usually if we tick "overlimit" usage for credit card in application.. how much actually overlimit when we swipe for our credit card could be? not more than 100? or could be more than 1000?

can we reject if retailer still using old swiping machine?

Are you sure this kind of machine still exists?

Still got... the merchant said they used as spare if in case the CC server break down or Offline...

This post has been edited by fly126: Oct 30 2015, 09:47 PM

Talking about reject, the merchant would reject more than we do because using this swipe will only get a transaction posted after 10 days minimum. In 2012 I do have one trnx swiped this way in Saudi and it takes 30 days to get posted!

Apply cimb card rejected..So when I can apply again?It is need wait 3months?

3~6 months later depends on which bank u have applied...

Hi guys, I would like to know if there is any website or app to calculate my current debt and salary, how much more increment on my salary only I can apply credit card.

As my grade in all banks are not allowing me to use their credit card, would like to know how much more I need to earn per month to lower the risk grade so that I can apply the credit card without problem.

Thank you.

Typically as BNM's rule is 24k per annum will allow to apply for credit cards.
RM 36k and below only two issuing banks' cards.

The rest is up to bank's assessment and the best you can do is print a copy of your CCRIS from BNM to check out your credit history.

I have applied few banks and all got rejected because of my unjustified loans. So I am wondering how much more I need to earn to balance it out the "unjustified" amount.

How much is your income vs loans?
If you really need one credit card, some banks allow to pledge FD for cards.

Is there any formula for me to calculate this?

Refer above for DSR calculator. Just a rough calculation only.

Thanks so much fruitie.

Hello:
Anyone has any idea what's the typical lead time for Public Bank to approve a credit card application?

For e.g. Maybank requires 5 working days to approve if we apply through email. how about Public Bank?

Applied online - 21st Oct.
Approved yesterday 3rd Nov.

Thanks for the information rapple!

What gift you get the best from credit card sign up

What's the word on Diners Club cards? I heard Diners Club is suspending services in this country indefinitely. What is the reason for their "rationalisation"?

Hi All,

I have recently applied for a credit card from Hong Leong but was rejected.
After that I was told by someone else (not HLB) that I have to wait for another 6 months before I can apply for another credit card not only for Hong Leong but any other banks as well?
Is this true?

Thanks!
Appreciate your help!