I gave them all my requirement statement therefore all kena rejected and telling me there's nothing they can do coz of the CC department is strict reviewing the personal history....

- never loan any money from bank
- never get blacklisted before
- my salary pays above RM 2k

I seriously dont understand CC department rejected me for no reason above listed. Have anyone face the problem and why? I dont know what I am missing but this all I have

any fukhead can get a cc these days. you have a criminal record or something?

why do u need a CC for? for online shopping? ezy payment?

never involved any criminal record and insurance.

instead of going to the bank, try signing up at the credit card booth at the shopping malls

yeah...they say-awak dah ada banyak cc ni... nanti tak mampu nak bayar

try other bank... u apply maybank??

coz of my dad persuade me to get one but all kena rejected for dunno what reason... CC officer do not want to disclose all I have to do is REDO until approve

Mine also just kena rejected from citibank. Have legal income of 3.5k and with gelap money add up 7k . Give statement and all also but the say account income not tele
i was like WTF...

so far CIMB and hong leong bank rejected also giving me the same reason, I have no idea what actually they wanted.. whatever they requested me the full details which i already did...

u have no loan at all?? car?? property??? thats the problem...they want your financial record..

The net income can be 2k for min but dunno why mine rejected so many times i do not have any bad history or blacklisted really WTF btw who works bank in /k?

it doesnt make sense, I told them I didnt loan anything from other bank then I b able to get cc instead

my cuzzie bro sampai 4-5 CC can get..how come urs not valid?
well, i pity u brah..whatever it is..try approach other bank..

Me too... RM2.5k salary. Got rejected 3 times.

Now malas want to apply.

try hsbc instead, i got my platinum card from them last week

signup from their credit card booth at midvalley, only require IC and your epf statement, they have the epf kiosk with them

about a 5-6 working days my card was approved

Go apply when they promotion giving out goodies (like bag etc). If rejected at least you get something.

No loan at all means you have no financial record. So they cant assess your payment pattern. Kinda high risk. Maybe that's why rejected.

This post has been edited by emino: Dec 19 2012, 01:35 AM

thats fast normally the procedure takes around 2 weeks I guess the agent can do it advance instead applying at bank btw does it requires for bank statement??

ko pergi aeon kredit.apply kredit kad. 1 tahun bayar cantik2.sure after that other bank layan u mcm raja.

Or u buy a car byr cantik2 and go apply kredit kad.confirm lepas.

Bank dont want tgk gaji or money but they want tgk u punya cara bayar.got car or houseb bayar cantik no problem tgk bank layan ko mcm mana.

Mcm raja beb.

depends which type of credit card apply, now days standard credit card require 48k income per annum, if apply from booth thous place might get higher chance to approve

nope, only a copy of my IC and my epf statement which they print on the spot, that's it

not really wor i asked bank staff, if didnt loan can get CC as long you are not blacklisted dunno wether I am naive or they

Kawan aku dapat kreditkad minggu lepas 2 keping.had kredit limit rm 8k. Satu kad 4k

maybank 2 card ke bro?

i think you are too clean.. no credit history to refer to

This post has been edited by jinaun: Dec 19 2012, 01:42 AM

Ade rahsia aku nak bagi tau....

i have an agent who works hong leong bank but kena rejected, doesnt know why, even I did ask him whatever I have still kena rejected all the way ... really fed up not sure CC department is strict giving to the loser although I driving vios so whats the problem????

may i know why kena rejected ah? serious question thanks

Usually rejected because

1. Bad payment record.
2. No payment record.
3. Below minimum requirement.
4. Blacklisted.

yup.maybank.aku mintak 2 kali kreditkad 2 kali reject.

kwsp ada bayar? selari tak dengan gaji tu.. income tax ada bayar tak? selari tak dengan gaji tu.. gaji masuk terus ke bank ke? penyata bank tu selari tak dengan tarikh kemasukan duit gaji tu?

itu soalan yang aku dapat fikirkan...

not above listed, everything is clean so still cannot brain in CC department

KWSP sudah bayar, tapi perlu bayar tax??? doesnt make sense " selalu ada charge kalau guna CC

bayar KWSP kena selari.. contoh gaji ko rm2000, maka kena potong untuk KWSP 11% = RM220.. pastu majikan kena tambah 12% = RM240.. jadi tiap bulan kena masuk akaun KWSP ko 220+240 = RM460.. kalau ada angka ni baru bank tau gaji ko rm2000..

income tax atau cukai pendapatan juga bukti berapa pendapatan ko.. lagi banyak cukai pendapatan ko bayar, maknanya banyak laa pendapatan ko ni.. kat malaysia ni macam2 cukai kena bayar..

paling penting, kalau gaji ko rm2000, kalau dibagi tunai gaji tu, masukkan semua rm2000 tu dalam akaun dulu, lepas tu baru keluarkan.. itu pun bukti pendapatan ko kalau bank nak tengok penyata akaun bank ko.. duit masuk bank kena sama macam slip gaji ko..

tapi, semua atas ni tak terpakai kalau ko kerja kerajaan, MNC atau listed company...

bank negara dah ketatkan syarat nak dapat kad kredit ni, jadi bank pun kena susahkan orang untuk dapatkan.. dulu gaji rm1500 pun boleh pakai 5 kad kredit..

Aku bru nk apply..tp aku mslh kat pnyata bank..nk apply kat maybank..tp gaji masuk kat bsn..die mntk bank statemnt..buku bank aku lak tggl kat srwk.. mslh tul r..

You no open bank account with them.

normally /k people bank chase them to gib cc, y u different?

Dh pegi..kne bwk buku bank..bingai tul aku tertggl..demm ..kat srwk lak 2

KWSP ni simpanan kita.. cukai ni kena bayar kat kerajaan.. satu tanda gaji ko kecik, ko tak bayar income tax.. orang gaji kecik je tak bayar income tax, gaji besar semua kena bayar income tax..

kalo keje MNC/listed company ni, bank minta penyata gaji je.. tau kompeni besar banyak duit bayar gaji besar..

Ouh patutla mak aku senang jer dapat cc. Gaji dia masuk 31, dia bayar semua loan on 31 pakai online bankin. Thx for the info

bnm new rules: salary must be more than 3k to apply credit card.

maybe your name made it to ctos or ccris liao. i nearly made it into the list because didn't pay what's left of my uni tutorial fees.

what you can do maybe

1. Check with ctris and ctos (oh wait u never make any loan)
2. Apply housing loan , car loan or something (the bank will offer you cc )
3. Make fixed deposit then try to apply

Bank they want you to work at least 6 months or so I believe

Now is stricter unlike before where can get approval with just gross pay

i guessed there is no record to substantiate your credibility in your ctos and ccris.
I so far only mbb rejected my application,then few yrs later reapply and get approved, after getting the card i cancel it. At one point in time I hold as many as 11 cc until they charge the govt tax, now reduced to 4

TS get some tax returns, get a lower limit card and be in your job for a decent amount of time and you will be fine.

Advertising your aeon card again? trying to scam people ah

that's the main problem. they don't have your paying record as reference

The bank is doing you a favor by not dragging u into the plastic card debt.

When I first graduate, my record also damn clean. No loan, no installment, no mortgage.. Really nth. Even bank account also new.

Still got rejected by Citibank. But approved by Cimb but now I wish I never had applied...

which bank n which card... Read the requirement... Some card require higher min salary ...standard card- 24k per annum, other is 36k, 48k or 100k per annum... Apply within ur limit.... Kalau kau gi apply platinum card with ur 2.5k salary memang la kena reject... Tat 1 need at least 3k-3.5k salary...

aeon credit USING bank database.and bank will use aeon database.u cant pass thru bank its ok.u go thru aeon kredit.if u want play play with bank it required more requirement but not with aeon kredit.

aku dah berjaya dapat loaan personal from aeonkredit.i believe if i settle this payment nicely the chances to get kreditkad more easier than ever.personal loan u wiill get 5X from u salary.best part is my salary only 800 only.supposed get 4k only.

i really tak puas hati gov servant.senang sngat buat loan.padahal kerja mcm $%@s..siap boleh buat overlapping.this kind features cause people like TS and i more suffer to survive in a real world.bank mmg bagi muka pada gov servant.u all know ka gov servant can do personal loan up to rm200k and tenure loan 20 tahun? Interest also rendah Gila


This post has been edited by K.I.T.T: Dec 19 2012, 07:03 AM

damn sad wei if you cant even get a CC. Start working harder!!

Same prob with me.most probably my financial record too clean



But i still have maybankard2.
I wants ocbc, rejected twice

I applying hsbc..platinum good not?

Try your luck with UOB. I heard it's easier to obtain your card there.

mak ko keje gomen ke? Gaji tepat masuk 31hb biasaynya keje gomen.

I also kena rejected many times due to my old post paid phone (018 mobikom) never pay (exGF was using) Not related? Yes, it's related!

This post has been edited by azbro: Dec 19 2012, 07:11 AM

Last time cimb was the easiest. Got mine 5 years back using only 2 months pay slip and got 9k credit limit.
No bank record also at that time. Now BNM more strict.
May be u should wait and build ur credit record first.
Try to make hire purchase loan or aeon credit.

kwsp its kwsp.tax is a tax.2 bende berbeza.gaji rm2500 baru bayar tax.gaji lagi besar kena bayar pcb pulak.(potongan cukai berjadual).

Jalan raya yang berlubang.hospital yang lembab.kamera aes tepi jalan.polis trafik yang selalu cari makan ini semua wujud daripada wang tax payer.tidak ketinggalan istana negarq yang rm800juta tu pun duit tax payer.

usually I apply if they have free gifts, if rejected oso I dont mind.

But if approve u kena rm50 gst
Free gift value not even reach rm50

salary below 2k want to apply cc? with my salary rite now oso scared to apply for cc.

go buy car, loan approve, gip u pre approve cc

they even took the trouble to call me to offer me platinum cc. approved in 5 days or so lol

kereta paling rendah installment pun rm400++ itu pun 9tahun.

your employer good record or not
or you self-employed

Are u seriously that desperate for a CC despite of getting rejected for 5 times?

How come? Me..they kept sending me upgrade to platinum card. I send back, they send again. The bank looks at your payslip. If within your means to pay back no problem. If road sweeper..RM200 a month cannot get card

wrong, gomen ada jadual gaji dia sendiri....

i apply at citibank booth in shopping mall only.
they print kwsp statement only.

two weeks later...walla. i got cc.

inb4 i apply at cimb branch. not approve although i have car loan with them.

moral: go to shopping mall and get gift sumore!

I tried to apply for one when I was working fulltime and earning 3.2k a month. Got rejected even though I didn't have any other commitments.

The irony is that the banks will reject any loan applications coz you don't have any loan repayment record and they'll ask you to get a credit card first to prove that you're a good debtor.

Why u need credit card? U wanna buy iphone5 with instalment is it.

ctos rekod ngn bank tak de, cm ne bank nk approve.

Your name and MyKad number was red flagged in CCRIS/CTOS maybe?

maybe u just ngam ngam reach the minimum requirement? i use to sell cards part time dulu2, if i submit a candidate which JUST meet the requirements, quite high chance kena reject one

u got saving or not?

if u no saving + no CC record ...quite hard also ..because if they approved your CC ..later u no money bayar macam mana?


u need to have a bank account to prove that you got save money from time to time (thats the reason my mom open bank account for me when i was 5)


btw TS ..just go and get a debit card 1st ..then swipe swipe ..after 1 year ..baru apply

This post has been edited by fantasy1989: Dec 19 2012, 08:47 AM

try apply aeon credit card

even basic below 2k can get

it's true ...because u cannot prove that you are good debtor (pay on time)

when i fresh graduate i want to buy car (loan 40k) ...also need guarantor (1 month 500 but my salary almost 3k) ..still need guarantor

fuh...when 1st grad already 3k..then now easily 15k lar...?

actually its good to have 1 or 2 is sufficient.....whether its for payment or emergency....and yea bankers will have easy access/valuation if u hav CC.

Tumpang tered...

CC expert or CC issuer,

If i edi have CC, but now no slip gaji (self-biz), still can get new CC onot? TQvm

Salary 2k, nak apply platinum card.

Insaflah TS

Yes,true story, i applied Choice Citibank Card at Citibank Booth Sunway Pyramid,i believe it's on level G or something,in the middle,the service is so fast,applied on lunch hour,evening already got staff from citibank call me at home..2 days after that,walla..siap.

for the record,i've already applied with cimb,at the putrajaya CIMB,kena reject.

and i'm just start working for 4 month only,fresh grad..use it for my travelling,ckup bulan pay with claim money

oh one more thing,they also look at my car monthly payment,i just bought the car, a week after i got a job,payment sharp every month..

This post has been edited by lemond: Dec 19 2012, 09:03 AM

if u edi have CC, then usually don't need others supporting document coz they can check using ur record for that CC

but of coz you must already have that CC for at least 1 year lo

Credit card, when u really want to apply they dont want to give.

When you dont really care about it then they keep trying to offer you to get a few.

Usually if u apply from bank which ur salary is credited in to, it is easier.

Ic... nice of u to reply. Yes i have it edi for more than 1 year.

If so later later i go apply to new one lah. Edi have Visa, want Mastercard next.

give me ur bank account no and password, i help u kao tim

i work 1 year + je

self biz, they want at least 6 months bank statement and companty reg cert.. bnm have made it strict to apply card now.. so every application they want all document like your first application..

but i think if you want easy approval, apply the same bank with cc that you have.. if it give combine credit limit with the old card, for sure it will approve..

if you really want expert view, jump here: https://forum.lowyat.net/CreditCardsDebitCa...andLoyaltyCards

Ic ic... another good advice, TQvm. I'll look into it

wah..respek mang! wat ur working as..?
my 1st job only RM1.3k...

mine salary also low. not 3K above. sure will be rejected.

he work at inhell

mine more funny.... my salary only 2.4 but there keep uprading mine to platinum == reject them since no have free anual fee.

2k salary for platinum? dunno can get it or not. Maybank keep calling me offer credit card but I said I am poor salary only 2k and have to reject but still they push to accept. Haih.

last time i apply for citibank, they rejected me many times.. then i apply maybank, they approved straight away.. after using maybank cc for 3 months, citibank called me and want to give me cc... i direct fuk them... when ppl want your bank cc, jual mahal.. after see ppl use other bank and payment very nice, they eyes pain and want to offer credit card... my income 4k...

memang kat hell

===

btw ..take uob one card is more gooding ..gooding rebate rate with no annual fees ..true story

normal card annual 24k ...platinum 36k

i also kena reject by stan chart
got house loan , gaji over 2.5k also kena reject

oh wai , i just apply for easier buying airticket balik kampung aje

lol~ u got troll them back?

Got, you don't have #2.

Last time my CC application delayed because they couldn't find my car loan records bodoh. But after 1 week then they got it.