yes, i suppose, since they have a minimum income requirement of rm24k/annum, as well as required documents such as epf/salary slips/be form/bank statements/ea form. and most importantly, this product is under citibank's overdraft & loans section.

oops, and this reminds me that we are off-topic from this thread discussing about credit card.

This post has been edited by victorywp: Nov 6 2013, 07:10 PM

Opps, hehe. Sorry for that. Anyway thanks for your kind explanation.

I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise...

This post has been edited by moshimaruu: Nov 7 2013, 02:48 PM

As far as I understand in CCRIS record, any number 3 will have 0% chances while any number 2 is 20% and any number 1 will have 50% chances in you application approval.

is your housing loan late payment happened only in a particular month in the past? or it is a long-term problem which still has not yet settled?

[quote=victorywp,Nov 8 2013, 12:09 AM]
I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise...

[/quote]

is your housing loan late payment happened only in a particular month in the past? or it is a long-term problem which still has not yet settled?

[/quote]

I would suggest you just take a shot to try. It is because every bank has their own criteria for approving cc to applicant. However, the general thumb rule is the person who met the min required annual income with clean CCRIS and CTOS should has higher chance to get approval

How to check i at which NumbeR?


Mostly every month i late payment..sometimes 2 month later only make 1 payment. I know myself got CCRIS already, just wanted to know can apply anot..


CTOS i thought is for telecommunication... Annual income meet requirement, but problem is CCRIS. Which bank normally not so strict? Actually planning in apply CITIBANK clear cc. Just normal..

A card for Insurance:

The INGIAFAM-BSN credit card is geared towards the affluent market. It offers members the flexibility of opting for a 1.8 per cent cashback or a 12-month zero-interest plan when they charge their life insurance premium with the card, up to 2x reward points for overseas retail spending and complementary travel accident insurance of up to RM1 million.


Read more: BSN eyes 20,000 take-up for new credit card http://www.btimes.com.my/Current_News/BTIM.../#ixzz2k0xWEgVF

Cancelling your credit card will affect your credit score or not?

the No. 1, 2,3... is Outstanding Status - Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment....
As for 0 mean You Never Miss any Payment (at Least Min Payment) ...

Anyway, U can get Your Own CCRIS with FOC from Bank Negara at Working Days

For more About CCRIS pls Refer to CCRIS, CTOS Thread, Here https://forum.lowyat.net/topic/741069 Post #14

thx for ur advise, anyhow i will try to apply and if reject, i just take my company bank credit card, think will much more easier to apply.

This post has been edited by moshimaruu: Nov 8 2013, 01:48 PM

Anybody know can we convert the tansaction made via pay pal to flexipay? Im using pb credit card now...

Thx

Thks for info

But what I asking is the PB flexi pay, where you can convert any transaction made in any merchant by call or sms. I think is different with ZIIP where only applicable for participated Merchant

http://www.pbebank.com/en/en_content/perso...s/flexipay.html

hey, i would like to ask that is the maybank manchester united visa infinite has the same TP coversion of 4500 points = 1000 enrich miles as the maybank visa infinite card?

I do have a PB cc too. And as far as my understanding from the T&C, you should be able to call PB and do that flexi-pay. Why don't give them a call, and ask them to do it. See if it would go through.

Dear Sifu, recently I was aware that there is a new promotion from Maybank and UOB Bank extended to their existing card holders which has 30K and above in credit limits and good pay master, they will eligible to upgrade their card to Visa Infinite. May I know so far any sifu aware of such promotion? Apart from UOB and MBB, does other bank offer similar privileges?

sharing this, from The Star today.. Visa having promo for Agoda.. 10% off for booking on Wednesday through www.agoda.com/visawed



got other promo too for Lazada, Sasa.com & Zalora

i expect the 10% discount will be deducted towards the final price before payment done, right?

not sure.. need to wait for wednesday to try.. if it same like agoda promo before, need to key in credit card first, then the discount will appear..

yeah, i mean key in the credit card number and it will detect whether your card is visa before the discount will appear. i think it should be like this just like the agoda promo with maybank.