ok the one i was saying which requires pledging FD for CL is for CIMB Platinum Cashback which I'm not sure if you are interested

Once CCRIS black, you very hard to apply any credit card. Pay off your loans then can talk. Till then, no choice lor. Banks always protect themselves, if you got history of not being able to pay, even how much you earn they won't want.

For foreigners, we need to pledge FD for all cards.

Previously in my article My Son Is Going to The USA Again on Business Class, I have shown that we get equivalent cash back up to 19.19% and 12.33% when we redeem Malaysia Airline Business Class ticket using the Enrich Miles converted from the Treats Points earned with the Maybank Visa Infinite and Maybankard 2 Cards respectively.

MAS is currently have a promo and so is Enrich Miles offering 50% discount until 8th December 2013. With the Enrich Miles 50% discount, the equivalent "cash back" we earn from using the Maybank Visa Infinite and Maybankard 2 Cards increases to 30.88% and % respectively. To learn more about how to maximize utilizing your credit cards Rewards Points, click on the link below:

Enrich Miles Sale Is Fantastic With Maybank Visa Infinite.

Hi guys, how long does it take for the credit card transactions to be updated to the online banking website? I did my transaction on Friday night on petrol (somehow the machine didnt give me resit) and I did another transaction on Saturday morning (I have the resit). However, for both transactions there isnt any SMS as usual.

Oh, mine is Public Bank Gold Card.

1-2 Working Days...

MilesAndMore - check out my new Citibank Australia Platinum Credit Card



The annual fee of AUD199 will be waived as long as I have CitiGold status.

To read in detail how I got "lucky" getting the Citibank Oz Platinum credit card, click here to read my article Citibank CitiGold Debit Card and FREE Platinum Credit Card and Term Deposit Promo, at my Melbourne Victoria Australia blog.

I did not need to submit any proof of income too. However, the Credit Limit assigned to me is lower than all my Malaysia credit cards (except for OCBC TMC which I had previously I requested it to be lowered from the original CL).

FYI, the article above also touched on how to get perpetual higher interest rate from online accounts where we get introductory bonus interest rate for 3 to 4 months only.

does it affect my credibility if i'm holding more than 5 credit cards although i settled every month?

This post has been edited by gg8989: Dec 9 2013, 01:23 PM

The Gold card look like ATM card instead of Gold credit card...

Bro the Gold card is an ATM and Visa Debit Card! Is to identify CitiGold customers worldwide.

This post has been edited by Gen-X: Dec 9 2013, 10:36 PM

Hey guys,

I have a question. So currently if I work overseas earning $2k aus and I plan to apply for a Malaysian credit card. Do the bank consider my income as $2k monthly or converted which is $6k monthly?

Some guide would be appreciated. Thanks.

I think You X get Malaysian CC Most of the Bank will Reject Your Apps due to the Reason of Your Stability, Reputation & Duration of Your Employment / Business without Malaysian Income Proof coz Working in Overseas... & Most of them Only Accept Singapore or Brunei Income Proof Documentation

But Anyway, U can Try FD Pledging to get Malaysian Credit Card...

This post has been edited by fly126: Dec 10 2013, 08:52 PM

Okay, thanks bro for the heads up =)

Gen-X Yo bro! Very informative post. I'm saving this post of yours, just in case i need to do the same someday

This post has been edited by MilesAndMore: Dec 11 2013, 09:19 AM

Just curious... roughly how much commission can one agent/bank staff make when he/she successfully gets someone to sign up for a credit card? Sometimes I see them like die die want you to sign up, follow you walking in the mall till like 50m or so..
Surely there are people here working in the banking industry..

Depending if its bank employee (got fixed income, just go there because forced, these won't bother) or third-party contract work (no fixed income, high KPI to meet in terms of cards per day, all income tied to sign-ups).

haha, I heard that RM50 will be received if the application is successful, not sure is true or not

Any tips to get credit card approve?

Hi all sifus, just wanna ask a question. How to get cash by using cc? Thanks.

Cash advance? That comes with hefty interest.