Ya, strange ...
IS it possible due to having many credit cards on hand?
I am currently having 4 CC,
just cancelled 1 CC last week before applying this new CC.

That is possible. When I applied for the first time, I had a few more credit cards which I subsequently cancelled. If you have any existing balance transfer, that would also affect your application.

In my opinion, each bank has their own way of deciding whether to approve or reject a CC application. Unfortunately, this information is classified, so we can only make guesses about their criteria.
The best you can do to improve you chance of getting approved is to maintain a good credit history. Make sure you pay your credit cards in full every month, and make sure you don't have any outstanding balance on any of your loans (e.g. PTPTN).

However, even with good credit history, it's up to the bank to reject your application, so there is also an element of luck at play.

Maybe need to reduce CC number...
I clear all my swipe amount every month...
Thanks.

Noted...
Have to try another time...
btw, we can decide the picture display for this CC?

Yes, you can, though I didn't do it for my card. Refer to the FAQ for more info. http://youniquecard.alliancebank.com.my/Yo...e_faq_v1.0.html

Received call yesterday from Allaince that my application is approved.
He told me that the previous SMS is system error...

Congrats!

Would prefer you convert the TBP to Airmiles if you are frequent flyer. The conversion rate is one of the highest among the banks in Malaysia.

Unfortunately I don't travel much. Thanks for the info anyway! Will keep this in mind in the future.

Hi, may I know the younique cash back credit card's total cash back accumulation per circle is based on calender month or statement circle? Thanks.

Statement cycle

Thanks for your information.
Btw, they are calculated based on transaction date or posting date?

Thanks.

Hi I have just got my alliance credit card from ringgitplus approved. I shall wait for the unique code for luggage redemption or call ringgit plus straight away? They will automatically send me the code through sms or how? Thanks.

Hey guys, just want to clarify something about younique's cashback (the table on their site seems a bit ambiguous to me)

So if I buy a phone that's worth 2.1k with the card (and only that transaction for that month), I should be receiving 3% cashback?

Nope.. the cashback is tiered.. so for that purchase, you will get RM23 of cashback.. calculation as follow:

1000 x 0.5% = 5
1000 x 1.5% = 15
100 x 3.0% = 3

Oh really? Thanks!

I thought it could be that too since > 3000 is 0.3% ... but that seemed incredibly low so I thought it couldn't possibly be the case ...

Alliance bank approval have calculate MUE.

For those forumer have a lot of cc with big limit.reject possibilities is high.

But I currently having 8 different issuer credit card, recently they still approved me with quite high credit limit.

The story was like 1 year ago I applied thru RP but then got rejected. But last week the same agent call me again wanted to submit the application for me again. I just simply agree cuz I feel like bank won't approved me since I have so many cards, and many of them was approved on same year.

Now just curious am I still eligible RP gift to this 2nd time submission, I shall ask my agent then.

Thanks for the info, may I know what is MUE?

I currently have 4 bank cc with quite high credit limit, recently rejected by alliance bank after 2 week of submission.