you can apply but whether it is approved or rejected, it is up to the bank

icic ... so how to increase the chances ?
like have a bank account with some amount of money ..

put FD to pledge.
MBB and PBB can do that, it is 99% approve.

That is possible. Submit all documentation like payslip, epf, etc to show that you can be a good paymaster. If fail, then only consider the FD route.

yea.. thats why i feel i am stupid..
so if i call him to cancel.. he shud be cancel right?
no case like.. he would ignore and just pass my form up?
just worry bout this vry muchhh~~ ><

Do that, and contact the bank directly to void the application too. Follow up.

Easiest way is to call the bank directly and check whether the application has been sent in. Don't bother going through the salesman anymore after this. His job is done.

Hi

Just to add what bro @Human Nature said

Don't apply just for fun / without thinking / pity the sales person / help the sales person / want gift
All banks sales person have a target (and sometimes daily target) that they need to achieve. Banks once they approve your card application (which is another competition game) will charge you the GST.

Too many times this forum is being used as a "rescue tool" because don't want to pay GST coz haven't use card yet and a million other reasons. I'm deeply irritated and irked by such attitude because this forum is being abused for selfish and childish reasons by readers whom I felt are not ready to carry responsibilities in the real world.

I'd like to advise readers to think carefully and maturely when applying a credit card and don't behave immaturely / irresponsibly.

This post has been edited by hye: Feb 10 2015, 12:09 AM

correct
but what i have experienced..
i believe that the sales person just want people to sign up and earn
maybe this my 1st time "drag" by a sales person for credit card
i oso didn't think too much
he just ask.. have apply cc before, got pay for any loan, work how long dy
then said will help me check my epf record..
duno what i think.. i just let him check
then he send up form.. then i just help to fill in
he said.. can try .. can try to apply la...
when signing those doc.. suddenly i think.. like something wrong..
i not really heard him explain much on that card oso @@
then i just sign.. anyway this is not a problem
but after i did all the signing.. he said.. need to have two card, each card got what charge blah blah blah
felt cheated =.=
my mistake oso.. didnt realised any wrong @@
after walking and considering, i just go back to there.. told him that i dun wan apply dy
but he said will hold for me... after cny can submit.. blah blah blah
-.-'''' so....

okay.. will do that so
thank you...

will try check with the bank..
ald found their phone number from website

Applying car whether "without thinking", "pity the sales person" , etc... is one person's choice. Applying loans/credit cards not necessary need a valid mature. Anyone can apply as long as they have "papers". If the world is fill with all responsibilities people, we might don't need police/court, etc... anymore !

The forum is not being abused. If so, i believe the admins/staffs will take action. As a moderator, you need to know the forum is open to public. We can discuss anything as long as it's not against laws. As a moderator, you might see our discussion is abusive, but to other mod/staff, it might not. So , don't put your views and your abusive argument to forumers here !

One of the purpose of this section is to educate readers and this includes to avoid falling to the many traps of applying a credit card without knowing much about it.

It takes BNM CCRIS 12 rolling months to clear past history records.
Provided you don't have any further NPL or CTOS blacklist or bankruptcy/court case or something else, you may try again after 12 months from when you settle your previous debt.

However, unless you learn your lesson on previous CC usage and how to manage and control your usage + prompt monthly payment, my advise is not to use the evil CC.

Many thanks for the prompt reply,
May i know where can i check on the NPL or CTOS blacklist ? Can i check the status thru online ?

Those debts was a sweet revenge from my ex gf .. i learned my lesson ..

would like to use fd to apply credit cards,any card suggestion ?

https://forum.lowyat.net/topic/2979093

list your criteria here

anyone have a salary of 4.5k and use bonus to apply for platinum card before? what is the success rate about the minimum income eligibility

This post has been edited by lfw: Feb 10 2015, 06:57 PM

you may furnish it to strengthen your application.

wanna ask for the 2nd year:, if the statement has listed the GST & Annual Fees and the bank can't waive it for me

So now I plan to cancel the card
1) GST I no need to pay as long as I no use
2) Annual Fees I must clear it before cancel?

thanks