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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq
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chiahau
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Oct 22 2015, 07:38 AM
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QUOTE(ashskywalker @ Oct 22 2015, 01:32 AM) Anyone here knows whether is it possible to apply for CIMB CC Cash Rebate if got 1 month record on CCRIS? Thanks. Approval is based on bank. Just wait a little longer and make sure not more CCRIS before you apply?
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chiahau
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Nov 18 2015, 08:17 AM
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QUOTE(Davez89 @ Nov 17 2015, 06:42 PM) hey guys would like to ask can I apply cc without payslip? can I use ASB acc to pledge instead of FD? got some money in ASB tho. Btw I have maybank2cards since 2011. Thanks Edit: i would like to apply cards like Maybank Visa Signature.. ASB can be considered as income. But if it's not around 70k~100k, unlikely to approve. Just cough up 10~15k for VS. Requirement much lower already.
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chiahau
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Nov 18 2015, 08:29 AM
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QUOTE(Davez89 @ Nov 18 2015, 08:27 AM) I have about 150 in asb but no payslip to show .. boleh ka? Boleh. I applied other stuffs using ASB as proof of income before  No questions asked. Approved after 7 working days. Not everyone working will have payslip. Even my current company don't give payslips already  Just apply via a branch and see what they'll say.
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chiahau
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Nov 18 2015, 08:39 AM
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QUOTE(Davez89 @ Nov 18 2015, 08:34 AM) Wow.. glad to hear.. will go and try later and see if it can be done just by asb hehe.. btw thanks ya Can always offer to top up via FD as goodwill for them to proceed your paperworks faster. Guess that should not be an issue since you have 150 in your ASB already  Cheers and good luck.
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chiahau
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Nov 18 2015, 01:32 PM
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QUOTE(Human Nature @ Nov 18 2015, 01:28 PM) that's interesting because for FD, they need it to be opened at their bank. FD need to be placed in their vault  You need to go to a physical branch for FD pledge. But if you are using ASB, they consider it as income and no such fuss required.
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chiahau
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Nov 18 2015, 02:20 PM
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QUOTE(Human Nature @ Nov 18 2015, 01:33 PM) how nice if FD is also allowed to be like that. Just place one large sum and call it master cert. Bring to all the banks for their cards  wishful thinking If you are their Private Banking customer, you can call the bank and ask them to arrange for you  You don't need to do anything except to sign on the line and wait for the manager to call you.
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chiahau
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Nov 19 2015, 11:58 AM
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QUOTE(13aby @ Nov 19 2015, 10:50 AM) Can use EA form to apply credit card for income proof? lets say my EA form is 40k but my monthly payslip does not show >3000 cox of commision I think they don't consider EA form as reliable as payslip or EPF contribution.
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chiahau
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Nov 19 2015, 12:24 PM
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QUOTE(rapple @ Nov 19 2015, 12:20 PM) EA form and payslip is both issued by your h/r. why ea form is not reliable? And even when you do tax filing, EA form is needed. No idea. Bank told me that before. And logically, since he said it is commission, won't that be a part of his income, thus, in his payslip? Unless it's some of payment which is not recognized by the company?
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chiahau
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Nov 23 2015, 01:34 PM
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QUOTE(13aby @ Nov 23 2015, 01:12 PM) Thx for the info . i trying to apply for my third card . Due to my payslip only show 3000 or below . Mayb i need show them 12 months slip haha to proof my income is more thn 36000 / annum Why your payslip show 3,000 and below if you are getting 3,000+ after commission?
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