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...

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..

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..

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

How plenty is your money? If you still got rejected, means some problem with yourself.. bank will never ever give you reason for rejection.. you can see from all the reply here.. so you need to learn from the experience person..

Do you & your company pay your epf? Do you pay income tax? Is your basic rm3k or include others? Bank will only see basic income only.. and your income must tally with your bank statement..

If still got problem, try check your ccris at bank negara..