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.