Ur answer is here. U can't withdraw the fd if once u withdrawal cc will auto cancel n ur fd need 2 months time to refund back to u. Somemore the original fd receipt need to keep at branch. U just get a photocopy receipt only.

Aiyer... that means you need to put in FD forever until you terminate that card. Not worth.

As long as you can submit your income documents to them, they will consider release your FD

Yes totally correct.

I see... Thanks folks!!

At least you will gain interest from the FD, better than nothing.

But even if in home loan account, you still earn ( and earn more due to higher interest compared to FD) just that it is use to pay interest in home loan.

Maybe the con is that when you withdraw you need to pay additional fee.

Woah, if you have housing loan then better dump it in and make sure you do have extra in case of emergency. But again if your income:debt ratio is low then you might have a tough time to get CC without pledging FD. Just try apply first, who knows what will happen. Just my 2 cents.

Hi, wanted to ask some question not sure is it been asked before..

anyone of you guys did apply cc through phone, 3rd party such as imoney,ringgit plus etc?
As concern , our own privacy details will be exposed to these 3rd party and its quite danger for us rite?

I have read alot of con case such as people apply cc behalf of us, u apply for 1 but actually its more than 1.. those conman use ur detail n get another cc for themselves. Is it possible or how secure its these?
appreciate if someone have a clear answer thanks.

Just dont do it. Walk into a bank to apply.

ringgit plus is safe. I applied a few cc from ringgit plus. they giv u extra gift! alternatively, if u wanna feel more secure juz walk into any bank to apply.

do they check CCRISS ? or straight approve once FD is open .

last time if MBB very happy to serve u if u have citibank cc... but not sure bout RHB? RHB so famous now? haha

No idea.

My record is spotless so whether they check or not, it's still a waste of time for them.

Depends on the person in charge, I think?

My officer just took my FD slip and get me my card the next day.

Guys, what will happened if my dad erm.. Pass away edi and the credit card debt under his name(his own cc) haven't clear finish?

your dad got will ? if not banks will chase after the administrator

Let's say my dad do not have a will . Who is the administrator?

This post has been edited by MasBoleh!: Jun 2 2015, 02:49 PM

By default, your mum should be the administrator unless you apply to the court for another person.

If I am not mistaken.

In other word, if husband Kong, then the wife have to pay la?

Usually the wife would be the inheritant of the husband's assets and liabilities unless stated otherwise by the way of a will or any other method approved by the courts of Malaysia.