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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq

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victorywp
post Jul 13 2014, 10:02 PM

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QUOTE(WaCKy-Angel @ Jul 13 2014, 09:54 PM)
Did i see wrong? Maybank 2 card GSY now rm100?
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yes indeed, starting 9/7 but affect only new applicants.
victorywp
post Jul 15 2014, 11:08 AM

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QUOTE(sj0217 @ Jul 13 2014, 11:05 PM)
Haha, you are lucky man...

Ya, I'm the one who stopped using UOB for petrol quite sometime, always aim for weekends. If not, just use UOB on weekdays...
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actually i also don't wish to take the risk to try. but no choice, my hlb wise and mbb2amex already max. if i use uob one, at least i still can get 2% in smart$. lol...
victorywp
post Jul 16 2014, 06:20 PM

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QUOTE(mr.hikano @ Jul 16 2014, 05:51 PM)
hye ~

I apply Alliance bank credit card. But during fill up the form I mistakenly tick 2 cards which is Gold card and Younique card. My question is. which one is better?? GOLD card OR YOUNIQUE card? I only need one card. Currently received 2cards.

Thanks in advance.
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if really need to choose, i will take younique... it suits me more, but not sure about you...
victorywp
post Jul 21 2014, 08:39 AM

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QUOTE(DrAlex88 @ Jul 21 2014, 02:53 AM)
My friend want to apply credit card (Hong Leong Bank) but his application always rejected... Any way of working around it? He got annual income of about 48000, but his epf only included basic salary...
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try to attach the allowance/claim slips together with salary slips and print out the bank statements of where the allowance/claim were banked-in to monthly to be attached together.
victorywp
post Jul 23 2014, 07:35 AM

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QUOTE(shawn87 @ Jul 21 2014, 03:45 PM)
ic.. so no matter what from now on to get a card need a proper documents...
thanks for ur info.. have to get the docs ready for application..

i heard from my fren said bank might offer u credit card if u have loan from them.. car loan or housing.. also no longer exist?
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this applies to new loan application and only some banks offering it this way. however if you apply for loans, you also need to submit your income proofs, etc. and the cc that they offering you will also be based on that income proofs. in brief, it is a must to submit your income proofs for cc application.

This post has been edited by victorywp: Jul 23 2014, 07:36 AM
victorywp
post Jul 23 2014, 07:35 AM

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double post

This post has been edited by victorywp: Jul 23 2014, 07:36 AM
victorywp
post Jul 23 2014, 02:55 PM

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QUOTE(shawn87 @ Jul 23 2014, 01:58 PM)
some of them submit every docs and eligible to apply yet got rejected.. somes gave old epf and pay slip (not latest) approved by bank... is it easier to get approval if apply through the cc booth?
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yes, it's easier to get approval if you apply through cc booth than if you apply from the branch.
victorywp
post Jul 23 2014, 03:38 PM

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QUOTE(shawn87 @ Jul 23 2014, 03:15 PM)
i tot its the same since the approval is from the bank itself? or this cc booth agent has magic word makes the application easier to approve?
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there's a certain target to achieve from booth sales, so its easier to get approval unless you really not qualified. think in this way, if a bank pays to rent a booth at a shopping mall and hire salesperson to push their cc, but from those submission they reject most of them just because of small/tiny issues, so does it worth the marketing expenses?
victorywp
post Jul 23 2014, 03:47 PM

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QUOTE(Human Nature @ Jul 23 2014, 03:43 PM)
I disagree that it is easier to get approval if it is submitted to the booth. At the end of the card, approval is handled by a different department.
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yeah, but it arrives in a stack from booth sales not in a single form from the branch. brows.gif
victorywp
post Jul 23 2014, 04:00 PM

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QUOTE(Human Nature @ Jul 23 2014, 03:57 PM)
Still, it does not prove that the approval is easier.
Different bank different criteria
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they will go through the same process/procedures to get approval but booth sales submission will be a little bit lenient i would say. rolleyes.gif
victorywp
post Jul 23 2014, 06:19 PM

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QUOTE(Human Nature @ Jul 23 2014, 05:11 PM)
So what about those card centers. Would you choose to submit your application through booth instead of card centers?

i submit my application through fax/email/online form, and i still get my CC approved but i will not state that it is easier compared to other methods.
add: The reason i disagree on this is because there are booths with logo and all, but manned by agents, not bank staffs. We all know there are many cases of unethical agents and readers might get the wrong idea if there is a claim that approval is easier through booth.
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the booth i meant was the official booth set up by banks for temporary event, surely not the ones manned by agents.

last time i applied and submitted my application in a branch but was rejected.
but i refilled the application form and used the same documents and submitted to their official booth during an event and approved.
victorywp
post Jul 25 2014, 09:20 PM

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QUOTE(DarReNz @ Jul 25 2014, 08:00 PM)
I also got rejected first time bro tried 2nd time then successful when I don't have car and housr loan  sweat.gif
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you mean you finished paying all your car and house loans in between your first try to second try? that's fast because my house loan will take 30 years.
victorywp
post Jul 26 2014, 12:14 AM

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QUOTE(fly126 @ Jul 25 2014, 11:07 PM)
Same here NO House or Car Loan
Gua lagi Teruk tried 3rd Time MBB baru give Me their 2Cards... sweat.gif
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wow, you bought your car and house with cash without loans? hebatnya...
victorywp
post Jul 27 2014, 09:18 PM

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QUOTE(KoChun @ Jul 27 2014, 06:59 PM)
CC Banks also not honest.
CIMB has promo on KFC but
some KFC refuse to offer promo.

Feedback to CIMB also deaf ears.
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some kfc? i think it's most of the kfc.
victorywp
post Jul 29 2014, 09:34 PM

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QUOTE(holoman @ Jul 29 2014, 05:34 PM)
with salary 2k a month
is there any cc can i apply ?
need one, mainly for fuel usage
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you can choose cimb petronas gold card. 5% petrol cash back at any petronas on 1st weekend of every month, and 2% on any other day. and 0.5% on all retail spend. also 10% cash back on car services at perodua (good if you drive perodua).
victorywp
post Aug 9 2014, 11:01 PM

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QUOTE(MNet @ Aug 9 2014, 10:32 PM)
need to cross the salary slip that use for CC application?

if no cross it, will they be missuse it?
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usually i will cross all my p&c documents. no harm doing it, just as a precaution to prevent anybody misusing it.
victorywp
post Aug 10 2014, 05:18 AM

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QUOTE(DarReNz @ Aug 9 2014, 11:52 PM)
u cross it when submitting online ?
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yeah, cross and scan before submit.
victorywp
post Aug 10 2014, 08:59 AM

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QUOTE(LostAndFound @ Aug 10 2014, 07:30 AM)
Guna photoshop kan lg senang?  icon_rolleyes.gif
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depends which document. hehe. those already in softcopy form can photoshop lor.
victorywp
post Aug 10 2014, 07:08 PM

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QUOTE(LostAndFound @ Aug 10 2014, 05:38 PM)
If scanned document means sure softcopy no? Or ppl still use fax?
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means if the documents already on my hands, then i will just cross it before scan. so in that case i won't scan it first, and then go photoshop it. because it seems more troublesome for an old man like me to do it. lol...
victorywp
post Aug 16 2014, 11:09 PM

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QUOTE(opera33 @ Aug 16 2014, 04:56 PM)
Card arrived at bank branch, have not collected the card, and not activated yet, but receive a statement from the bank...is that normal?
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statement with gst charge?
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