery guy is from Citilink.

yes, same
when checked eccris it shows pending
but officer called approved and got sms approved
weird right

Good to hear this. Thanks for the information.

Yeah, so weird. So far still no call yet. Let's see.

An update, I got my verification call at around 3.30 p.m. yesterday. The CS asked me several basic questions, but one of them was rather weird. I put my hometown address as the permanent address and my sister's house address as the residential address (I'm now living at her house most of the time). She asked if I had any other addresses besides these? I was puzzled. Then, she asked what about any address at another place? I answered yes, and it is my own house at KL. Then, she said there was no need for me to read out the full address; just the area would do.

She also asked if I have any hire purchase loans with other banks.. Not sure how this is relevant to them.

What an "extraordinary" bank.

Anyway, long story short. The CL being granted is slightly lower than my one-month salary. I must say it is a very conservative bank. The officer said they have 6-month of 0% BT for its new customers, but it only allows 40% of CL.

I received the activation code this morning, and I guess I will get the card soon. My story is finally ending. I'm relieved.

That officer is incorrect. 6 months 0% BT (80% of CL). Applied yesterday, approved on the same day. NTB only

Oh really? Let me find some details and send to her.

May I ask how generous is alliance bank in the giving us credit limit? HSBC is very stingy.

Mine was just approved yesterday, and HSBC gives me a much higher limit than Alliance.

Technically the officer is correct . 40% of CL for six months 0% for FAST CASH . But 80% of CL for BT . I just did it a few months ago .

This post has been edited by Zenith5229: Jun 8 2022, 10:26 PM

I would say, an Okay CL? RM 2xxxx.

But i do find out that it depends on your CCRIS/CTOS, monthly payout/salary, payment behavior history, etc.

My bro also got VI from Alliance, but his CL is about 60% of mine.

Ah, got it! Let me ask her about this.

the credit limit they given is very low...probably the lowest among all the cc I applied before, hahaha!
i did contact their CS to ask whether is it possible to increase the credit limit, they said you can apply for the increase after 6 months...

since they already capped the points limit, I guess it is also meaningless to ask them to increase the credit limit..

Hi, would like to ask does anyone get the right point from this month statement? I am still getting wrong amount and just give them a call to follow up...

Do you get the correct point in your latest statement?

May I ask why you apply this case? any special feature attract u?

Nothing special, just wanna change my spending to airmiles cards.

I remember you are using maybank premier? this card only good for online transaction as far as i know?

Hmmms, last month i got exactly RM 3k x 8 = 24k TBP.

Lets see this month. But my statement date is almost end of the month.