Thanks all master for the answer

hello all sifus. i want to book a hotel room which is under promotion. but the hotel ask to fill up a form where i have to tell my card no with the security code, and the photocopy of the card (font & back)

is it safe to do so? tq

i got filled up a form with the details you mentioned for pre-booking hi-tea from a hotel before but they didn't photocopy front & back. At the end of it, i used another card instead

it's actually can be said safe. but i don't trust the staff(s) who handle the form. it's better just book yourself from agoda.

but sadly agoda doesnt have the offer. Need to book through hotel website to get the offer. Hmmm

so it just depends on you whether to take the risk and trust the staff.

Did once before when book hotel in Combodia (if not mistaken). Hotel request me send photocopy of my CC (front and back) to them.

I also very worried But lucky CC was not being fraud. But few years later after that i cancel that card due to other reason.

yes, usually it can be trusted. but it still depends on the staff who will be handling your form.

So easy to buy online things if we have the security code. Quite scared to give the code to the hotel

Just started working on january 2014. Salary 1.5k + fixed allowance 500. Now waiting for 2nd payslip (salary jan being paid on feb's payslip).

Already applied with cimb but rejected dont knw why. Any other banks i should try? Epf not update yet so cannot give them to support. For now only got payslip and bank statement. Should i wait til 3 payslips?

yes since you are only starting to work, probably three months payslip with your EPF statement are needed in place.

most probably rejected because don't have 3 months payslips. perhaps you need to wait til you have 3 months payslips before attempting to apply again.

Agreed. No definite answer for this i think

Try Uob , i apply my last time with one month pay slip and basic RM1900 ... i was suprise it was approve but now the card i cancel liao...haha... FYI , CIMB not easy to get ... plus ur basic is 1.5k unless ur epf deduction is total of ur income not basic...

Can I get a JCB card in Malaysia?

You can check with CIMB Bank. Not sure if they are issuing new JCB now though.

how does the bank define our annual income? is it based on our monthly salary for 12 months or 12 months salary + annual bonus?

Mostly based on 3 months EPF times 4. If you got EPF of your bonus in there will look like more.

my bonus is also credited in EPF. so let say my annual bonus is on april and appeared in may EPF statement, it is best to apply between may - july to meet the highest income requirement?

Possibly. Different banks may see differently. Mostly the higher income requirement cards no big benefit except for big spender or air travel. Unless you're the type who like 'status' la....