I would like to ask, is it possible for someone with no source of income (housewife for e.g.) to apply for a credit card by pledging FD? I know someone who does not fulfill income requirement can do so by pledging FD to get the card but what if that person has no recurrent income but has cash in the bank instead?

Yes it is possible by pledging FD. Different banks may have difference procedure so do check with the banks.

Doable for Maybank, Public Bank, HLB for Wise/Mach/etc.

Other banks you need to confirm yourself.

The amount you pledged - your credit limit.

Different banks have different procedures, some even have stamp duty so do walk in and ask.

Guys, i learnt that card usage at Genting Casinos are counted as cash advance,
so what if i swipe my card at Genting First world for hotel room? will it be treated as cash advance also?

For hotel, it should not be recognized as cash advance.

So, they are using different card registers in casino and hotel?

Probably. I would not know for sure.

But I tried assisting my friend in booking a room in Genting before.

It is charged as hotel, not as cash advance.

ok, problem solve. thx bro

They do have a special terminal for cash advance in the casino.
It's not 'worth' to do cash advance at the casino, as they will charge 1.85% apart from standard bank cash advance charge.

This post has been edited by Alec.Yong: Aug 5 2015, 02:55 PM

i know, i was worried if my hotel bookings also counted as cash advance by their system

Thank you.

Haha.. Unless they slot in your card into the cash advance terminal..

For foreigners, you have different regulations to comply with.

You need to have a work permit or PR to qualify. If not, you won't get to apply.

the spouse is a local? Then he/she apply and get you a supp card.

Talking about China people. My colleague who is a Chinese is working here and loves watching movies. So she was at GSC MV last weekend and there was HLB booth promoting their HLB GSC card. One of the guys approached her but noticed she's not a Malaysian straight told her she cannot have it.

Too bad for the agent that walked off, she was interested actually and is having more than 120k annual income. Facepalm to that fellow.

This post has been edited by fruitie: Aug 5 2015, 09:31 PM

Actually no issue one la. She has MBB credit card as well.

inexperienced sales agent lor. should have asked second question whether your friend work here rather than just walked off. he must have thought your friend is a tourist in malaysia for visiting. lol. .

Yeah lo. Said you are not a Malaysian then cannot have it.
What sorcery is that?

If I were there, this guy will get nicely from me.

wah, how you know his friend who worked in brunei has mbb cc as well?